BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my phone at the mall on XX/XX/2022 around around 5 something ish, I had my phone in the fitting room at XXXX since thats the last place I saw it at. My last purchase was from XXXX at XXXX. Anyways as I was checking out, I dont think the lady at the cashier gave me back my debit card since I couldnt find it when I was XXXX talking to the bank. My XXXX XXXX and my XXXX was still connected when I was walking out XXXX when I got a notification from cash app saying you tried to add {$1000.00} but was decline. I pause for a min and said what. So at the moment Im looking in my person and shopping bag for my phone and at that moment I realize I lost my phone. The phone that I lost is a XXXX XXXX XXXX redXXXX I stored all my pins and passwords in my notes because sometimes I forget my log in information. So the person try to add {$1000.00} again and I guess my bank decline it. So they kept trying until my bank was able to let them added money. So they tried for XXXX $ and another XXXX $ and I knew at that moment there was no way to turn off my card because I didnt have a phone to call them. So I immediately rush to the car to charge my phone well my sister phone and made the call to my bank and told and explain to them what happen. They told me to file a police report and I did just that. I showed the officer the person who sent themselves money using my card and they said it was a fraud and not a real person. So chime my bank couldnt do anything until my transaction are not pending anymore. Finally Monday came by I called them up and told them to start the dispute and they told me they did and wait to hear back from the dispute team. The next day I check my phone they close my case because they said I dont have enough evidence to show it wasnt me. When I have a police report and the whole person name and everything who sent money and Im kind of upset because they didnt even look though my case fully just automatic say nothing wrong and close case. A normal bank would say we get back to you with 3-5 days not a day would take. This bank doesnt protect anyones money. Any bank well lock someone card if the money or anything is over the limit. So Im want to file a complaint against this bank and take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-06-03
Company: National Auto Lenders, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After submitting a good will letter 3 months ago along with calling the company, emailing and faxing documentation to remove late payments for my auto loan due to Hurricane Harvey and being without employment for 5 months, this company still will not help with my account by removing any of the late payments from my credit report with all 3 credit bureaus :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX I spoke with a capital one cc supervisor after the initial csr couldnt assist. The company took the full amount of bill which I submitted on the XXXX. Then told me it would be 8 days before the funds were accessible to me. 

I told her its not right that every other payment Ive made usually the minimum or a little more was available within 24 to 48 hours. I told her that was unacceptable and I wanted to speak with her supervisor. 

She said she was the last front and there was nothing she could do. I asked when my Acct was opened. She responded XXXX. I told her to close it and hung up after a couple of not so nice words.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX  XXXX, XXXX XXXX, nor Citibank, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor Citibank will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. 

Thank you for your help.

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 2019-07-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We found 4 charges from XXXX over a 4 month period where someone used my credit card numbers to obtain PrePaid cards and then used them to ___? Pay their own payments? Or? 

I went to XXXX and filed a lengthy claim. They say they do not have the authority to check who, where, how, anything about theses transactions. Were they in-store, card captured transactions? Were they online or? WE were told it had to be taken up with my financial institution and my institution working with them. 

I've been inside my local branch 10-15 times filing reports, submitting papers, etc. and have received 3 form notices telling me that my request has been denied. They indicated that since I had my actual XXXX cell phone account on autopay or ACH, $ 100- {$100.00} every single month on the same day, then these extra charges are my charges too. XXXX XXXX! On two separate trips, one month apart, my branch employee called and discussed the fact that I'm a 17 year customer, XXXX years old and I don't file bogus claims. That employee, XXXX, then twice requested their documentation as indicated on the bottom of each denial. My bank refuses to give me ANY documentation about their investigation about MY account and MY losses as required. 

We checked back with XXXX in XXXX and XXXX informed us they had not been contacted by anyone from Suntrust about this stolen money. 

Why is the bank that's held my Business and Personal accounts for 17 years refuse to cooperate with me in the slightest bit? Forget the outright fraud, how do you treat a valid customer like this? 

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 monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: AL
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:
COMPANIES VIOLATING RIGHTS AFFORDED TO ME VIA : 15 USC 1681 ( PRIVACY ) 15 USC 1681 604A ( WRITTEN CONSENT ) 15 USC 1666B ( PAYMENT HISTORY ) XXXX XXXX XXXX XXXX ( REPORTED NAME ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX ( GEORGIA )

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 2020-04-08
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 my bank fraud department called to see if I authorized a withdraw for {$200.00} from Cash App, I told them no. I immediately logged into my banking institution and noticed that there was a withdraw of {$230.00} on the same date prior to the fraud department calling. Cash app also tried to withdraw XXXX smaller amounts but my bank stopped them. I went to my financial institution on XXXX XXXX to file and dispute the {$230.00} that was stolen from my account and get a new bank card. They told me it would take 7 to 10 days to get it resolved through the fraud/dispute procedure. 
Today, XX/XX/2020 I received a credit card in the mail from CASH APP!!!! I NEVER, repeat NEVER opened or authorized a new account with this company. I have never heard of them until today and as of today I am still out of the {$230.00} that was stolen from this company. So far my bank hasn't disputed the charge. 
I am so mad because I don't know who opened this account in my name. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone in my home stole my debit card and used it for ATM withdrawals and in store purchases between XX/XX/XXXX and XX/XX/2022. I filed a claim and they refunded the in store purchases, but they denied my claim for the ATM withdrawals. 

They say it was because my PIN was used and obviously whomever took my card had my PIN. I told them at the time I was not the one who did the transactions. They stated a police report was not necessary to file my claim but then they denied my claim for the ATM withdrawals and are now requiring a police report which I did file. The wait for a copy of a police report is 6-8 weeks which will take me outside my 60 days to dispute the charges. 

I dont see how they can refund my in store purchases which also had a PIN used but deny the ATM transactions in which my PIN was used as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  and Transunion are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX XXXX. I didnt have a choice as this was a dire situation. Anytime you have a XXXX XXXX emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my 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 explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}

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 2022-10-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-20
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
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 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: T.S. Holdings
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The account is listed on my credit report by the company XXXX XXXX XXXX - XXXX. 

They keep reporting this debt saying that I incurred this debt while living at the following address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I have never lived at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX # XXXX {$3500.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written permission, consent, or instructions. 

I have sent several certified letters to this company notifying them of a fraudulent account. A contract with my signature has not been provided. A contract with an electronic signature was provided. The bank credited my account for these fraudulent charges. I even submitted documentation that showed that a fraudulent bank account was opened in my name and that thieves were transferring money out of my account. These thieves lived in California. This company failed to do a thorough and complete investigation and disclose documents to me from that investigation.

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 2022-05-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion customer service would not help and take care of the hard inquiries reporting to your credit report.I am a victim of their inquiry issue I spoke with transunion customer service on XXXX said to call back they would research XXXX no record of research being done call back XXXX no record of research, asked which hard inquiries I needed removed I listed them, advised wasnt part of the hard inquiry issue Filing complaint with CFPB Here is a list of hard inquiries that are not attached to any account and I havent signed for 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 XXXXXXXX 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 2022-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance {$11000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$11000.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX  Account number XXXXXXXX XXXX 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$450.00} written off. 

Show more Account name XXXX XXXX Account number XXXX XXXX 
Recent balance {$100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/XXXX. 

Show more Account name XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$19000.00} written off. 

Show more Account name XXXX XXXX Account number XXXX XXXX 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$180.00} written off.

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