BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Well on XX/XX/XXXX XXXX woke up and seen two transactions taken out of my account that were on authorize that total in the amount of {$810.00} XXXX instantly called Chime to file a dispute, letting them know that I did not authorize this transaction, nor have I ever used this website in which the unauthorized transactions were made. And the transactions were taken out at XXXX in the XXXX, and Ive tried to tell Chime that these transactions were not made by me, and yet they still decide to deny my dispute, and they have denied my rebottle. I am requesting that you guys please help me return my money to my account because it is affecting me daily without my money. Do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was defrauded by a scammer when I transferred money through bank of America 's mobile app & a link to making a XXXX transfer. BOA hasn't addressed it I transferred {$400.00} to a XXXX  user on XX/XX/2019 to purchase their advertised tickets to a XXXX XXXX   final game. Bank of America promotes XXXX on it's mobile app, listing Transfer/XXXX  next to accounts and bill pay options. Yet when I was defrauded using XXXX, bank of America has not refunded the money and has not satisifcatorily attempted to recover the funds from the scam artist 's bank which is apparent XXXX XXXX XXXX. A friend of mine was scammed in a similar way but he has already been reimbursed the XXXX dollars he spent, he received the refund on XX/XX/XXXX. I called bank of America again yesterday and they indicated that on XX/XX/XXXX my claim had been dismissed as " customer being liable. '' However, there is no evidence that they reached out to XXXX XXXX XXXX  at all. I have been a Bank of American customer for XXXX years and they are now promoted the use of XXXX for transferring money but when their customers are ripped off they do not adequately investigate or seem to feel any obligation to their customers. I am very concerned that I will never get my XXXX dollars back, mainly because Bank of America is not protecting their own clients and instead are knowlingly opening their customers up to XXXX scams.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX has violated my rights XXXX 
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 2021-04-20
Company: FC HoldCo LLC
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 have called flagship and have not received a straight answer as to why my account shows 90 days past due. Shows my last payment to be XX/XX/XXXX. I have filed disputes with transunion. I filed a complaint with the BBB and my account was current for a week and then it was reported back to 90 days past due. These past due payments are affecting my credit score. I have been making payments and Im actually payed ahead by about {$200.00} dollars. I continue to file disputes and nothing changes and I dont know why? If you look at the payment history nothing for XXXX is updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: IL
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 A VICTIM OF ID THEFT. I HAVE ENCLOSED A FTC REPORT AND IDENTIFYING INFORMATION TO HAVE THE ITEMS REMOVED FROM MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX : # XXXX, Account XXXX  Account : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Talked to XXXX XXXX/XXXX/XXXX Customer Service XXXX Spent XXXX hours at Branch at XXXX XXXX, XXXX NH XX/XX/XXXX, spoke to XXXX XXXX, Branch XXXX. He wrote the letter attached, and faxed all pertinent information to the mortgage department onXX/XX/XXXX Talked to XXXX, XXXX XXXX XXXX phone # XXXX on XX/XX/XXXXTalked to XXXX, XXXX Consumer XXXX, phone XXXX on XX/XX/XXXX Talked to XXXX XXXX, XXXX, phone XXXX on XX/XX/XXXX and again on XX/XX/XXXX when she conveniently passed the responsibility to XXXX of the XXXX XXXX, who is on vacation. 

I am the personal representative of my mother 's estate. I have a purchase and sales agreement for the sale of her house. The document in question dated XX/XX/XXXXwhich I have attached was paid in full in XX/XX/XXXX when Citizens Bank assigned the loan to XXXX Mortgage and did not discharge the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have made several attempts over the past two years to receive my credit report from Equifax and have been unsuccessful. In addition, when I have applied for credit and Equifax Inc is the furnisher of the information used in making the decision with regard to my credit worthiness, Equifax Inc has reported a score of " 0 '' thereby making it impossible to gain credit causing undue hardship. Equifax Inc in addition has refused to provide me with a copy of my own credit report even though I have provided and forwarded all necessary identification information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: RFNA, LP
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 am so displeased with the way my information was used by Republic Finance. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX  and XXXX, so at this point, you really should be protecting my privacy. This is XXXX to my emotional and XXXX health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo Charged my Account for insurance that was not needed on a XXXX. Policy XXXX & XXXX for XXXX and XXXX. In XXXX Wells Fargo notified me that I did not have insurance. I sent them the information that I did have insurance. I would call them to confirm that they received and they the documents and they would varying explanations such as 1 ) We didn't get it 2 ) Oh we got it but its for the wrong dates 3 ) Oh that was sent to the wrong fax number, that goes to another department let me give you the correct one 4 ) We got it we will make the adjustments. This went on for two years and I felt like I was helpless to do anything. I escalated to a Supervisor over the issue but nothing was ever done. I was at the mercy of an invisible verification system that I was unable to see or confirm for myself. So I was paying inflated premiums for a Policy that I could not see or ever received any documentation of and paying my regular insurance. This is a travesty to charge thousands of Americans INFLATED Insurance rates. 

So now 6 years later Wells Fargo is asking for information that I sent them in XXXX. I do not have that car anymore or remember who my insurance agent was. It was either XXXX, XXXX or XXXX. I should not be responsible for calling insurance companies from 6 years ago and waiting on hold to send them information that I already sent them.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, three unauthorized XXXX transactions totaling {$9800.00} occurred. I reported it to Bank of America within one day. The funds were taken fraudulently without my knowledge or consent. The bank investigated and denied my claim. They said I had to prove the fraud, in violation of the Electronic Funds Transfer Act, Regulation E. I subsequently sent a Demand Letter to the bank manager with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed a complaint about TD bank swindling me out of a sign up bonus. I have tried repeatedly to close my account with them and culminate my business dealings with these crooks so they cant XXXX me again. The teller at the bank assured me she would close my account and I had nothing further to do. Im convinced they are trying to keep my account open until the monthly closing period so that they can not only collect an interest free loan from me using fraud, but now collect fees and come out doubly ahead through fraud. Please put an end to this civil fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company TD BANK USA/TARGET CREDIT , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Kornerstone Credit,  LLC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ok this original account was with Kornerstone Credit they sold it to XXXX XXXX XXXX, who sold it to XXXX XXXX who sold it to XXXX XXXX who then sold it to XXXX XXXX XXXX. I spoke with these companies for almost 2 months trying to get to the bottom of this so i can settle this account, i have been getting the run around. This is one account and XXXX XXXX XXXX and XXXX XXXX XXXX have it on my credit they are trying to charge me twice for one account. When doing my investigation XXXX had me owing {$5000.00}, which was wrong so when i contacted them 2 weeks later they changed it to the right amount, i disputed the amount to transunion. With XXXX XXXX XXXX they removed this account off my credit report and last month now its back on there. All these companies have been giving me the run around and i'm just trying to settle this account. I went as far as reporting XXXX XXXX XXXX to the XXXX, still waiting on a response. I spoke with XXXX today XX/XX/2023 and they gave me this website, I spoke with Representative XXXX. She also see where i disputed these 2 creditors on many occasions. This is one account and the bedroom set was {$1800.00} dollars so i do not know where the {$4500.00} come from. I'm trying to settle this account but I don't have correct information and all these creditors involved are giving me the run around. Can you please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear all, Kindly below assist to remove the below inquiries in my Experian profile, 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 non-monetary relief
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOE/XXXX XXXX {$420.00} XXXX  XXXX {$740.00}

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