BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2022 I had my direct deposit going to my Chime account. I received my direct deposit as usual. Around the beginning of XXXX I noticed there were around {$600.00} if fraudulent transactions. I immediately contacted Chime, reported those fraudulent transactions. 
I called back over three weeks. Then around XXXX I went to check the status and the fraudulent transactions and a recording I received said my account was close. I tried to contact them but my debit card was inactive so I couldn't get through.I looked every where for a different number. About 2 weeks later I received a letter from Chime stating that I broke one of their policies and sent me. a check for {$0.00}. I could not find another number for chime and they didntt even honor those fraudulent transactions. I think Chime is a scam network.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: ENCORE CAPITAL GROUP 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:
MIDLAND CREDIT MANAGEMEN Account number XXXX This account is not mine. its been removed a few rimes and keeps coming back to my credit report. I need it removed please it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Navient Solutions, LLC.
State: CA
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 with product or service terms changing

Complaint:
I have 9 Federal student loans with Navient that were once serviced by the department of education. These loans were sold, without my consent to Navient who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

15USC 1681 ( a ) ( 4 ) rights to privacy and 15 USC 1681 ( a ) ( e ) shall not include factual info.

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 2022-01-25
Company: Foris DAX, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transfer money in the amount of {$120000.00} USD to Crypto.com. My identity was stolen, my crypto.com account was hacked and my money converted and transfer to another company or platform called XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: ID Analytics, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. 

The Company is reporting inaccurate information on The Consumers, consumer report. Listed is the inaccurate information to be deleted : SECTION 2 : STANDARDIZED INFORMATION TO GENERATE THIS REPORT : Address : XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Phone : Date of Birth : XXXX SECTION 3 : OTHER REPORTED PERSONAL INFORMATION : Date of Birth XXXX XXXX Social Security Number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers XXXX XXXX Email XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new credit.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX. I was denied by XXXX XXXX for Cash Rewards XXXX XXXX XXXX. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed and rhe amount to get the car back included {$2100.00} in just late fees. When asked about that amount Wells Fargo sent a report that showed late fees on every payment since 2017. ( Report attached ). The late fees were never once discussed or discovered until the repossession.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Accounts below, have violated my rights 15 U.S.C.1681section 602 A States I have the right to privacy Accounts ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not open an account without my written instructions 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ( ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft 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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.

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 2023-10-31
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX I received an escrow analysis for my city property tax. The numbers do not match what the city is providing me. I called Mr.cooper and they had told me they do not have my homestead exemption on file and they would need proof. On XX/XX/XXXX I sent them the information for my XXXX property tax from the city. I called them back on XX/XX/XXXX to confirm they had received my emails with the information. I was informed that they are going with their numbers and not what the city is stating. I requested they send me something in writing explaining this, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited {$50000.00} on XX/XX/XXXX for a Citi Priority Account. Citi was offering a bonus on their website that if I deposited this money and maintained the funds for 60 days, I would receive a {$700.00} bonus. 

I have not received my bonus despite meeting the requirement stipulated when I signed up. 

I have chatted with Citi reps many times and even was confined that the bonus was coming by XX/XX/XXXX. When this date came and went and I did not receive my bonus, I filed a claim. Citi is now claiming that the promo code I used when signing up was not associated with my account. I did not use or need to use a promo code to open my account for this offer. It was not a targeted promotion. Seeing discussions online, it seems others are having the same problem. 

I would like to be credited the {$700.00} I am owed. 

Statement from Citi rep on XX/XX/XXXX confirming I was to receive the bonus : " To receive the promotional offer reward, " 1. You should deposit the funds within 20days of the account opening with " New to Citibank Funds '', which I can see that you have done successfully by XX/XX/XXXX XXXX. You need to maintain the required amount for 60 days from the XXXX day of account opening which is until XX/XX/XXXX ( Approx. ) After the 60 days period is over, you will receive the reward within 90 days which is on or before XX/XX/XXXX ( approx. ) New-to-Citibank Funds are 1 ) funds deposited from external accounts or payees other than Citibank , N.A . 
and 2 ) must be deposited using domestic ACH transfer, Direct Deposit, checks drawn on banks other than Citibank , N.A . or wire transfer. 
Cash deposits, Citi Global Transfers, international ACH transfers, and person-to-person transfer services such as XXXX XXXX  XXXX, XXXX, and XXXX XXXX do not qualify as New-to-Citibank Funds.

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 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid 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:
I have had a Bank of America Visa Card for well over 20 years. And, I am writing out of simple frustration. 
A fraud was committed early last month and I am missing {$1700.00}. In three separate phone calls ( XXXX, XX/XX/XXXX, and XXXX ), I have been promised a refund of {$1700.00} into my bank account. I was also assured that I am not responsible and would receive a refund. As of today, this money has not appeared. I have abbreviated the situation below : XX/XX/XXXX I paid the amount of {$1700.00} to my credit card, online, and the funds were withdrawn from my XXXX XXXX XXXX XXXX Checking Account. 

XX/XX/XXXX This amount was refunded to my card as a Return Payment. This action was not initiated my me, nor by my spouse who has access to the card. I was eventually told, in my series of phone calls, that someone had impersonated me by calling Bank of America. He/she requested the payment be stopped and the fund returned to his/her bank. It was revealed that the checking account # where the funds were sent was NOT mine. Therefore, I am missing {$1700.00} due to fraud. 

XX/XX/XXXX AND XX/XX/XXXX - Met with XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX twice. He was very sympathetic telling us we should be getting the money refunded. He attempted to resolve it twice by calling various B of A numbers, he ended up being frustrated and hung up on them. I have emailed him three times within the last 3 weeks and have received no response. 

XX/XX/XXXX - I received a letter from Bank of America stating that the case was now closed! Nothing is closed. I am still missing {$1700.00}! 

When I called on XXXX about the situation, I was assured that I would receive the funds back very quickly as it was fraud. 

When I called on XX/XX/XXXX, I was assured that the funds would be received by XXXX. In this conversation, it was agreed that my card should be replaced, which is was. 

When I called, XXXX, I was told it could take up to 60 days, as Bank of America needed to get the money back from the person who committed the fraud. 

I am completely annoyed and frustrated that I am out {$1700.00} and particularly because I have consistently been lied to about when the funds would be returned to me. Why am I having to go without my money when the fraud had nothing to do with me whatsoever? I paid my account on XX/XX/XXXX ( like I regularly do every two weeks ) and the {$1700.00} disappeared! 

Finally, I have received no updates or responses from Bank of America that this case is being worked on nor of the real status of when my {$1700.00} might be refunded.

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 2023-07-11
Company: EQUIFAX, INC.
State: NJ
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 XXXX, my discovery revealed XXXX, XXXX XXXX, Equifax, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of 2022, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've sent in numerous disputes regarding these fraudulent accounts and requested the bureaus to send in information related to their verification and have yet to receive anything showing how they are verifying these fraudulent accounts. I've sent in a Police report for identity theft, a notarized affidavit and they still won't even block the fraudulent accounts. This has been going on for months and I'm sure they are in violation.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
Someone used my identity to inquire XXXX different times using my credit for XXXX cars and XXXX apartment. Fortunately I was not approved for the XXXX different cars these perps tried to inquire about in my name. The XXXX company is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry I personally called every company to dispute the inquiry on my account and to also make them aware of what was occuring on the behalf of their establishment. Beyond tired of being an victim of Identity Theft. It's just tiring

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