BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: Chime Financial Inc
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I lend my chime card to someone i know due to he needed something i gabe him permission to use my card i gave him my pin there was {$13.00} only available.. now upon name " XXXX XXXX XXXX he is a XXXX.. him return my card after he dropped me off to the hotel i was staying at here in XXXX XXXX nevada i notice there was some changes on my card like the 16 digit number was reprinted solid black and the cVv # was different from my records of photo copy that i have and expiration date was changed.. now not on that ive only been around a few people the second day of my arival my phone was hacked/ or maybe traded out with a different phone but the same look alike as mine.. ive been back and forth to the banks i bank with and told me to report this ASAP so now I reached out to all of my banks i associates w my account banks cellphone number and phone has been compromised.. I believe so that my identity has been stolen ... i have no access to anyof my account email or banks.. please some investigate this .... this has gone way to far.. alot has happened alot.. money purchased from my XXXX XXXX  XXXX and chime and XXXX XXXX card transactions history are most likely the same when i did research.. i have a few screen shot.. my card when i call are already link and set up to be declined and auto paste when i log in ... please investigate my phone i have and all my card and orther account.. I believe that XXXX XXXX is not the only one there are more thats part of this ... i will surrender all my cards phone etc thats needed.. i have a few idea of who else is involved ... money has become missing and my banks accounts are closing at this monentXX/XX/2021.. the banks are not disputing some orther changes and im still working on resolving this matter with them.. i have more information documented to share upon request for interview

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: HI
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 filled multiple dispute about a hard inquiry in my credit report. My first dispute was on my XX/XX/23 and send a secondary lettter on XX/XX/23. Its been more than 30 days. The items are still showing on my credit report. This violate my rights under FCRA.

Company response to consumer: In progress
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Looked on my credit report and found inquires that I have no knowledge of. My phone with my banking apps and wallet was lost for some time in early XXXX. Someone returned them in my mailbox a day after so I think these problems are stemming from that situation. I would like to remove the following hard inquires from my transunion report : 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 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 2023-11-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi suddenly closed my checking account, stating that they terminated the banking relationship with me. However, they also blocked my online access to my Citi credit card while I was still an active user. As a result, I have lost access to control of my credit card account. The instructions provided Citi customer service could not resolve this issue- my access is still blocked.

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 2023-07-01
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house loan was sold to Fay Servicing last year and I have been charged each month to the escrow account. The problem is that I have paid all the insurance and property tax myself and the escrow account does nothing literally. I contacted them several times via email and phone to close the escrow account and get refund and they always say that it requires some time. 

The total amount of refund should be {$11000.00} till XX/XX/30 if I did the math correctly. Meanwhile the escrow account is still open so I'm still enforced to pay that extra money. I'm talking with a lawyer about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: HI
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:
Experian has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use Experian and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.

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: EQUIFAX, 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:
In my previous complaint I nsent this : I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 






Now I want you to remove these items : XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
CRA taking longer than 30-45 days to complete dispute. They are not in compliance with the FCRA & FCBA laws.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 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 2023-07-01
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Synchrony, Bank discount tire had Called me for a while reporting that I was past due on my credit card payment. I explained to them with the dispute team that this was not my account I was unfamiliar of this being opened in my name, and my information, and then being used. They said ok thank you and closed it all out. Yesterday I received a letter stating that I received goods or benefited from the account and they re-opened it, stating I still owe them money. I have had several issues with identity theft and continue to struggle with getting my information clear. I called them again today to try and dispute it again letting them know that I did not open a credit card nor did I even apply for a card. I will continue to fight this until it is appropriately resolved. I have a XXXX  XXXX XXXX and nothing close to the vehicle they stated was worked on. This has significantly impacted my credit score.

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I found a deal on hotel from reservations.com for XXXX dollars for XXXX nights. I clicked on the reserve button looked at information it said XXXX plus taxes and fees so I hit the button and it said my room was confirmed but when the email came they charged XXXX dollars XXXX in taxes to my credit card. I cancelled the room right away but they made it a hassle I started dispute with capital one right away. This has been going on months i call capital one they say send this and it work but i always get immediate dispute deny then they close case even this last time they said file it under new thing immediately they denied. I cancelled for overcharge XXXX minutes after reservations.com did that and it was over a month and half early. I paid XXXX for a room that wasn't as good because i was still going on trip. They told me call and ask hotel cancel and if it was ok. I did they said it's fine but reservations.com had to do it. I am not and can't afford pay almost XXXX dollars for nothing but having a room for XXXX minutes month and half early. The hotel now says I'm not in computer meaning they sold the room again this is just crazy it's like they are allowing total fraud and people get ripped off. I need help i have all the information and proof all i can think of is take it small claims court and just not pay the bill. Please help XXXX is a lot of money for me it's a month of XXXX and XXXX hours weeks all for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Bread Financial 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Experian Information Solutions Inc.
State: NJ
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 SENT IN MY ( IDENTITY AFFDAVIT ) LIKE THEY ASK ME TO TO IN XX/XX/2019 I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-07-01
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 reported the fraud within 1 day of the charges. I have submitted proof there was absolutely NO WAY I completed the transactions. I canceled the card and changed all passwords and access codes to prevent future fraud. I reported it to the police who agrees to press legal charges against the people who are responsible and I provided the police report number within the day of the incident. I included the report made to the police and I called and verified all items were turned into chime that I could show indisputable proof the charges were fraud. I called all merchants to report the fraud charges and they ALL SAID CHIME HAD TO ISSUE CHARGE BACK ON THE CHARGES IN ORDER FOR THE MERCHANTS TO CANCEL THE SERVICES I WAS ILLEGALLY CHARGED AND UNTIL CHIME ISSUES A CHARGE BACK THE THEIF HAS CELL PHONE SERVICE THAT I PAID FOR!!!! THAT IS COMPLETELY UNJUST!!! 

CHIME DENIED THE FRAD COMPLAINT AND SAID ALL CHARGES WERE VALID AND AFTER I ONCE AGAIN SHOWED THEM THAT THEY ARE WRONG WITH COMCRETE PROOF THEY SAID IT COULD TAKE UNTIL XX/XX/2023 UNTIL A ANSWER IS GIVEN AND UNTIL MY FUNDS ARE REFUNDED. 

CHIME CLAIMS THAT FOLLOW FDIC RULES AND REGULATION and also advertises they follow visa fraud back program but they are not in my case and I demand they help me and follow the standards and procedures they are governed to follow.!! 

RE : Account Number : XXXX Claim ID : XXXX Fraudulent charges all are from XX/XX/XXXX ; I provided proof I was 100 % unable to make the charges ... XXXX {$13.00} ... {$20.00} ... {$29.00} ... {$33.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I closed my XXXX XXXX account after 10 years and was told over and over by customer service my account was paid in full. I switched to XXXX for a few years then went back to XXXX XXXX due to service coverage for where I am stationed. I opened a new account and then a year and a half later I received a letter saying I owed an amount from XXXX. I emailed the company asking for information to be mailed to me. I have someone at my house accepting my mail while I am out of state for school but there has been nothing sent to me by the company. It appeared on my credit report a few days ago without me being able to dispute it.

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 2022-04-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They are charging me {$110.00}. At the time when my account was closed, I only owed the minimum of {$40.00} on each card. Amex continues to say that I have returned payments when I recently update my bank to American Express. The bank account is called XXXX. 

Moreover, American Express did not give a good explanation as to why my accounts were cancelled. My credit score was the same for the past twenty four years since I had these cards. I made the payments, on time, each month. I am XXXX, I receive social security and I am self employed. I believe that the ceo of this company is XXXX. They also have different types of relief, at American Express, for people who lost their job, who need help making payments, or whose credit is less than perfect. My credit did not not matter. I was never offered these opportunities. In my case, I did not need help making payments, I was admitted to the hospital in XX/XX/2021, and someone had stolen my credit cards ( wallet ) and they stated hacking my phone number and ruining my accounts. I had no problem with my accounts until XX/XX/2021. I would like to reinstate the accounts. 

American Express wanted to close them for discriminatory purposes. I tried opening a new card and I was not approved. There are other card members, with the same credit score and other financial difficulties but he allows them to stay card members. I had the same problem with XXXX card. Is there a different solution for these two cards? It may prevent me from purchasing a home or buying a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by portfolio recovery services in regards to an outstanding credit card debt. After trying to reach a resolution with the company that I felt was fair. They were unwilling to work with me on what I had to offer. 
I then told them that I was placing them on notice, not to contact myself, family members or businesses associated with my person, and to cease and desist all collection efforts on the account. The phone calls had stopped until recently when I received an additional phone call from portfolio recovery services and a collector ( I don't remember their name ) when I told them that they were violating a cease and desist notice they then told me that they had the right to contact me again after 60 days. I know for a fact that that is not true. This company and operations manager XXXX XXXX should be held accountable for the violations that they are committing against everyday consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX XXXXXXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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