BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Credit Systems International, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I realized my Chime physical debt card was missing, so I checked my checking account online and noticed that there was 7 fraudulent out of state transactions in XXXX XXXX and XXXX  ranging from XXXX XXXX totaling {$1200.00} I immediately called Chime to report this and filed a dispute through their fraud department and my debt card was cancelled and Chime told me it would take 90 days to investigate and resolve this issue. The next day I was double checking my account and notice another fraudulent transaction that I missed in the amount of {$14.00} so I called Chime back reported this, they told me this would have to be filed in a separate dispute which they did and told me I would also be contacted regarding this second dispute so on XX/XX/XXXX I received an email from Chime stating that no error had occurred and no funds will be credited to my account, however they did give me credit for the second dispute of {$14.00} which was confusing for me being that both disputes were fraudulent. I was very upset and called chime to get an explanation on how this was declined and not fraudulent, Chime provided me with a document with questions and answers to my original dispute, they suggested I provide them with any supporting documentation to help prove my case that they will open and review my case again. I then filed a report with the XXXX XXXX XXXX and submitted a copy of that report to Chime 3 days after. On XX/XX/XXXX I received email from Chime stating the same rejection letter stating that no error had occurred and that my account will not be credited any funds. I dont know what else to do. Chime has not obviously investigated this matter, I asked them how is it possible that someone out of state can charge {$850.00} on my account and I not be alerted or notified, they have no answers for me, I have never been to XXXX XXXX or XXXX  where this fraud occurred. These are dates and amount of all charges. 

XX/XX/XXXX {$18.00} {$850.00} {$31.00} XX/XX/XXXX {$47.00} {$29.00} {$1.00} XX/XX/XXXX {$230.00} {$14.00} The only charge they credited my account was for XX/XX/XXXX {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: In progress
Consumer complaint received 2021-01-16
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, RP Funding made an insurance payment to my hazard insurance company in error. RP Funding acknowledged the erroneous payment in a letter dated to me on XX/XX/2020. RP Funding indicated that they were waiting for my hazard insurance company to refund the money. The amount RP Funding paid, without my consent or permission via the mortgage agreement to the hazard policy was {$440.00}. RP Funding subsequently went through and attempted to correct their payment and accounting error by making approximately seventeen ( 17 ) different entries into my mortgage account. 

My mortgage documentation will reflect that the only permitted and authorized insurance payment that is being accrued is for flood insurance, not hazard insurance. 

On XX/XX/2020, RP Funding unilaterally and without any notice of Escrow Account review, unilaterally changed the agreed to escrow contribution from my mortgage payment from {$25.00}, to {$38.00}. The net result of this was an unexpected increase in my principal balance, as well as an increase in my interest payments. 

On XX/XX/2020, I received a notice from RP Funding that they were unilaterally increasing my escrow payment by {$41.00} per month to cover their error in paying the hazard insurance. 

RP Funding took MY escrow and made a payment error. It is my expectation that RP Funding replenishes the payment they made in error, {$440.00} from their own funds to restore my escrow balance to where it should be for my upcoming flood insurance policy payment, the ONLY insurance payment agreed to be made by RP Funding in my mortgage documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave XXXX any written consent to report anything on my consumer report, No consent is Identity Theft.

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 2022-04-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was a authorized user on my partners account Goldman Sachs Apple Card, Opened in XX/XX/2021. In XX/XX/2021, I wanted to open my own account, so I closed the authorized user account and I opened my own account. The problem started when my partner and I became co owners for the Apple Card. After we accepted the new APR and combined credit limit, my card disappeared from my mobile device and it said my account was closed. And since then, theres no option to add my card in the wallet app. I cant activate my physical card. Ive been trying to fix this issues since XXXX. Ive called multiple times, Ive chatted multiple times. The last time I spoke with someone it was a manager I believe and they said they were going to look into it but that was about 2 months ago. So I basically have a Apple Card co owner account open that I cant use and have no access to. It shows up on my credit report as a joint account. Goldman Sachs has not fix since XXXX. Its been affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Approximately XX/XX/2023 I applied for a JetBlue Mastercard on a promotion to earn XXXXJetblue points. I applied through Barclays on-line and received an automatic response that they could not immediately approve and additional review was required. Within a week, I received a letter from Barclays indicating that they were unable to approve my application due to one of the following reasons : Our records show that you already have or had the maximum allowable number of products with us. I do not have any Barclays products, according to my cbr I've never had any Barclays products. However, I do have products with XXXX XXXX. I believe that I have been unfairly denied credit with Barclays and the explanation provided seemed was intentionally broad in nature to potential deny consumers credit based on reasons other than credit score or credit history. I do not have any negative marks on my credit, my debt to income ratio is moderate, and my credit score is good. I believe this is a case of potential discrimination and unfair practices. Barclays did not extend an opportunity to obtain additional explanation for the denial and only provided an XXXX XXXX XXXX for questions. The application number is 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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to XXXX XXXX totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted 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
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I notified Experian of reporting my XXXX XXXX account as late when it is in fact not late. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave Experian or XXXX XXXX written insructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused me severe stress and has also caused me to get denied for credit due to abusive and unfair practices. I demanded Experian to report the account as paid or paid as agreed and they have failed to do so and responded by saying the information was " verified ''. Experian is in fact violating my consumer rights as they never got my written consent to furnish my report on my behalf, and transactions between a consumer and a person is not supposed to be included onto consumer 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 2022-09-19
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 2021-01-16
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 I called US Bank per my rights in Regulation E, I filed a dispute for a company that charged money from my account without my permission. 
It seems that the agent placed a stop payment against the merchant without me requesting the stop payment. 
On XX/XX/2020 I was charge an Analysis Service Fee by US Bank ( invalid charge ), I was checking the US Bank website and there is nothing about Analysis Service Fee. 
On XX/XX/2020 I called US Bank Business Depto about the Analysis Service Charge and I spoke with XXXX, he said that when I filed the dispute a stop payment was placed against the merchant and that is the Analysis Service Charge for. 
I never requested the stop payment and I think is against Regulation E to charge for a dispute process even for any fee related with the dispute process. 
This is the second time that this happens to me with US Bank and the agent mentioned that it will continue happening because if a stop payment is placed on my account in the dispute process the Analysis Fee will be charged the next month post the dispute request and then I have to call and deal with all this situation to get refunded for the fee. 
On XX/XX/2020 I requested the refund and the agent said that I have to wait 1 or 2 business days to get the money back, money that US Bank charged incorrectly for my account. 
Now US Bank is moving my money and using it without paying interest and I am sure that there is a lot of clients having this issues as well.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: TN
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 agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX is breaking the law by furnishing inaccurate account. The date opened is wrong. and Date Last Active is wrong. Your company have reinserted same debt from original creditor XXXX. It was deleted by XXXX due to violations and now you have let this agency commit the same action. They have only shown a bill not a contract with a bearing signature. I have attached both credit reports so delete this error.

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 2022-11-25
Company: Credit Karma, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am consistently being sent emails about being pre-approved for credit cards and personal loans. Not a single one has gone through successfully and there has been a huge hit on my credit score which is not mentioned before proceeding with seeing if I can be approved. Then I'm harassed by these third party companies to continue applying for loans and credit cards I'm never going to be approved for. Credit Karma should be ashamed. They are supposed to be helping me improve my scores and providing assistance I am actually pre-approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Conn's, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my identity using it open several accounts including renting a home online thru XXXX XXXX for rent renting furniture from conns

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On the date of XX/XX/XXXX, I had a gathering at my home with adults and children and my personal was left out along with my cell phone. Several people were in and out of a room that I thought was locked and I was informed that some individuals or individual was online using my computer and phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
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:
This is a fraudulent debt that was not originated by me. I feel taken advantage of as this fraudulent account is damaging my credit reputation.

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 2023-09-03
Company: EQUIFAX, INC.
State: TX
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:
i am not liable to this debt with XXXX XXXX i do not have a contract with this collection agency they did not provide me with any original contract as required

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to WELLS FARGO DEALER SVC XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

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