BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX  I received my tax refund from the IRS. I transferred {$500.00} twice through XXXX XXXX, a third party, & deposited it to my Chime account ( due to transferring funds, amount changed ). The next day Chime sent an email saying they put my account on hold for unusual activities & stated I needed to show proof of funds, identification, proof of source of funds showing Im the intended recipient and my government issued ID. I have sent in at least 10 different documents supporting my claim that this unusual activity was not fraud. They still never sent out my refund check, never re-opened my account, NOTHING! They said they would send out a closure check within 3-5 business days, I have waited at least 3-4 months & never received it. I lost my job because CHIME held my funds after I provided them all the documents they requested. I couldnt XXXX to work or get my truck fixed because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed up for Experian Boost on XX/XX/XXXX and have since disconnected the service. I have also tried to unsubscribe from their marketing emails- and there is no way to unsubscribe. This is the message at the bottom of the email instead of an unsubscribe option : " Why am I receiving this email? This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. 

This particular email that I just cut & pasted the message above from was asking me for a review. I've also received credit card offers and other emails begging me to add onto their services ( such as a dark web scan ) - when all I want is for these emails to stop. Its WRONG for them to be able to send marketing emails anyway - after labeling them 'status of your account ', when that isn't true. We should be able to unsubscribe from ALL of their communications, especially marketing stuff like this.

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 2021-02-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received a letter from Wells Fargo Bank on XX/XX/XXXX stating Wells Fargo Bank closed my checking account due to a previous account I had with Wells Fargo Bank and excessive claims for fraudulent activity on the checking account. The Wells Fargo Bank checking account ending in XXXX was discharged under XXXX XXXX XXXX in the United States District Court District of Minnesota XXXX Court on XX/XX/XXXX. Wells Fargo Bank wrote in the letter that sent to me, that the checking account was not discharged in XXXX court, even though the checking account was included in my XXXX XXXX XXXX petition and was discharged under XXXX XXXX XXXX. I am sending a copy of my XXXX discharged notice to Wells Fargo Bank Corporate Office for proof that the checking account was discharged in XXXX  court. Wells Fargo Bank clearly is discriminating against me based on my race, me being XXXX American, and denying me an opportunity to obtain credit and open up a checking account with the bank which is a complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )

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 2023-10-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to IC Systems in the amount of {$400.00} as a settlement for a XXXX XXXX account. I was informed once this payment was made this would be removed from my credit report. This account is still reporting now with a XXXX  balance however it was suppose to be deleted. The company is now refusing to delete the collections account from my credit which continues to have a negative impact.

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 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I've been charged with late fees, return fees, when I always paid punctually. I've been charged for homeowner 's insurance when I always paid my homeowner 's insurance separately and provided proof. I've made numerous attempts to resolve this charge and sent certified mail with proof of coverage. I've requested accounting ledger and found several misapplied mortgage payments which created late fees when I complained about it, they sent a {$20.00} check which I did not cash because it doesn't satisfy the fees added and their response was that it would mess up accounting and tax paperwork for every year. I also tried numerous times to seek assistance with my arm loan where my rate fluctuates every 6 months and explanation of why my interest rate would be higher than market rates when rates were low but high when it was high and although I've read my loan and verified, I have a no lower than 6.49 % rate I have sought assistance and getting fixed rate I have excellent credit and on fixed income but never defaulted on my loan nor my taxes but yet I was always instructed to refinance my loan and then get denied or do not qualify. I've been ignored I've been discriminated against due to my hearing loss from XXXX. They don't care to truly assist me.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 2022-10-13
Company: Experian Information Solutions 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 have accounts that are identity fraud that are reporting to my credit profile. Please refer to attachment for further information.

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 2021-04-06
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:
Equifax is currently Intentionally reporting false Late payment history information for Account number XXXX XXXX XXXX / ( 30 days late XX/XX/XXXX ) I reviewed the latest credit report XX/XX/XXXX. 

On XXXX XXXX I sent certified letter number XXXX to Equifax. ( See attached ) On the date of the initial notification I requested that the account be updated to Paid in full As agreed Never Late. Equifax has refused to update the inaccurate information to date. See Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Bank of America. I have a savings account and a checking account that were affected. I had two unauthorized withdrawals from my checking account. one totaling XXXX dollars and the other totaling XXXX dollars as well. both withdrawals were done on XX/XX/23. My first checking account is now negative XXXX dollars. BofA can't explain why this is. Then i had an unauthorized withdrawal from my savings account. 
In the amount of XXXX They said they shut it down so the only credits and not debits could happen to my savings. this happen on XX/XX/23. So I filed a claim on this as well. 
I saw a credit for XXXX go into my savings account then a debit for the same amount. that happned on XX/XX/23 I included it on my claim. they cant explain how this happened. I filed a affidavit of claimant for unauthorized remotely created checks. I called today XX/XX/23 and still no explanation of what's happening to my accounts and I was told I might need more paperwork.

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 2021-07-05
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Citibank in XX/XX/2021. 

I used the account to make and receive transfers, as well as deposits for online gaming, which I do regularly. The deposits to online casinos gaming websites in New Jersey are all legal and regulated by the New Jersey Division of Gaming Enforcement. 

After a few months, I tried to use the account as normal but noticed that Citibank had locked access and frozen my funds. I contacted them on XX/XX/XXXX and they would not give me a reason for the blocks but that an investigation was underway and the account was being processed for closure. 

They told me I would receive a letter detailing the closure in the next 15 days. No letter arrived, so on XX/XX/XXXX, I contacted them again to be told the letter will now arrive in 30-60 days. Again the letter never arrived. 

After contacting them again a few times they would not provide any information about what was happening. Eventually, on XX/XX/XXXX, they informed me that there were no longer any funds in my account and that I'd receive my money via a check in the mail. I did not receive a check for the balance. 

Every time I call I get bounced around different departments and need to explain myself over and over and no one ever gives me any information. 

Eventually I went into my local branch. I was told that there was suspected fraud on my account, and that you are withholding my money. The only way I can get my money back is to contact the casino that the withdrawal came from. 

I have checked my casino account and no money has been returned to the account and I don't know where the money has gone. 

They have now repeatedly told me I am not going to get my money back and have provided absolutely no reason. 

The balance of the account was {$2100.00}

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 2022-09-06
Company: Experian Information Solutions Inc.
State: MS
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 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. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS! 

DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}

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 2022-10-13
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX - Called loan servicer Mohela to request a refund on about 2 separate payments totaling {$2300.00} in student loan payments made since XXXX of XXXX. Was told that refunds would be given out within 30 business days max. 

Have tried calling on multiple occasions, have either been told by automated system that it would be a multiple hour wait or call would just end on occasion before hearing from automated system. 

XX/XX/XXXX - Able to finally connect to a representative, now told that refunds could take up to 90 days despite hearing that others who made refund requests of payments with higher amounts on dates later than XX/XX/XXXX having already received their refunds. Mohela seems to have no clear process or clear communication on where my request is at along the process. 

Understand they are tremendously understaffed and these workers are likely being told to recite same script to each caller but I have made financial decisions based around the fact I would receive this refund by the end of XXXX at the absolute latest. It is extremely worrysome and disappointing to be having this experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Number XXXX XXXX, XXXX XXXX AND XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX In correct Employers : XXXX XXXX, XXXX XXXX XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect Names : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX has violated my rights. 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

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: WELLS FARGO & COMPANY
State: CA
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 was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed I had a charge on my Wells Fargo credit card for {$780.00} from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' that was charged on XX/XX/XXXX and since I did not use my card at all while I was in XXXX I go ahead and submit a claim online ( this was on XX/XX/XXXX ). I hear nothing from them within a week so I call them and the person I talked to tells me that they will ask the merchant for a receipt and if they don't reply within a month I automatically win the dispute ... .a month passes and nothing still, so I call again and this time they tell me they have to forward the matter to fraud team..a week later I get a letter telling me " they determined there was no fraud because the card was in my possession. '' and so I call again and same exact outcome, they open a new case forward it to their fraud team and and they send a second letter with the exact same answer. Another thing to point out is that when the charge was made on XX/XX/XXXX, Wells fargo did Not flag or stop the purchase even though it was such a big amount and it was done in another country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating.

All was Disputed on XX/XX/2021 No was not Taken

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 2019-09-28
Company: Experian Information Solutions 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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