BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have used Bank Of America Bill Pay service for years, with almost no problems. However, last Year Their Bill Pay service mailed two checks to my church that were never received. I contacted Bank of America promptly after discovering the issue, and opened cases with them about these missing payments. The bank discovered the checks had been presented " somewhere '' for payment, and both had been honored with no endorsement. Per their requirements, affidavits were sent to the church, where they certified the church had never received these checks. The bank then informed me this issue would be pursued with the " XXXX XXXX XXXX XXXX ''. I have attempted to follow up with the bank multiple times to determine where these cases stand, and I'm told to " be patient since these cases sometimes take up to a year. '' The first check in question was issued in the first week of XX/XX/2022, and the second check in question was issued the first week of XXXX XXXX. I have copies of almost all electronic communications I have had with Bank of America, and have spent several hours in the local office of Bank of America, with no resolution. My latest communications from the bank indicates they are still awaiting followup from the 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 2023-05-28
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 AT APROX. XXXX THERE WAS AN UNAUTHORIZED TRANSFER OF {$1500.00} FROM MY CHIME ACCOUNT TO ANOTHER CHIME ACCOUNT UNDER THE NAME OF XXXX XXXX ( $ XXXX ). I HAVE ATTEMPTED TO DISPUTE THIS TRANSACTION MULTIPLE TIMES AND RECEIVE THE SAME OUTCOME. I'VE PROVIDED ALL PROOF THAT I'VE HAD TO THEM, WHICH INCLUDED THE PHONE NUMBER THE HACKER USED TO CHANGE THE ACCOUNT HOLDER ( MY NUMBER ) TO ( THEIR NUMBER ). 
THEIR REASONS FOR DENYING MY CLAIM IS UNACCEPTABLE ( SEE ATTACHED FILE ) 1. MY DEVICE WASNT LOST OR STOLEN NOR WAS PASSWORD SHARED.

2. YES MY DEVICE WAS USED DURING THAT TIME BECAUSE I RECEIVED A TEXT ABOUT A SECURITY CODE SO I ATTEMPTED TO CHANGE MY PW AND MY NUMBER BACK SO THEY WOULD BE KICKED OUT OF MY ACCOUNT BUT WHILE I WAS DOING THAT THEY WERE ABLE TO TRANSFER THE FUNDS THAT QUICKLY. THEN IMMEDIATELY AFTER I CALLED CHIME TO FILE A DISPUTE.

3. MY DEVICE WAS USED IN THAT TIMEFRAME BECAUSE I WAS TRYING TO COUNTERACT THE THE HACKERS ACTION AT THE SAME TIME THEY WERE MOVING THE MONEY.

4. THERE WAS A FUNDING EVENT BEFOREHAND BECAUSE I WAS HUNGRY AT XXXX, NOT SURE HOW THAT WAS RELEVANT. 
5. I DON'T UNDERSTAND HOW AND WHEN THEY GOT ACCESS TO MY ACCOUNT BUT THEY DID WITH EASE.

I'VE ASKED TO SPEAK WITH THE INVESTIGATORS COVERING MY DISPUTE AND I'M UNABLE TO. SOMETHING SIMPLE AS INVESTIGATING THE ACCOUNT THAT THE MONEY WAS SENT TO WOULD NOT ONLY RESOLVE MY ISSUE BUT MAYBE OTHERS AS WELL BECAUSE I CAN NOT BE THE ONLY VICTIM, IT WAS EXECUTED TOO WELL. IF THAT ISN'T POSSIBLE THEY CAN USE THE LOCATION OF THE DEVICE USED TO MAKE THE TRANSFER AND SEE THAT MY DEVICE LOCATION DIDN'T MATCH THAT. I DO NOT CURRENTLY HAVE THE TIME AND RESOURCES TO SUE, FILE COURT CLAIMS, OR CALL NEWS OUTLETS JUST FOR ME TO BE ABLE TO HAVE MY HARD EARNED MONEY RIGHTFULLY RETURNED. THAT SHOULDN'T EVEN BE NECESSARY. IF THE PAYMENT WAS DRAWN FROM MY SAVINGS OR CHECKING ACCOUNT UNDER FEDERAL LAW I HAVE THE RIGHT TO HAVE THE ERROR RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven 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 inaccurate.

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 2023-03-06
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues 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/2023, but I never received a response from them. The account must be validated to prevent errors in reporting my credit report. 

Please validate the listed accounts : XXXX XXXX XXXX XXXX : {$9100.00}

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 explanation
Consumer complaint received 2022-12-21
Company: Resurgent Capital Services L.P.
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:
there is a company by the name of lvnv funding stating i owe then for account that i never had that was XXXX XXXX amount XXXX lvnv funding XXXX XX/XX/XXXX another account that is fraud XXXX XXXX XX/XX/XXXX amount is XXXX and XXXX adjustment XX/XX/XXXX amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
I called the credit agencies and informed them the accounts attached are not to be reported to my consumer report. I never gave permission.

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 2023-05-28
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a result of mistaken balance billing from " medic one '', I was billed from XXXX of XXXX that which was a result of identity theft.Ive never gotten a notice of a bill of any time until it came upon my credit report in XX/XX/XXXX through an alert from the XXXX credit bureaus notifying me that I had something in collections.I then took note of it and called " professional credit management ( pcm ) '' and they said that I owed them a bill of {$1200.00} due to an ambulance ride.I told them that I've never got into their ambulance in the year of XXXX and requested an itemized breakdown of the bill with my signature signifying that particular bill also proving that it was me with a contractual agreement with my signature " in agreement '' on the itemized bill... and all I received back through my email was a bill with my name on it with a date of XX/XX/XXXX without still no signature of agreement nor anything proving any contractual agreement signifying that I was the actual person they had picked up and put into their ambulance. In result of this, my credit report is damaged and is beyond repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2023 my claim for fraud was finally resolved in my favor with a permanent credit to me in the amount of {$6100.00}. Today is XX/XX/2023 and I STILL HAVENT RECEIVED MY MONEY!!!! I have been waiting a very long time and this is absurd. Please help me. Thank you

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 2023-05-28
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Care credit account was closed in XXXX, I have been back and forth with them as to why. It was not for inactivity nor missed payments but instead for submitting too many payments.

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 2021-10-18
Company: FIRST PRIORITY MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I applied for a mortgage through 1st Priority in XXXX XXXX. When I met with the representative named XXXX I told him I am fee for service XXXX XXXX XXXX  and have been for over 20 years. I told him that sometimes my pay is a little low in XXXX to XXXX until the XXXX  come pouring in. He said it did not matter that they will look at my yearly income. He showed me that I was preapproved for the amount i was needing for this townhouse and locked me into a rate which expired a month ago. He stated 2 months later after I moved into the townhouse that they could not count my XXXX XXXX  because its less than 3 years. I said well why didnt they look at this 2 months prior before I moved again. Im getting up in years and its XXXX  very hard for me to move. He said sorry no loan. So I complained to the manager named XXXX XXXX. He called me well over a month ago and said we are waiting for your income to go up. I said well since the child support was XXXX and you said that was enough then if my income goes up that XXXX in one month I should be good right. He agreed. Now my income went up XXXX a month. I am grossing XXXX a month with no debt and after 1 month of NO communication and assuming I could move forward since my pay went up he told me sorry NO loan only after I pressed to close in a couple weeks. I have paid for bank appraisals, paid XXXX in rent to live here. I want to sue for my loss of money and time and emotional/physical toll of being LIED to and XXXX  around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : 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 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 However XXXX they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the 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 instructions.

15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

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

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 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2022-07-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX , and Experian disputing this Account with XXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to formally lodge a complaint concerning multiple inaccurate address listings and fraudulent inquiries on my credit report, which have caused significant distress and concern. My name is XXXX XXXX, and I have been a responsible and diligent credit user for many years. 

I recently reviewed my credit report from XXXX, XXXX and Transunion Credit Bureaus and discovered several inaccuracies and fraudulent inquiries that require immediate attention. I noticed that my credit report contains multiple addresses that I have never resided at. These inaccuracies not only cast doubt on the reliability of my credit report but also raise concerns about potential identity theft or fraudulent activities. There are several credit inquiries on my report that I did not initiate. These inquiries were made without my consent or knowledge, and they were not related to any legitimate credit applications or transactions I have undertaken. I understand the importance of maintaining an accurate credit report, as it plays a crucial role in my financial well-being. These inaccuracies and fraudulent inquiries not only damage my creditworthiness but also create a sense of vulnerability and insecurity. 

I kindly request that you take immediate action to investigate and rectify these issues on my credit report. I have attached copies of my credit report highlighting the inaccuracies and fraudulent inquiries for your reference. 

I understand the importance of maintaining accurate credit reporting and trust that the 3 credit bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. I believe it is essential to highlight the issues I have encountered about this fraudulent items : 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 2023-05-28
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
SPEEDY CASH loan that was fraudulent XXXX XXXX Adjust XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Here is proof that Equifax is lying to me and the CFPB. I have been sending letters and complaints about fraudulent inquiries on my Equifax credit report and Equifax is responding here and also in letters saying that those fraudulent inquiries are been deleted it. I also sent them an identity theft report and nothing. Here I'm including a letter they send me and also a complaint they responded to say that the inquiries have been deleted, I'm also including a credit report from today 's date XX/XX/2023 from their own website that shows that all those inquiries are not been deleted like they say and still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: FL
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:
Experian says they investigated it but found that one student loan shows a balance. They said they contacted student loan and said the information was correct. So I went online ( student aid.com ) and checked my account on the student loan website. It shows that all student loans have been discharged. Even the ones that Experian is saying is still open.

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 2023-04-17
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can't gain access to my chime accounts. I've attempted to gain access with pictures sent, requests for them to review, requests to update information to gain access to app to withdraw and close out my accounts. At least 30 times. I do not have access to my old phone and emails. I've explained repeatedly of restraining order I've had issued to stalker and therefore had to change my info frequently so I attempted to use an email and phone number I had verified with them and still I can't gain access. I can't even gain access to get my amount numbers to withdraw everything. I've attempted to get them to put a hold on the accounts because the cards are stolen but they will not accept the updated info. Without the acceptance of the info I can't gain access to online chime app and without that you can't do ANYTHING with them. I'm on social security/XXXX. I explained they are withholding government funds and payments and all my income. I can't change my auto deposit b because I don't have my account info I don't have my account info because I can't get into the app and I can't get into the app because they won't accept my updated info I've submitted over 30 times. My income is XXXX  monthly they have the last 3 months. My savings is almost gone. I'm trying to move but I'm afraid that attempting to change anything else will cause further delays. So I can't close or hold my funds, I can't report stolen cards because I can't update anything and I can't hold it stop any spending. They WILL NOT help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, 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:
I received credit monitoring alerts that my credit score was impacted at XXXX, Equifax and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.

Company response to consumer: Closed with explanation