BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a chime bank account on XX/XX/XXXX and had my checks direct deposited to this account the date of my first direct deposit was XX/XX/XXXX. On XX/XX/XXXX I noticed some charges on my account from XXXX XXXX rental that I did not authorize to be made upon looking the first transaction made on my account was on XX/XX/XXXX at that time I called chime and told them that I did not make the transactions and at the time there was 3 transactions that so between XX/XX/XXXX till XX/XX/XXXX There was a total of 3 transactions that I informed chime about and told them that theses charges are unauthorized and I didn't approve any charges by this company so they filed a dispute on my behalf due to this and explained to me what needed to be done to get my money back and I thought that was the end of it. How ever it was not a few days passed as I'm waiting on the dispute to be completed and the funds to be placed back on my account only to be told the investigation discovered no error so I'm checking my app and I see that my account witch should have had a balance of around {$10.00} was actually- {$49.00} and I made no transactions so I'm looking and I see that the same scooter rental company processed several more transaction on my account even after I called on XX/XX/XXXX to report the unauthorized charges there was an additional 15 charges since XXXX that was processed by the same company I reported with chime so I opened a new dispute for all the transactions again only for chime to tell me there's no error they found with these charges I have been on the phone with chime for hrs and hrs at a time trying to fix this and they have done nothing at all to fix this problem I have had to still pay over draft fees each time my check is deposited to them even thought my account should have never been overdrawn in the fist place But because chime never stopped the transactions after I called in on XX/XX/XXXX I'm still being charged I finally was informed that I need a new card witch should have been done when I called in on the XXXX but for whatever reason was not done but my account is again at a - {$40.00} bal and I'm not paying it I have canceled direct deposit due to this issue I have called and called and called chime to figure out how they could fix this issues and to get my money back but they have refused to provide any solution to my problem and they will not replace the money that was not supposed to be withdrawn from my account I have threatened legal action I have asked for supervisors I have done everything I can to work with chime on my account to get this issue resolved and they have done nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/20 I deposited XXXX In a atm in XXXX az. That same day three atm unauthorized transactions were done totaling XXXX than XXXX at a XXXX XXXX then a XXXX XXXX, XXXX and XXXX transactions unauthorized as welll.I had thought I lost my card the day before I figured I left it at home. On Sunday in order to pay my crew I XXXX XXXX XXXX and became overdrawn thats when I knew something happened. I emailed chase bank locked my card and followed up with a phone call. Only to be rejected disrespected and basically put of business from this ordeal. I was always redirected hung up on and that is after waiting on phone for 30 minutes .Ive been put out of business my insurance for my business has canceled Ive defaulted on my loans I was averaging XXXX to XXXX XXXX dollars a month now Ive been negative for weeks cant even cash checks for jobs Im on now.the chase agreement says zero liability for unauthorized transactions I feel I have been mistreated right from the start because of my race I dont know what else to do Im losing a flourishing business and chase bank has done absolutely nothing in regards to my claim they did reimburse the XXXX XXXX transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I was in the XXXX XXXX on a business trip. I hired a driver ( like a taxi ) to take me from the XXXX airport to XXXX XXXX. I agreed to pay {$200.00} for the gas since it is so expense there. When we arrived at the so called gas station, I had my credit card out and an employee stole the card right out of my hands and went into his office. Right away a ran after him and asked for my card back or I will call the police. I do not speak XXXX and he did not speak XXXX. After about 5 mintues he gave my card back. Immiately after receiving my card, I received a smartphone text from Bank of America, asking if DECLINE or ACCEPT a charge of {$3500.00} from a business in the XXXX XXXX I immediately replied DECLINE. Then, I immediately called BofA and they said " Do not worry, you declined it so we will credit/refund the transaction on your account and de-activate your card and send you a new card. They said the employeee must have taken a photo of the card because they continued to try to charge up to {$10000.00} on my account. 

On XX/XX/XXXX   Bank of America put the fraud charge of {$3500.00} back on my CC account. I immediately called BofA and explained what happened and they opened up a fraud case. About 4 weeks later, I received a letter from them stating it was not fraud since there was a transaction of {$200.00}, making me an established recurring customer. However, BofA declined the original transaction of {$200.00}. I paid {$200.00} in cash and requested a receipt and the business said their printer is broken. 

I continued every week to call the BofA Fraud department in XXXX, AZ. asking for an update. Each time I called I had to explain the complete story over and over again. When I asked why aren't their notes from previous calls, the said they do not know. 

I suspect the driver and the business worked together on this fraud scam. Bank of America still has not refunded me the {$3500.00} plus interest they have been charging me. 

It has now been past 90 days and I still do not have a resolution.

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 provided copies of cancelled checks to Trans Union as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested Trans Union remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX Trans Union decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and Trans Union increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX  XXXX XXXX reported additional missed payments and Trans Union continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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 recently received a copy of my credit report and realized that my identity has been stolen. This unpleasant incident has had negative effect on me because I'm currently in the process of buying a new home for my family. I am very upset that this has happened to me and I am urgently asking for your assistance in removing these fraudulent accounts from my credit report. I have included all the required documents for your review. Thank you. Please see attached along with certified letters send to each credit bureau

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 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a dispute into the credit reporting agencies. I have not received a response nor has any of my accounts been tagged as in dispute. I received a letter to verify I sent the disputes. However, my information, including my social security, proof of address and drivers license was attached to each letter. 
The disputes were sent on XX/XX/2023. I have attached the original disputes below as well as the letter I received.

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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of fraud which involves the physical stealing of a victims phone and passcode. With this information, a criminal can access all of the victims financial accounts from their phone, while locking them out of the phone completely. I was a victim of this fraud and it resulted in {$2700.00} of fraudulent transactions occurring across multiple mediums including XXXX, XXXX, ATM withdrawals, and XXXX XXXX transactions on my JPMorgan Chase Bank checking account ( and other accounts, but this complaint is related to Chase only ). These were all completed with my stolen phone and stolen passcode information. Majority of the transactions occurred on XX/XX/2023, and I alerted Chase within hours, which fulfilled my obligations under the EFTA which lawfully limits my liability to {$50.00}. Since XXXX ( it is now XXXX ), I have raised multiple disputes and appeals with Chase attempting to resolve this issue with no progress. They have continually rejected my claims, and are not taking into account the significant evidence I have provided them to demonstrate that the transactions were fraudulent. I have spent hours on the phone over many phone calls to try and resolve this issue. The most recent attempt was on XX/XX/2023 and Chase rejected the claims again. They have used the same grounds for each rejection : that "... you must have authorized these transactions because they were completed with your phone ... '' even though I have explained multiple times over the phone that my phone and passcode were stolen from me. I also wrote Chase a 78-page letter completely explaining the situation and how the theft arose, including details of other financial institutions that were affected ( who have refunded me the disputes ), but they still rejected my claims after reviewing this letter. I have attached the letter but truncated some of the pages to meet the XXXXpage CFPB letter XXXX I deleted the phone records and other less necessary pages to meet XXXX pages ). I suggest you review this letter as it gives a complete picture of what has occurred with all of the relevant information required to make a decision. The first XXXX pages discuss this, with the remainder of the pages are comprised of account statements, police reports, phone records, and evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a Coinbase XXXX  card in the mail today but I never applied or requested one. I don't have any cryptocurrency and didn't even know what Coinbase was. An account must have been created fraudulently in my name. I called the cust. service # on the information provided with the card but the automated system will not connect me with a live agent because the phone # I'm calling from does not match a Coinbase account. I also submitted a support form on their website and received an email advising they can not help me because my email address does not match a Coinbase account. I also submitted a request using XXXX to their XXXX account @ XXXX, but have not received a response. 

I had my wallet stolen a few months ago and placed a fraud alert with the credit bureaus. 
I'm concerned this may be an ID theft attempt. I pulled my credit reports today and did not see any suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of Identity theft. I filed the correct paperwork per the FCRA and sent it to the credit reporting agencies. They have not filed the disputes properly and the items still are on my report. 

I am not getting copies of the verification process required by law/FCRA. 

The agencies are not attaching the paperwork to my reports and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX has sold a closed account XXXX to I.C systems , INC and now they are saying my account is flagged 15USC1681section 602A right to privacy 15USC1681section 604Asection 2 it also states consumer reporting agency can not furnish a account without written instructions 15USC 1681c.a5 states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records or convictions of crimes with atendates the report by more then 7 years 15 USC 1681.-2a1 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 in accurate

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXXXXXX 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 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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX. XXXX, 2022 Good day Sir or Maam hope all is well, The reason for this Is because Ive been having issues with TransUnion they keep reporting back on my credit report a Account that has been Removed by XXXX, due to me Stating that I never knew anything about that account. I spoken to the collection agency and they told me that they werent the ones that report on my credit. I need TransUnion to remove it. Because its fraud I dont recall having a XXXX account.

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 2018-10-17
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2017 I opened an account with XXXX. A few months in the contract i lost my job and wasn't able to continue paying for the service, I call XXXX and notified them that I was moving and that i needed to return the equipment. I cancelled the service and return the equipment and they didn't mention anything about any payments. The account was supposed to be closed. I got a derogatory remark on XXXX   credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-06
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

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 2022-12-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
During the nationally mandated shelter at home policy that then continued in my State of IL I was reported late by my credit card companies. I tried to be proactive and ask for help early on in 2020. However, these companies did not have assistance programs in place yet so they reported me late over and over month after month during the start of the pandemic. I have tried to dispute prior to now based on the HEROES ACT, my perfect pay history before the pandemic and my current pay history status, my proof of having the XXXX  and proof that my state of IL is still under a state of Emergency per our Governor XXXX who has made his own calls. 
I should not be penalized because the companies did not have programs in place yet, the pandemic shutting the world down, caring for family who were affected by XXXX, caring for myself when I contracted XXXX and being in the XXXX and XXXX industries which were some of the hardest hit. It was no ones fault why should anyone be punished?

Company response to consumer: Closed with explanation