BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
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. 

Id notified Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account # XXXX , XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer 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 conviction 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 the information provided is inaccurate.

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.

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 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with bank of America and my debit card was stolen. I reported the card stolen in the summer of 2020 and someone tried to enter a fraudulent check into my account. Bank of America immediately closed my account without investigating an put my name into the checks system. I can now no longer open a bank account with another company until I get this resolved. I have tried to contact the bank multiple times and have not received any help. When the check was entered I immediately didn't have access to my online banking so I could not see what was going on at first. The check was entered at an ATM in the state of Florida and I was in Texas at the time where I reside so I did not understand why I was being punished.

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 2022-06-24
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My bank is ILLEGALLY FURTHER FRUAD in an unethical manner and THEY WILL PAY ME OR I WILL PURSUE LEGAL ACTION! 

My bank closed a dispute with a local company XXXX XXXX XXXX who had illegally and fraudulently refused a refund I was already promised .... I have reported them to the XXXX XXXX of Georgia as well as the local DA of XXXX XXXX since there are many other accusations in reviews for the business of similar fraudulent activity .... AFTER CLOSING THE INVESTIGATION, WITH NO WARNING, NO COMMUNICATION, AND GIVING ME NO TIME TO RESPOND THEY HAVE ILLEGALLY AND FRAUDULENTLY CHARGED ME AND I REFUSE TO PAY THEM. 

I told Citibank rep I had EMAILS AND PICTURES SHOWING I WAS PROMISED A REFUND AFTER TELLING THE BUSINESS I HAD DISPOSED OF FOOD AND TOOK PICTURES OF THE FOOD NOT IN THE TRASH BUT BEING TOTALLY DESTROYED. 

THIS IS HIGHLY ILLEGAL, THIS IS FRAUDULENT AND I REFUSE TO PAY FOR THIS, CITIBANK HAS VIOLATED THEIR OWN TOS AND TAKEN PART IN ILLEGAL FRAUD WHILE SHIRKING THEIR FIDUCIARY DUTY TO ACT IN MY BEST INTEREST AND I WILL NOT STAND FOR THIS. 

XXXX ID 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 2021-11-25
Company: GREAT WESTERN BANCORP, INC.
State: NE
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:
I was charged {$250.00} for smoking at the XXXX XXXX by XXXX XXXX OH XXXX. I don't smoke. My wife doesn't smoke. We didn't smoke at the hotel. When we attempted to resolve the issue with the hotel, they charged me {$300.00} for calling the front desk. Great Western Bank and XXXX refuse to reverse these fraudulent charges. 

Hotel stay was from XX/XX/XXXX to XX/XX/XXXX. Dispute was filed with bank on XX/XX/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 2022-06-06
Company: UMB FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2022, there was a check in the amount of {$100.00} where the funds were transfer into the account.at the same time they processed check. However, XXXX return as NSF and I called to have the check paid. I spoke to the representative where she had difficulty understanding what I needed so I ask for supervisor. She said she could reach out to another department help get it paid or she could transfer to a supervisor. Already frustrated I asked for the supervisor and got XXXX XXXX. XXXX XXXX started the conversation condescending and unprofessional which the representative provided the information. Before I could say anything else, he cut me off so I asked to speak to another supervisor. XXXX XXXX said NO, I can not transfer you to another supervisor and if I wanted another supervisor I would need to call back. So I called back spoke to XXXX XXXX that said he was knew and did not know what to do..he said Im confused. He stated he would transfer me to an associate then placed me on hold. XXXX returned to the phone to say the associate says it would be paid since the funds were transferred. At this point, I wasnt comfortable with the information provided. Once again I asked for a supervisor XXXX XXXX which he said he contacted the back office. I do not believe he contacted any back office because I wasnt on hold for no more than one minute. XXXX representatives and supervisors are trained to get the customers off the phones to insure they meet there metrics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX 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 explanation
Consumer complaint received 2023-08-16
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The IRS deposited funds into my account. Chime suspended my account and made me send the same documents over and over again because they were saying they didnt get them. Their calls reps were misleading and didnt know what they were talking about. I finally was able to get my into my account with the help of a lawyer. Just for them to close my account permanently, say I didnt send the right documents even though I still have all the emails of me sending every document that they requested. They told me I wasnt getting none of the money I have in my saved, checking or credit builder. I would not recommend chime to anyone. I MEAN NO ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, we noticed that our account was frozen, we can not deposit or withdraw money for our business account. We called Chase bank at XXXX XXXX to get an explanation, however they can not provide anything as now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX  XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-06-24
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My XXXXXXXX XXXX XXXXXXXX XXXX XXXX card expired in XX/XX/21. I called the customer service line several times a day for a replacement card over the next week and waited on hold, with no answer for 30 minutes or more. I finally gave up and tried to close the account. Again I had to call customer service with no answer. Ive stopped using the XXXX account and switched to XXXX. Now the IRS has deposited money in the XXXX account and I cant access it. Ive been on hold several times with customer service throughout the day for 30 minutes or more and NO ANSWER!

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 2022-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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 the second capital one credit card to appear under my credit history. I have a freeze on my account too but it keeps appearing. Its not mine and when I go to calm capital one to close it, they cant find an account associated with my social security number. Ive never used capital one. But somehow I keep getting cards opened under my name on my credit report. Also how does a credit card keep being issued under me when I have a credit freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: OH
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 Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-24
Company: Winklevoss Exchange LLC
State: NH
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:
I opened an account with Gemini including a credit card. I moved some bills over to their credit card to use as my new " points '' card. The next day my access to the app was frozen without warning which caused my bills to fail to pay, and without the app I have no way to pay Gemini for what I have already charged on the credit card, either. I have opened multiple support tickets and emailed them multiple times but I just get the same automated emails over and over. It has been a full week with no response. This is going to negatively impact my credit score unless something is done to unfreeze my Gemini app IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to XXXX with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!

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 2022-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Bread Financial Holdings, Inc.
State: LA
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 have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from comenity bank and the Victoria secret store card from comenity bank. I keep disputing with express from comenity bank and Victoria secret from comenity bank, and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling asking to speak to someone I do not know and I have asked them to stop. They repeatedly call my number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was scammed out of {$300.00}. I've reached out to XXXX because Zelle app is linked to my XXXX bank app, and they said I needed to settle this outside of XXXX. I've filed an online complaint about the scam through Zelle as well and have heard nothing back from Zelle directly. The situation was I am selling a piece of furniture on XXXX XXXX. The purchaser sent {$200.00}. Then I received an email from what looked to be Zelle stating that I have a pending payment of {$200.00} but I need to request an additional {$300.00} to create a business account. Supposedly, the sender sent the {$300.00} and I was to refund this {$300.00} to the sender and show proof to Zelle. I sent the {$300.00} from my bank account to this person. After that, I received another email stating I needed to send an additional {$500.00} to another person at Zelle for a Certificate Fee. The email addresses all ended XXXX, for both the person buying the couch from me and the person at Zelle. This is when I realized it was a scam and did not send the additional {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: WELLS FARGO & COMPANY
State: CA
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:
The account in XXXX is a old account that was resolved and still showing up on my report. the report is still payments to it. Account is settled and closed

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 2022-09-19
Company: PLANET HOME LENDING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was in foreclosure process XX/XX/2022. I applied for XXXX Assistance XXXX ( XXXX ) and was in loss mitigation stage ; the XXXX was it was accepted XX/XX/2022. At this time, I was told the foreclosure process would cease due to being in the loss mitigation stage. The home went to sale XX/XX/2022, and I was unable to fully exercise my right to loss mitigation. I contacted the servicer, Planet Home Lending, and told the home had went to sell. I spoke with the XXXX of foreclosure prevention department and she explained there was nothing they could do on their end to reverse the sale because it already went through and that I needed to contact the courts to exercise my redemption rights.

Company response to consumer: Closed with explanation