BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My banking account with chime was hacked. All my information was changed and my money is gone. The bank reports no record of me. They keep telling me to email them and refuse to assist as I am the owner on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi Someone hacked my Chase Bank Account and did 31 wire transfers. Everytime, I usually do a wire transfer, I get a phone call with a 6 digit code chase provides. The fraudster was able to bypass this and run 31 transactions. Chase never called me to even ask are these activites fraud?? each transaction is 2 days apart. I never do this many transactions. They stole over {$120000.00} and Chase is not giving my money back. 

I called them and it took them over 1 month to have someone help me set up a special log in procedure. No service has been done by Chase. It is over 2 months I have put in this claim and still no money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, I am writing to delete the following information in my file : BANK OF AMERICA XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

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 2023-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : XXXX ; XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally Bank is not providing me with a legible copy of a processed and cleared check for {$2700.00} that was issued by them on my behalf through their bill pay service. The payee claims to have never received the check. The check was sent on XX/XX/XXXX and cleared on XX/XX/XXXX. I have requested a copy of the cleared check with an endorsement and banking information of the bank that cashed/deposited it but they have sent me two copies of a check with none of this information. As I stated before the payee claims to have not received this check. Ive spoken to at least six customer support agents and chatted with at least that many in the last two months and keep getting the run around or told the matter is resolved when it is not. Hoping for some 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 2022-06-21
Company: Experian Information Solutions Inc.
State: MO
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:
Each month I have to call in and dispute the inaccurate information being reported by XXXX XXXX XXXX. They are reporting this account as being open and active and past due over XXXX dollars. This account should be closed and has been closed for over 3 years. I have made numerous calls to have this matter resolved to only have it reappear each month.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: DE
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:
I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies XX/XX/2022 Experian XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE INQURY OR VERIFY ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been contacting Transunion for months trying to get the correct information on my credit and get the inaccuracy off. Transunion has violated so government laws according to the FCRA. I dont know if the agents over the phone are not reading the rights but I have got hung up on multiple times just for asking can you send documents verifying these inquiries. I even asked a lady over the phone for Transunion can she give me documents pertaining the information on my credit report. Blantly she told it couldnt be verified through them. Well thats a violation and anything that cant be verified is subject to removal. Im very respectful when it comes to things like this but my experian has 4 inquiries and Transunion has 53 and they are telling that its just not reporting to the same agency. Like come on Transunion yall have been rude and are not expecting me to exercise my rights when their is an error or even fraud into play. But honestly Im looking at sueing Transunion rather than stress myself out for them to delete 53 inquiries that arent mine. XXXX my credit score is a XXXX and Transunion is a XXXX. I cant get half the stuff I need credit wise because of transunion. So many rights to FCRA have been violated, Ive spent over $ XXXX {$1000.00} just send letters to transunion just for them to say they cant verify the inquiries and that They still arent removing them even if they see they are 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 2022-11-23
Company: EQUIFAX, INC.
State: MI
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 and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to XXXX additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a store Card. Was denied based on a Credit freeze on. The company listed for the credit freeze was " XXXX / XXXX XXXX XXXX XXXX XXXX ''. Upon calling them they didn't have a credit freeze on me. They don't do credit freezes. They looked up the information in their system on me and reported that there was nothing that would cause a creditor to deny me credit. They also had no record of Comenity bank making a credit check. I had unfroze my Credit reports with the three credit bureaus- XXXX, XXXX, & XXXX. Records show that the bank had in fact made a credit inquiry with XXXX on XX/XX/2022. I'm not sure why they fabricated this story about XXXX when obviously my credit was checked with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: PA
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 XXXX accounts have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-19
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account, ever! I'm not familiar with this account. I didn't enter into a contract for this account. Since this account is not mine, I shouldn't be responsible for it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX Opened new account XXXX Can not access to the account ( account blocked ) XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected XXXX Called to Customer Service but hold time longer than 30 min and disconnected I want my fund back and close the account as soon as possible.

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 2022-06-06
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account with Synchrony Bank. I am enrolled in " auto-pay ''. This past XXXX, I tried to change the amount and what happened was the auto-pay got cancelled. I did not know it got cancelled. 

I have been an on time payor. Synchrony has damaged my credit score by marking me with a 30 day LATE. In XXXX, XXXX and XXXX I did not receive a call or email, or mailing saying I was 30 days late. If I did I would have corrected it immediately. 

I spoke to them, 3 times, supervisors ' etc. I disputed the account with them while they investigated it. 

I just received a letter saying they will NOT remove the 30 day late. My credit score has plunged XXXX POINTS today. 

I made a double payment last month once I was the reduction in credit score. I have had problems with Synchrony in the past on another account and find them to be AWFUL and no leniency at all for any reason. 

Please assist me in restoring my good credit rate which was over XXXX. I regret I have to take these measures. I feel I have been grossly " mistreated by this company.

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 2022-08-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never owned this account. About this account, I know nothing. With this account, I never entered into any agreement. Since this is not my account, I shouldn't be held responsible for it.

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 2022-06-06
Company: DISCOVER BANK
State: MI
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:
I have settled this Debt with Discover there is no collection activity on this Account. 
Courts have ruled it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge-off. See, e.g., In re Crosby, 261 BR 470, 474 ( Bankr. Ct. D. Kan. 2001 ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the Discover to enforce its claims against me. 

Discover Bank v. Shimer, 36 Misc. 3d 1214 ( A ), 1, 957 N.Y.S.2d 263, 263 ( N.Y. Dist. Ct. 2012 ) ( holding that it is inequitable to allow Discover to belatedly enforce the alleged debt after it received the tax benefit of the charge-off )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
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:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: FL
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:
Recently, I did an investigation on my credit report which is caused severed XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i requested validation from Eastern Account System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX via certified mail, They did not responded to my request. Eastern accounts is in violation of Fair credit Reporting Act 623-b and violation of the Fair debt collection Practices Act Section 807-80. They have Negligent Enablement of identity Fraud as well as Defamation. As of XX/XX/XXXX this debt continues to be reported negatively on my consumer credit report. I will also be filing a Small claims court case for damages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX is discriminating against me because I am a XXXXXXXX XXXX  XXXX  and not updating my " Payment Status '' on each Credit Report to show the XXXX  Account ending in XXXX was " Paid In Full '' as of XX/XX/2022, after I made the payment to XXXX, XXXX, XXXX XXXX who stated they, in turn, reported it to XXXX XXXX regarding the -XXXX  Account ending in XXXX. 

They are now making the consumer suffer with incorrect and inaccurate information showing on my Credit Reports. The Account was " Paid in Full '' for {$3100.00} which is reflecting on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX CO XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
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: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act. Experian XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed

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