BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, Ive had issues with chime banking institution. ( XXXX XXXX  ) for over a year now I last year in XXXX unfortunately went through and suffered an XXXX scam. XXXX was great I contacted XXXX they emailed me on who I get a hold of sent me all numbers to call for the Federal trade commission and etc the Federal trade commission then help me get my money back well some of my money some of my purchases with this scam was through XXXX and some of them were through regular retail stores where I would purchase an XXXX card over the counter with a cashier. I also had purchase an XXXX cards online through key to benefits card got my money back with them as well they were awesome worked great with the federal trades commission and XXXX. The only place that I did not get my money back with is chime and I have tried over and over and over again to get my money back and every time my dispute is literally settled and literally 24 hours they don't investigate absolutely anything and they always deny your claim always deny it. I literally have every bit of proof of everything I have just stated and yet they still deny my claim to my money I have pictures and receipts to prove with the XXXX gift cards that were purchased in store with the cashier literally the card and the receipt everything matches the times day of the transactions absolutely everything. I was refunded from XXXX to the chime account cuz I paid online for the XXXX XXXX XXXX XXXX so it was through the time card that was paid but it was a card that was connected to XXXX the only money that I had got back from that scam with chime is from that transaction every other transaction they tried to say oh they gave me the money back that one the {$150.00} is the same exact transaction as the one that was refunded through XXXX and it's not as slowly a completely different date different time everything. Like I said all evidence is XXXX XXXX  there like this is even a far XXXX to investigate literally any kind of investigator could literally see it and be like okay all this literally matches up there and not only just that I you know like one the case with the Federal trade commission they literally help me get back my money from XXXXXXXX XXXX to benefits with XXXX all that and it's just chime bank that literally constantly disputes my cases and says that they find no error occurred which makes absolutely no sense. And I once again tried the Federal trade commission they can't really enforce anything so this was one of the recommended places to go for my case I'm really just trying to get this off like I said it's been over a year and I still can't win this case in without a doubt this is definitely winnable for me like I said I had already got refunded from every other place with this scam just really looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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  have 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 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 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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

Please remove these accounts.

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 2019-09-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have accrued $ 500+ dollars in rewards and I would like to close my account. XXXX and Citi will require me to forfeit my rewards to close my account. I would like the interest earned to be disputed to me upon my account closure.

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 2023-06-28
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. 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. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2023-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 RE : Requested wave from Late payment 30days from XXXX XXXX account. 
If you explain the 30 -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically deployed {$34.00} for five months. I immediately contacted the bank and stopped the Debit Card. But there was a passing without knowing that XXXX Payment was paid. I continued to receive a message that I couldn't pay for it in XXXX XXXX, but I thought it was a wrong message. Later, I found out that Debit Card had a XXXX  XXXX payment on a card that was stopped, but I knew that it was already reported to the credit -related company. I admit that I made my mistake, but I am disappointed that the credit score has go down o ver 100 points. I want to make a good credit and I will ask you to exclude the  credit company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: SC
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 the victim of identity theft for over 2 decades. When my wife passed away in 2009 its when I discovered that I had been the victim. I have been working with the 3 major credit bureaus as well as some secondary ones for the whole time I've been aware of my being victimized by identity thieves. Right now experian is breaking the law : section 605B of the FCRA. They are interpreting that law to harm the victims and aid in keeping fraudulent information on credit files.

Inquiries are fraud and they do not obey the law in removing fraudulent inquiries. 4 business days they are to remove the faud and they do not. They are accusing me of lying and saying that I provided material misrepresentations but I tried to tell them that they have to get facts they have to talk to the other party they can't just make that determination on their own because the law does not allow that. That they are arrogantly believing that and harming me in the mean time because I've asked them to call and they have not they have not done any 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 explanation
Consumer complaint received 2023-01-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My name XXXX XXXX XXXX, NY XXXX AMEX Gift card fraud charges on card worth {$500.00} AMEX XXXX # XXXX XXXX XXXX Fraud charges from XXXX on : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$10.00} Total fraud charges {$470.00} XXXX case # opened on XXXX, XXXX at XXXX EST I was given this XXXX case # XXXX I called AMEX Gift card and they closed the card on XX/XX/XXXX. 

XXXX indicated they refunded money to gift card on XX/XX/XXXX. AMEX customer service indicates money has not been refunded by XXXX. 

I sent a registered letter to AMEX on XXXX with this information and they have not responded. AMEX has not even provided the balance on another card. 

On XX/XX/XXXX, AMEX indicates they can't find my card number and it doesn't exist. 

I am being cheated out of {$500.00} and require your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: AR
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 already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: SYNCHRONY FINANCIAL
State: TX
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 contacted XXXX XXXX on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a XXXX statement that just shows late fees. Original credit is Synchrony Bank and amount owed is noted at {$820.00}

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-01-20
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase Bank is intentionally reorganizing the way they post charges to maximize overdraft fees. They posted 1 debit charge dated the XXXX first and then 2 dates the XXXX next, which caused 3 overdraft fees of {$34.00}, when it should have only been 1. On the XXXX when I got gas I checked my account and had approximately {$5.00} on it, so I knew I would have to pay 1 overdraft fee. Yesterday I was notified my account was now Negative {$140.00} due to the 2 extra overdraft fees. The banks should not be allowed to intentionally post debit charges out of order to maximize fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over two months I have been locked out of my accounts online access. I have been lied to about the issue and have been told by a rep that she would call me back personally. No one has made any attempt to resolve this problem. I am forced to call this company and sit for over 45 minutes at a time when I need anything to include making a payment. I have NEVER been late on a payment and this online account lockout is making it problematic to say the least. The wait time to speak to the reps is ridiculous to say least and they will flat out lie to you over the phone. Please help me with this ongoing problem. The company could care less about my account access being locked out to me online.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: DE
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  - Date of Inquiry XX/XX/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 2022-03-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had excellent payment history with Comenity Bank : XXXX ( XXXX XXXX ) Account XXXX for years, until I got sick XXXX XXXX and wasn't able to make a payment on time. 

My husband called the compnay on my behalf and reached an agreement with them on a recorded line, where he put in a promise to pay at a later date and they agreed to record that promise to pay in the account and not issue any late fees or negative reporting to the credit bureau. 

I did call and not only did I pay the amount due, but the entire remaining balance, however negative reporting went into my credit report despite the recorded agreement in place. 

I tried disputing with them directly and received a letter simply denying. They never even went through the trouble of looking up my account. I then submitted a separate dispute through XXXX and still nothing was resolved. They refuse to hold their end of the agreement even though I held mine. 

They should be held accountable for any notifications and promises they make in exchange of payment to customers over the phone on recorded lines. Is simply insulting to dismiss any arrangement or out of our control circumstances like XXXX. 

I would like the negative reporting to the credit bureau to be removed completely from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I requested PEOPLE, S UNITED BANK to lower my 7.25 interest rate. 
During that same month, I was being an incorrect amount. Upon seeing this, I immediately called the bank. I was told that was correct amount. I called numerous times, it was correct. so by XX/XX/XXXX, loan defaulted per PEOPLE.S UNITED BANK. I then was told that, I would have to wait for a XXXX XXXX, who was not there a for a week.This is how the nightmare started. I was able to get a XXXX in XX/XX/XXXX. Which bought my account current, also equity that I had available,. At same time my parents home who are both deceased, their house was also in foreclosure which I was trying to stop. Their house, which was bought in XX/XX/XXXX. That house was already paid off, my mom took a home equity loan on the through the same bank I use. So yes, PEOPLE 'S UNITED BANK took my parents home XXXX and PEOPLE 'S UNITED BANK is currently trying to take mine. the home equity loan my mother got was a predatory loan because in the long run she would not be able to make payments, and this is where my house comes in. The equity in my house could of dealt with the situation. 
So I begin to foreclosure clinics, and was told the only thing I could do was BANKRUPTCY WITH XXXX XXXX. She never told me I had equity in my house. 
This been horrific time for me. The bank took all my equity in legal fees, they offered loan modification that I could never afford the biggest XXXX per month, I have kids and XXXX dogs whom I removed abuse situations. They never allowed me to use equity at all. The bank refuses to talk to me. I was also told by XXXX XXXX no bail outs

Company response to consumer: Closed with explanation