BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a CHIME online banking account, which I have not had problems with until XX/XX/XXXX. On XX/XX/XXXX, I was at home working remotely when I started receiving notifications from the bank about five back to back ATM withdrawals totaling {$740.00}. This all occurred within 2-3 minutes. I have the card in my possession, however, I immediately changed my pin, called the bank then contacted my local police department. The bank closed my debit card and advised me they will open an investigation once the transactions clear. Today, on XX/XX/XXXX, m I received an email from the bank advising me that no error has occurred and therefor the investigation is now closed. After doing some research online, it seems there have been similar scenarios with CHIME, which include money being stolen through ATM withdrawals at XX/XX/XXXX locations. I would appreciate any assistance in getting my money back as this was a big chunk of my paycheck, which was meant for rent and bills. Considering this is also fraud and theft, I am at a loss for words on how the bank just brushed the issue off and closed the matter. Thank You in advance for your time. The way the bank handled this situation makes the whole situation look even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$87.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Prosper Marketplace, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I attempted to find a loan online, was directed to Prosper Loans, filled out the application, gave personal information etc ... received phone call from a XXXX XXXX, he stated he was a loan manager, proceeded to move forward with over the phone info of my own, everything seemed fine ... except for there verification process ... I was told that a XXXX deposit would be made into my checking account ( which it was ), and then minutes later ... this man XXXX XXXX requested me to take out the money via ATM, and then go to a commercial store like XXXX or XXXX and send the money back to him via a wire transfer I am assuming ... .I didnt take or touch the money that was sent into my account... I quickly asked for help with my local branch of my bank and was directed to file a police report after that ... I was told that if I sent these monies back to this loan manager, that this would be part of Prosper 's account verification process ... which I was told by my local bank personnel that NO LENDER WOULD EVER VERIFY AN ACCOUNT LIKE THAT ... .I am filing this report to bring this person to light and hope that the government can track this person down and stop them from making more victims of online theft or fraud... .I have all the emails, text messages, pictures of the proposed loan offer letter, phone numbers of these individuals... they keep calling from different numbers... .and even a recording on the phone of them impersonating a police officer .... ( they actually called while we were filing the police report, the officer at the time found it funny as they were impersonating a coworker of his ) .... I'm hoping this complaint will get to some type of internet or FBI fraud division and bring these guys to justice, as well as to this company Prosper ... .because I dont believe this person is actually an employee of this company...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have had the Bank of America Visa since XXXX. In XXXX, I added my daughter as an authorized signor on the account. We recently agreed that she should be a joint owner, and contacted Bank of America for the necessary paperwork. The paperwork was completed, financial information and signature accepting legal responsibility by my daughter and my signature authorizing her to be added to the account. These were mailed to the Bank of America, XXXX, TX address on XX/XX/XXXX via the USPS. 

On XX/XX/XXXX, she gets a letter congratulating her that her request for being a co-applicant was approved. It was HOWEVER approved for the account of XXXX XXXX XXXX with an account number ending in XXXX. The account number is different that mine, and neither of us know a XXXX XXXX XXXX. 

My daughter asked, multiple times to please look at the paperwork adding her erroneously to the XXXX account, so she could be rightfully added to my account. The supervisor said that the bank did not have access to the paperwork, and to reapply again. 

We have a concern for the following : We sent in an application XX/XX/XXXX to have daughter added as a co-applicant to my account ( referenced above ). 
She received an approval dated XX/XX/XXXX and received a week later but was added as a co-applicant to a XXXX XXXX XXXX account # XXXX rather than my credit card account. 
Despite several calls by daughter and myself, no-one at the bank would even check if the application should have been adding my daughter to my account. They instead closed the XXXX account for fraud. 
Bank of America claimed that they can not access the application for credit ( adding daughter as a co-applicant ) to verify if it were fraud or a mispost. 
There is an application for co-applicant on my account with account numbers, signatures, social security information and financial information that the bank claims they do not have, although within an appropriate timeframe they added daughter to a stranger 's account. 

The credit card account has been open for 23 years, has never been a day late, and profitable for the bank. I hope that you can help us with our issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023 I applied on the First Hawaiian Bank website at about XXXX for their " Pure Checking '' checking account. After filling in the online forms and pressing submit, the next screen said I was declined. 
I called the number on the screen ( XXXX ) and talked with XXXX. I asked him why my application was declined and he could not clearly explain why. I told him I currently had credit locks on all 3 of the major credit bureaus ( XXXX, XXXX, and XXXX ) and he said it wouldn't affect their process to check to see if I can open an account. 
I asked to speak to his supervisor, he said she wasn't available. Her name is XXXX, the manager of FHB Direct, he told me. 
It is XXXX and I haven't gotten a call back from XXXX XXXX 
I received an email from First Hawaiian Bank that said : " Dear XXXX XXXX, Thank you for your interest in opening the following account ( s ) with First Hawaiian Bank : Pure Checking Unfortunately, your application has been declined. 

If you think your application was declined in error, or feel you are receiving this email in error, please contact us at ( XXXX ) XXXX or toll-free at ( XXXX ) XXXX. 

You will need your application ID : XXXX Sincerely, First Hawaiian Bank '' I think XXXX told me incorrect information about the process that his own bank does when a person applies for a bank account. 
I have had adverse letters before for credit card applications, and they all explained the reason ( or at least who to contact to find out why ) I was declined the credit. 
I don't understand why the email from First Hawaiian did not include the reason for the denial. 
Is First Hawaiian Bank in compliance with applicable laws governing disclosure and/or transparency when customers apply for bank accounts? 

Therefore, I would like a written explanation of the reason for my denial. 

All phone calls will be ignored on advice of counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I tried to consolidate through XXXX XXXX  XXXX on XX/XX/2019. They stated that they were connected with the federal government. I asked many questions, but the one question that I asked the most and every time I called was if there were any charge associated with the consolidation. Every time their answer was that they were part of the government and there is never any charges and that any fees will be applied to my current loan. They clearly stated that the {$230.00} that I paid in XXXX, XXXX, & XX/XX/2019 would be applied as a payment toward my current loan. They even told me not to pay anything toward my student loan because that amount of {$690.00} would be applied to the loan once the consolidation was done. When the consolidation was in the final stages, I called great lakes to see why the {$690.00} had not been forwarded to my XXXX XXXX. They told me to wait about 10 more days and it would be sent to XXXX XXXX. After the 10 days I called back because it had not been applied, by this time everything was finalized, this is when great lakes told me that the charge of {$690.00} would not be applied to my current loan and they were keeping it. It is very disheartening that people are so dishonest, especially here in America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I experienced a technical difficulty with linking my new credit card ( Mastercard ) with my existing Victorias Secret Account. When attempting to link the new card to this account, I was asked for identifying information including the card number and the last XXXX digits of my social security number but received an error after submitting this information. The only data regarding my account that I was ever able to view was a XXXX balance that displayed on my home account screen dashboard. 

Because of the difficulty with linking my new card and accessing my true balance information, I was effectively unable to view or make payments on the account. I now understand, from speaking with a support agent, that there is in fact a separate website login for MasterCards that were issued to members. The agent had to manually provide the new address to me, as this was not clearly explained to me anytime before this point. I find this process complicated and cumbersome and believe that I should not be held liable for system inefficiencies leading to my inability to see or pay my balance. 

I would like to request that an AUD be filed to remove the delinquencies that arose from this technical issue. I had hoped to resolve this issue directly with the vendor, but was instructed to submit my request in writing ; again, a cumbersome process for an issue that was not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no records of doing business with the companies I found on my credit report. I have filed a FTC ID theft report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. please delete/remove these account they are not mine. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX NEW YORK XXXX.Please remove any other address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Modification approved XX/XX/XXXX first payment XX/XX/XXXX made 5 payments still showing behind on credit report which is illegal and unapplied payemnts on mortgage WHY? PAYMENTS HAVE BEEN MADE! Final modification paperwork was finished no need to sign anything else if your ERROR!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I mus add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how unaccurate the data-furnished could be! I've also mark with a red X the late payments this company is also reporting that are also unaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i wrote a letter saying that it was not my debt and i was fighting it and never had a XXXX account and never been with who the account was with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has refused to process my request for a letter of deletion of the inaccurate derogatory information of an alleged bankruptcy they sold to Transunion LLC in XX/XX/XXXX. Transunion has violated the FCRA by buying a third party furnisher company called XXXX erroneous reports of inaccurate and negative information to destroy my credit and cause creditors to decline my credit worthiness or discriminate by charging higher interest rates for their products and services. Transunion and XXXX has willfully, negligently, recklessly, and repeatedly failed to perform reasonable investigation within 30 business days as required by FCRA and failed to remove the inaccurate information from the " public record '' section of my Transunion credit report. XXXX has failed to verify my identity but stole my personal data to use it for their deceptive acts. Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is liable to me for willfully and negligently failing to comply with the requirements of 15 U.S.C. 1681i ; 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( b ) .The conduct of XXXX XXXX XXXX was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, actual damages and harm to me that are outlined more fully above and, as a result, XXXX and Transunion is liable to me for the full amount of statutory, actual and punitive damages, along with the attorneys fees and the costs of litigation, as well as such further relief, as may be permitted by law when I file a civil lawsuit. Transunion has not updated their files to remove the inaccurate alleged bankruptcy that has not been verified by an Attorney of a original notarized statement or contract of who can testify under oath that an alleged bankruptcy occurred. XXXX has consistent sent letters in the past few weeks asking for my social security number and identity information so that they may use it against me. They have mistakenly identified me as a Man and emailed me asking me for identity information. I have not given XXXX any authorization to use my personal information. Transunion and XXXX has engaged in unfair debt collection practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Resurgent Cap Srvcs Lp Opened XX/XX/XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XX/XX/XXXX SS XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion are reporting negative information that I never consented to this defamation of Character. Remove these from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief