BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: Chime Financial Inc
State: CA
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 Chime. Chime is an online bank and someone was using my chime debit card number to make online purchases ( I DID NOT AUTHORIZED ANY OF THESE TRANSACTIONS ). This person stole {$22000.00} of my money. This person also created a XXXX XXXX account & tried to file my taxes for the 2020 year. They also made account changes to my chime spending account : Added a phone number to my account ( At least twice ), Enabled/Disabled the transactions for my Chime Visa Debit XXXX ( multiple times ), Added and/or removed my debit card number from XXXX XXXX, Added and/or removed my debit card number from XXXX XXXX. My attachments are detailed and list everything that this person or party stole from me. IAW every single POLICY that Chime Bank has they are wrong in denying my Unauthorized transaction claims. Chime is in Breech of their own User Agreement : I did not make any of the Transactions that I dispute. Chime did not even investigate. IAW the Visa Zero policy & with their own user agreement they need to give me my money back. If you read Chime 's reviews on the XXXX you will see they are not treating customers right, and don't investigate claims properly. I have documentation two days after the first fraud purchases was made that I told chime that I believed someone committed fraud. I asked them to cancel my debit card and they did not. I had no access to my account and no way to access it. I needed a cell phone in order to receive an 2-factor Authentication code and I did not have a cell phone. Chime was told this over and over again the only way that I was aware that anything happened was because I received some email notifications : one adding a phone number that wasn't mine, some stating my debit card was declined and some adding or removing my card from XXXX or XXXX XXXX. Chime did nothing to help! These charges was made online I'm not sure of all the places but most were in XXXX and XXXX Chime told me they was going to cancel my debit card and issue a new card number and this was their policy but they did not. I was told this 4 times. I also told chime to cancel my debit card on XXXX XX/XX/2020, they did not! I again asked them on XXXX XX/XX/2020 to cancel my debit card and they did not. Chime failed me like they have failed many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On or about XX/XX/XXXX I called Bank of America to report fraud on my UI debit card. {$120.00} was taken from the ATM. They cancelled the card and forwarded me to a claims department - I waited forever and was disconnected. Tried again and didnt get through. Finally when I had a spare hour ( I have XXXX kids at home for school ) I called back in mid XXXX. The agent asked me a bunch of questions ( he also mentioned this was an issue with others ) The next day I went to get money out. The ATM message was to contact the vendor ( not exact word ) which meant unemployment. I called Bank of America and basically they said it wasnt their doing - it was UI that cancelled my account.

It took me literally a week to get through to UI fraud division. They said my UI account was good standing. That it was BOA that closed my account. They told me to send SS and drivers license to them. They would approve an unlock on my account which would take 5-7 days. This was around XX/XX/XXXX. Finally last week around XX/XX/XXXX my account was unlocked. The only money in the account was the $ which should have been in there when I reported the fraud. 

They owe me over a month in filings. Also they owe me for the fraud {$120.00}. The card wasnt secure with Chip etc. and obviously because others having same issue they need to address this! UI is still depositing $ into the account but the money isnt there!

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 2017-09-17
Company: EQUIFAX, INC.
State: MA
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:
Years ago I was a victim of Identity Fraud. Someone tried to obtain credit cards under my name and social security number. The credit card company realized there was something strange about the request and the cards were never issued to the requester. The police in XXXX Ohio were contacted and checked the address on the application and it was a XXXX XXXX XXXX. I have NEVER lived in Ohio. I have lived at the same address in XXXX XXXX, MA since XXXX 1978. I would appreciate having that fraudulent address removed from my credit history. Thank you ... XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
DISCOVER BANK:XXXX Amount {$200.00} A fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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: Account status incorrect

Complaint:
I know I don't deserve this erroneous information credit bureaus are placing on my credit report. I have always been a responsible payor. I am very disappointed because they did not fix and correct the late payments..CFPB please step up and fix 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.

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 2018-09-21
Company: Experian Information Solutions Inc.
State: TN
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:
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, Experian, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports

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 2020-12-02
Company: Experian Information Solutions Inc.
State: AL
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 SECOND TIME REACHING OUT TO THE BUREAUS. THESE ACCOUNTS ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. " ANY BAD DEBTS FURNISHED ON YOUR REPORT IS RUINING MY REPUTATION AND ITS DEFAMATION OF CHARACTER '' I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.

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 2018-02-03
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am sure we owe no debt but we keep getting a call from XXXX and it was always an automated system caller. It never mentioned who we were and what it tried to reach out to. It always asked us to call back to a XXXX number which totally makes no sense.

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 2018-07-11
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
ON OR ABOUT XX/XX/XXXX I AUTHORIZED ALLIANCE TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX XXXXXXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED ALLIANCE ONE, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY ALLIANCE ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN BY COMMITTING FRAUD ALLIANCE WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE S REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

ALLIANCE DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR MR. XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX  XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our 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 2021-05-21
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:
I have attempted to correct my name and address with all three credit bureaus and they have not corrected my name, former names and current addresses. 

I have informed them all names listed as my former names are incorrect. I have never had or been referred to as any other name than the name noted on my proof of ID. 

I have also informed them on countless occasions to remove the incorrect addresses, as well and they have failed to do so.

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 2022-08-05
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been trying for XXXX days straight to contact a live person at Direct Express. I am a XXXX XXXX who receives her social security XXXX on a Direct Express prepaid card every month. It seems ever since I file complaints with your agency before against Direct Express it's as if they are retaliating against me. Cuz whenever I try to call I have to put in my card number and then I am unable to ever get a human being on the phone they just totally disconnect me. I have a question about why I can't transfer money from my account to my XXXX XXXX card so I can use it to do my laundry with. I do not like using my actual Direct Express debit card to do transactions in public places. So I used to be able to transfer money from Direct Express to my XXXX XXXX card and then use my XXXX XXXX card. Ever since the last time I filed a complaint with Consumer financial protection bureau Direct Express has made it impossible for me to transfer anything they've made it impossible for me to get a human being on the phone and they keep hanging up on me. I'm getting tired of the way that they treat me as a customer. They should not be allowed to retaliate against people who have filed complaints against them before. I have other friends who have been able to get right through to Direct Express but when I call and put in my account information it just cuts me off. To me that's unacceptable I have valid account questions and I can not get anybody on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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 am writing because I never opened account with company listed in identity Theft, and never had a deals with them. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in 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 explanation
Consumer complaint received 2021-08-11
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am still missing last months payment from XXXX i made a {$1300.00} dollar payment and the mortgage company has yet to apply it on my end the bank statement shows they took the money so i want to know where my money went and is this gon na happen every month i make a payment one is gon na get lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Selene Finance LP
State: NH
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:
XXXX XXXX XXXX  was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to Selene Finance LP. Selene Finance LP is reporting the account as delinquent to credit agencies, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Huntington Bank accepted via a photo-deposit transaction two Cashier 's Checks, one for {$22000.00} and one for {$7000.00}. Both were written as " Pay to the Order of : XXXX XXXX XXXX ''. Both checks were endorsed improperly, hand-signed by XXXX XXXX XXXX and then photo-deposited into his personal bank account at Huntington. The money was then withdrawn and stolen from the company. Huntington says the checks were " properly endorsed '' and that they did nothing wrong. My research says that Huntington should never have allowed the checks to be processed without a full and complete endorsement by the Company itself, and they arguably also should not have allowed the clearly-worded commercial-payee checks to be deposited into his personal account. Huntington has  come up with all kinds of excuses for justifying their actions but the situation remains that the endorsement on both Cashier 's Checks was never completed in the name of the payee, which should have caused both checks to be refused for deposit. The XXXX makes this quite clear. For its error, Huntington owes the construction company the {$29000.00} that it never should have let through the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: SCA Collections, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SCA Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX RE : XXXX XXXX XXXX ( {$63.00} ) To Whom It May Concern : This letter is regarding XXXX XXXX XXXX, which you claim I owe {$63.00}. This is a formal letter that your claim is disputed.

By not replying in a timely manner to my initial letter onXX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies. ( 15 U.S.C. 168s-2 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in small claims action against your company.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

I sent SCA a certified letter onXX/XX/XXXX, which was received and signed for onXX/XX/XXXX. They never reported to any consumer reporting agency that this account was in dispute. According to the FCRA & FDCPA, SCA had 30 days to report this dispute and they did not. Therefore, they must remove this item from my credit report 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 explanation