BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime/ XXXX has temporarily closed my account due to verification. I sent all necessary documents they wanted and I keep getting the same email and I tried calling get nowhere. They tell me they will escalate to support team but they send me same email over and over requesting documents that I sent so many times that the link to send more tells me Im maxed out to send more documents. I need help with this bank because my Social Security gets deposited here. Please help me resolve this. I appreciate it. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX of 2022 I contacted Synchrony bank to dispute the opening of a Lowe 's charge card. They do not communicate with me nor does XXXX XXXX respond to phone calls. 
They claim that this is my account. When I asked to show video proof of purchase they decline yet say that I benefited. When I requested to know who has been making payments on this account, I get no response. I have never made a payment to this account it is someone else 's account and that would be who has been making payments. 
They claim to have sent me monthly statements in the last 12 months. They did not have my address or phone number until I called to dispute the account. Please show me historical statements that link to any address I have had. 

Their investigation is pitiful, they have XXXX validation of this account to me, yet they refuse to discuss.

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 2023-01-18
Company: HYUNDAI CAPITAL AMERICA
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:
My XXXX XXXX car was ruled a total loss on XX/XX/XXXX and my insurance reached a settlement to pay Kia Motors Finance XXXX the complete value of my car. The check was issued on the XXXX of XXXX but its still being reported in my statements that I owe the bank which is affecting my credit score and I cant start looking for a car no banks will accept me. I reached out to both XXXX and Kia Motors and no issue has been resolved. I would like to continue to search for a new car but I cant because of the payment anc check not being processed

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-02-06
Company: Risecredit, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account info : RISE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) has violated my rights!

15 U.S.C 1681 section 602A. States I have the right for privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer report agency cant furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Over the summer I had went overseas and had my accountant take over my charges for the time being. When I had come back and went over my financials with my accountant, there were 4 fraudulent transaction and I called Chase to report these these transactions during the middle of XXXX of 2023. The transaction 's were on XX/XX/2023 for {$8200.00}, XX/XX/2023 for {$15000.00}, {$15000.00}, and {$11000.00}. My accountant never notified me of these transactions because he thought they were normal professional services that I had bought. Chase temporarily refunded my account for the time being until they called in XXXX asking for more information which I was more than willing to give. I included flight information and personal information that could help them in their investigation. On XX/XX/2023 they added the charges back to my account with no notification on email or phone call on what happened with the investigation. I have a cleaning company and these charges were for a health and wellness company, according to the person I talked to with Chase. I don't know how those two would relate in any way. I also changed my accounts with Chase so something like this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX Chase Bank for Declining Dispute of Fraudulent Charge ( Case Number : C # XXXX # XXXX ) To Whom It May Concern, I am writing to submit a formal complaint against Chase Bank regarding their handling of a fraudulent charge dispute, referenced by the case number C # XXXX # XXXX. My numerous attempts to resolve this matter directly with Chase Bank have been fruitless, and I seek the assistance of the Consumer Financial Protection Bureau in this regard. 
On XX/XX/2023, I encountered a fraudulent charge scenario while booking accommodation through XXXX. During a search for a villa in XXXX, I was led to a listing by an unknown individual in a group chat. The villa was advertised at approximately {$23.00} per night. Believing this to be a fair price, I proceeded to book the villa for a total of 4 nights. However, upon completing the booking process, I was unexpectedly charged a total of {$490.00}, a stark discrepancy from the initially advertised rate. Alarmed by this significant overcharge, I immediately reached out to Chase Bank to dispute the transaction. A representative from the bank provided reassurance that the matter would be addressed once the transaction moved from pending to posted. However, this promise was unfortunately not fulfilled. 
Upon returning from my trip, I discovered the charge remained unaltered. My continued efforts to engage Chase Bank, including detailed written communications and the provision of supporting evidence, have been met with consistent denials. The bank has unjustly relied on the propertys cancellation policy, neglecting the fraudulent basis of the charge. 
On XX/XX/2023, I received a communication from Chase Bank asserting the legitimacy of the transaction, thereby disregarding its fraudulent nature. This response is not only unsatisfactory but also indicative of a severe lack of client protection and service. 
I emphasize that I did not utilize the services of the villa in question, as substantiated by the attached proof of my communication with them regarding a refund and cancellation. 
Therefore, I respectfully request your intervention in this matter. I am seeking a full refund of the disputed amount of {$490.00}, including any related interest charges. 
I consent to the CFPB sharing this complaint with Chase Bank for their response. 
I appreciate your prompt attention to this matter and look forward to your support in resolving this issue. I am ready to provide any additional documentation required to substantiate my claim. 
Thank you for your consideration. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX begging you please remove this to the credit report

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 2018-12-26
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was notified that my data was breached with experian and was offered a year of free credit monitoring to help me protect my personal information. In XXXX of XXXX, I was notified by Experian that I was being given another free year of monitoring due to the breach but that I needed to renew through an online sign up. I signed up online and was required to provide credit card information to complete the registration. I did not select any paid service but began seeing a {$19.00} charge on my next monthly credit card statement. I cancelled this service, which in and of itself was very challenging and beyond what I would say a reasonable person would expect to go through to cancel and received a cancellation email on XX/XX/XXXX. I continued seeing charges each and every month after that. I signed onto the Experian website today after seeing two charges for {$19.00}, one on XX/XX/XXXX and another on XX/XX/XXXX, both in year current. Again, I navigated my way through an impossibly vague process of cancelling my membership and received another confirmation email dated today, XX/XX/XXXX. I contacted Experian by phone to confirm it was cancelled but the number they provided said they will only take cancellation requests online. I chatted a representative to confirm my paid membership was cancelled and he/she said it was but not until XX/XX/XXXX. I asked the chat agent to refund me the 3x charges that were made to my account and he/she said they can not due to their policies. I asked why I was being charged in XXXX, XXXX, & XXXX when I have an email confirming I cancelled in XXXX of XXXX, the agent would not answer my question and just said they don't do refunds. I informed the agent that what they are doing is engaging in an unfair deceptive act or practice that makes cancelling unreasonably difficult if not impossible when paid membership fees just begin billing for no reason. I told them I would be reporting their unfair deceptive act or practice to the CFPB and asked that the agent also forward it to their internal complaint department.

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 monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 2023-10-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX a letter was sent to XXXX in regards to incorrect reporting of 4 accounts. They were reporting a past due balance on an account that has been closed since XXXX as well as the dates did not match up with the dates on of the accounts and status provided by Experian and XXXX I have not received a response and it is now XX/XX/XXXX I am now requesting they be removed. The last dates of activity, last payment dates and even dates the accounts were closed and were open do not match, I also sent proof and the errors as well along with proof of my identity.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX asking them to validate this alleged debt and they did not respond.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) XXXX Balance : {$690.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX Balance XXXX {$690.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXV ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have XXXX different businesses with bank accounts at Bank of America, for which I also have several credit cards associated. We need the cards to carry out business, especially for our construction company that needs to make large purchases for client projects. We typically have to use one card, then pay it down and switch to another until it becomes available again. Clients pay us back for the purchases we make on their behalf, but sometimes they are delayed or even go into a dispute status and we are left owing money on the accounts. We never received a warning that our credit card accounts might be closed if we weren't able to make a minimum payment right away. Rather, the bank simply closed 4 of our cards and took {$9000.00} from a few of my bank accounts I had with them to make the payments. One of the accounts was my XXXX daughter 's. That was a disgusting action -- especially, without warning us. I asked them today after finding this out if I could do anything to reverse this and simply make the minimum payments and they said " absolutely not. '' I can't believe the bank I have done hundreds of thousands of business with for the last few years would not try to amicably work with me, and they made no effort to restore the money to my daughter 's account. She should not be affected by my businesses and the bank 's lack of notice. The credit lines that I had were a total of almost {$80000.00} that is now not available to me for my businesses to function. I am also hugely impacted on my credit score and have no way to acquire a new card because of this bad history. I had to spend all day and will have to spend several more days trying to figure out how to fix this and not lose our project contracts that are already underway and rely on the cards. In addition, I just took a personal loan of {$20000.00} to cover the minimum payments and to pay my payroll obligation tomorrow ( XXXX ) and they put a hold on the whole check for at least a week, until the XXXX of XXXX. Payroll will be 4 days past due and my employees will threaten to quit if not just be severely impacted by my inability to pay them. I am doing everything I can to meet our obligations, but the bank is acting as if they have no control and no heart. This is cruel and impacts several lives. Please help rectify this by restoring our accounts and helping us access the funds I had to borrow from a family member. They said the check for the loan was already withdrawn from their account by the way. There is no need for a hold. Unbelievable!!

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 monetary relief
Consumer complaint received 2022-11-03
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was not given proper notice under the FDCPA prior to this item being placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute unauthorized inquiries that appear on my credit report. I recently reviewed my credit report and found inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX that I did not authorize. These inquiries were made on [ date of inquiry was XX/XX/ for XXXX XXXX ], [ date of inquiry was XX/XX/ for XXXX XXXX XXXX ], and [ date of inquiry was XX/XX/XXXX XXXX XXXXXXXX XXXX  ]. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute unauthorized or inaccurate information on my credit report. I request that you initiate an investigation into these inquiries and remove them from my credit report if they are found to be unauthorized.

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 2022-10-31
Company: EQUIFAX, INC.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation