BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was working on my laptop and smartphone Friday XX/XX/XXXX my mouse on the screen started moving and clicking on my bank app took my phone the dozens of emails and texts what thought was from the bank ended up being a fraud/scammer changing access at XXXX point deleting the app still getting texts emails then it just stopped and it took an hour to gain access to my account when I did everything was changed I had to request new passwords and only to see that my {$2000.00} in a locked savings account was sent thru the app to a person I have never heard of I sent every piece of documentation to the bank they are not returning my money its all I had in the world these people of scammers have still been attempting to charge purchases to my account at large and small amounts they claim they blocked the habitual XXXX but XXXX still getting the alerts I went to the police filed a report then the fbi XXXX XXXX unit and submitted a IC3 report and still the bank will not return the stolen money the attempt charges are still coming between texts and emails its day 6 with no resolution to me I know the girls name on the account that my money was moved to XXXX XXXX and XXXX looks like she has a chime account as well she and whoever else involved locked me out of everything took all the money I had in the world and claim No Error XXXX so mad and upset XXXX a XXXX yr old woman disable paramedic on XXXX I worked a summer job 7 days a week to make money so I wouldnt get evicted I was in court with a lawyer from XXXX till XXXX caught up they dismissed my eviction yesterday XX/XX/XXXX and I had {$2000.00} saved to add to my XXXX check to pay rent the bank is the problem and dont see the problem I thought I was having a XXXX last night my head was pounding and bloody nose as soon as this morning another email trying to get {$290.00} I have no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: FL
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:
This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
According to usc 1681a under exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Consumer meaning individual ( me ) and person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). I would like to have the late transactions removed from my report immediately. Milestone  late payments I would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have four commercial loans with a bank XXXX XXXX, Ca ( apartment buildings ). I am behind on all four loans due to tenants not paying on time due to covid. I am requesting my bank to lower my interest rate, reverse all late fees since XXXX, not to report late payments to the Credit Bureaus, and put all late payments on the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, at XXXX a transfer was made to a unknown user for {$2000.00} from my Chime account. I disputed the transaction because there was several new logins from unknown user with the name of XXXX XXXX. Despite this fact the very next day Chime said my dispute was denied which is the fastest Chime has ever moved. I requested the information that Chime used to determine their decision on the XXXX and reopened my claim but Chime again denied it the next day and never sent me the information used to determine their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: LA
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 XXXX account XXXX Date open XX/XX/XXXX  balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX balance XXXX  both this debt was settled with collections and XXXX Equifax and XXXX will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called immediately to let them know of this issue. I was advised that it would be an hour, up to the next business day to resolve. 

Everyday for the next few days after that I was advised that they are working on it, but still ( even after assigning a " case manager '', the issue has not been resolved. 

My account is not only frozen, but also my account now shows negative + {$1000.00}, as they subtracted the entire {$3000.00} amount from my account. 

Just prior to the account freezing, I had to forward money to another outside account, taking my account to {$1.00}. I have bills to pay. 

I was not only able to demonstrate that the person who wrote the check was sitting right next to me ( whom had his own check to himself, to his chase account was frozen for a day ), but also that he was the same person whom has been sending money to my account on a regular basis. I also advised that it was necessary for them to clear this up because this money went directly to bills in both my Chase account and the other account that I regularly forward to.

I have contacted the caseworker assigned to get updates, but have gotten nothing but standard jargon on the number of days Chase is allowed to respond or fix an issue ( to XX/XX/2023 ). A short time ago he reached out advising that it will take even longer ( to XX/XX/2023 ). 

Meanwhile, my bills are still coming in and I am scrambling to get them taken care of due to this issues with my Chase account. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about as incorrect. The credit records I am complaining is not agreeable to me because as a matter of fact the items on the report are unknown to me and I want all of it to remove on my file because of its inaccurateness. Please remove the following items as they were fraudulent : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-03
Company: EQUIFAX, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. XXXX  dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of item which is UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX we were with Bank of America ( BOA ) and had a modification started. In XXXX we signed documents prepared by BOA to do a CLT mortgage and reduce our mortgage by {$27000.00}, and giving that security instrument to the Secretary of Housing and Urban Development to hold. This modification took from the signing of those documents XX/XX/XXXX until XX/XX/XXXX ( signing on XX/XX/XXXX ) to complete. We signed on those papers ( prepared by BOA ) XX/XX/XXXX, but since it had been 2.5 years since signing the original documents we did not realize that these documents put BOA as the holder of the modification mortgage and the amount was {$27000.00}. There was only one reduction made to our mortgage, otherwise they would have just allowed our mortgage to be reduced by over {$54000.00}! Our initial loan in XXXX was for approximately $ XXXX so that would have cut our mortgage into less than half at that point. 
Fast forward to now, XXXX, and we are in the process of selling our home and buying a new one. All ready to close. The title company notifies us of of liens listed and we find that XXXX XXXX and XXXX XXXX has a lean and BOA has a lean, for the amounts previously listed. We are unable to close because of this, and we should have closed a month ago. I have been in contact with BOA trying to resolve this for a month. The past two weeks I have made daily calls. I have been lied to about documents, being told there was a lien release sent when there wasn't. I was told that they don't have a lien on our home, then they send me a pay off statement for the lien they stated they didn't even hold. They state they have no record of the initial documents signed in XXXX. I have been lied to and shoved to many people within their call center. I am now working with a manager and sent her all of the documents showing that BOA prepared both sets of documents. I'm awaiting those results, but am not confident that a resolution will be come to in a timely fashion. If at all. They are jeopardizing the sale of our home and the purchase of our next home with their inability to fix their massive mistake. I was told by my lender to reach out to CFPB for assistance in 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Capio. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Capio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft for over 4 years. Someone has consistently use my information to fraudulently obtain accounts including bank accounts, loans and cars. The bureau has all of the information pertaining to these incidents, yet the accounts are still on my credit. One account was removed previously and is now being reported again. The person that is using my credit is believed to be a family member. I have sent in updated police reports as well as FTC reports to document these incidents. I want these fraud accounts removed from my credit immediately.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: NY
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 recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX ALLY  XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( 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 2021-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent off a dispute to Exerian over 30 days ago and have gotten no reply. Please help 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 2021-09-06
Company: EQUIFAX, INC.
State: MI
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation