BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I did partial transfer of multiple assets because I wanted to remain as a customer with Robinhood ( I invest XXXX ). They stated on phone and in email that it would only be {$100.00} fee charged. They have charged me {$600.00} so far and more on the way " How does an account transfer work? 
You can transfer securities and cash to other brokerages through an ACATS ( Automated Customer Account Transfer Service ) transfer. If you want to keep your Robinhood account, you can initiate a partial transfer. Otherwise, you can initiate a full transfer, and well close your account once the process is complete. 

Note that there is a {$100.00} fee to transfer your assets out of Robinhood, whether as a partial or full transfer. '' From Website

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion and XXXX are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}, Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/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 2020-06-17
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX just put on my credit history that I own money to them. I was in a natural disaster at the time that I had them and couldn't paid for it due to the fact of the hurricane that hit our community. Now years later they have put me in collections, saying I haven't paid them. I talked to them when we had the the hurricane and they said I was food. This was when hurricane Matthew hit our community. I have tried to dispute it off my credit report and the company I.C. System ICN will not take it off my credit report. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Bread Financial Holdings, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
In XXXX of XXXX I purchased XXXX XXXX on a 18 month no interest plan through Comenity Capital Bank. Through electronic transfer from my checking account to Comenity Bank I paid {$220.00} per month starting on XX/XX/XXXX and ending with a final payment of {$200.00} on XX/XX/XXXX. I received a call from Comenity in XXXX of XXXX that I had missed a payment and that I needed to send a check for {$200.00} to resolve the issue. 
I failed to notice that they continued to take {$200.00} each month for the next nine months. I don't mean this as an excuse, but I had just lost my wife of 57 years and was in the process of selling my house and just failed to catch this. When I discovered what they were doing I put a stop to it through my bank. Comenity continued sending me monthly statements adding fees and charges. 
I finally decided to get them off my back and, through one of their supervisors settled by credit card for {$280.00}. The supervisor told me the reason for all of this was I hadn't made the payments for XXXX and XXXX of XXXX. 
I did some further research and found proof that I had indeed made all of the payments and that they had unjustly charged me a total of {$2100.00} including fees and interest. 
I wrote to them on XX/XX/XXXX, of XXXX explaining this and asking them to return my money. I got a letter saying they were researching it but never got an answer to my request. I wrote again to them in XXXX of XXXX and included the cancelled checks proving that they did in fact receive the payments for XXXX and XXXX. 
They responded that to much time had elapsed and therefore they were denying my claim. 
I am Forwarding all the documentation for your inspection. 
Thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: UT
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 been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: MoneyLion Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
My father had an account with MoneyLion and was being billed $ XXXXmonth for membership fees. He passed away on XX/XX/XXXX, and MoneyLion was notified within two weeks. At that time, they said they would cancel the account. 

At the beginning of XXXX, they deducted the membership fee from the bank account. We sent a copy of the death certificate, again asked that they terminate the membership, and asked for a refund for the previous month 's charges. They didn't ( and still haven't ) responded. 

It's now approaching the XXXX billing date. When I called to resolve this, they told me I had to submit a support ticket on their website. 

I've sent them a death certificate, letters of administration, and an oath of personal representative from the court.I 've asked that they close the account and stop automatic withdrawals immediately. It's now been 3.5 months since the initial contact, and they have yet to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: OK
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 have a inquiry on my credit report from JPMCB Card in XX/XX/2021. I did not apply for a credit card and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: SC
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:
Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
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. 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 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 report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealers XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 

Also, all information on reports must match across all XXXX bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a customer of CB Indigo and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: SC
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:
Someone has stolen my identity, apparently to open accounts and gain profits in my name. I'm not sure who did this to me. Not sure how they obtained my information. I don't know quite where to go from here. 
These are the accounts that was opened in my name. 
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 

According to Fair Credit Act all credit bureaus must be accurate with reporting to all XXXX bureaus. In accordance with Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer report agency can not furnish an account without my written consent. 

These are the hard inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX na XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Cr XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXe # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX. 

Also, all information on reports must match across all XXXX bureaus, and every account has numerous errors on them. None of them matches up on the same on all three bureaus. 

In closing these accounts are the result of someone else taking advantage of the loopholes. I ask that something be done about this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CURO Intermediate Holdings
State: NV
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:
On XX/XX/2022, The debt collecting company Ad Astra Recovery Service Brought a debt from XXXX XXXX XXXX. And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Gurstel Law Firm PC was hired by the XXXX XXXX XXXX XXXX  to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXX  which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX firm has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
HSBC failed to honor the {$600.00} sign up bonus for the checking account I opened, even though I have doing monthly {$5000.00} direct deposit as the requirement for receiving the sign up bonus.

I have contacted HSBC previously but no one is following up with me and my issue never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: JPMORGAN CHASE & CO.
State: OH
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'm am reporting how a bogus account was setup on Chase 's secure website. Although bogus Chase did nothing to assist me or willing to accommodate. 
On XX/XX/XXXX I had paid a bill through bill pay. I have been using bill pay for years. I had chose to pay XXXX XXXX 's XXXX for {$250.00}, to be delivered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get my account information at that time I was told they had not received a payment. I had called Chase I was told by the agent that a payment for {$250.00} went to XXXX XXXX XXXX XXXX  Informed the agent I don't have an account at XXXX XXXX I was told that I would have to investigate to find out who XXXX XXXX XXXX was. 'When questioned about the payment I had told the agent I did make a payment for {$250.00} to XXXX XXXX XXXX, it was then confirmed that the payment went to XXXXXXXX XXXX XXXX XXXX I had question the agent of how did XXXX XXXX XXXX XXXX appear on my bill pay, considering I did not set this up and it suddenly this bogus account is connected to my account. 
My chase account as of XX/XX/XXXX showed a pay bill payee name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; Phone number XXXX ; Account XXXX ; Pay-from account Main Account ( ... XXXX ) ; See on Schedule payment screen yes. XXXX XXXX XXXX Called back was told that I would have to investigate myself all through I got this information from by payee Chase account. I had called the phone number XXXX I had found this was a bogus account. I had copied all the transactions. Called Chase back the XXXX XXXX Credit Card payee account was gone from my account. I had reported the XXXX XXXX Credit Card was fraudulent. They had update my account with {$250.00} until they investigated my case. 
Received a letter from Chase XXXX XXXX per Chase I they found my claim was authorized, they removed the {$250.00} on or after XX/XX/XXXX. 
While Chase was investigating I had received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX named to XXXX XXXX XXXX, expressing that my account number is no longer valid. They credited my payment to the correct account. Called XXXX XXXX XXXX it was determined that a account under the name XXXX XXXX XXXX was opened XX/XX/XXXX and closed XX/XX/XXXX. They found {$250.00} sitting in the closed account. Per the agent they would sent me the money within 5 business days. 
I had called Chase XX/XX/XXXX to report my findings was told thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on XX/XX/22 I attempted to open my Chime app and was greeted with " Account suspended for suspicious activity '' XXXX XXXX XXXX XXXX'. i emailed the review email and got no response. I then called the support number over the next few days and talked with multiple supervisors saying that they are unable to do anything or unable to contact the department that reviews my account. they told me to email XXXX with documentation which I did and waited for about a week. I have around XXXX XXXX  in the account that I transferred from my XXXX XXXX XXXX account. I need this money for bills, gas, and food. I have gotten no update or anything back from them. this is ridiculous, shouldn't take this long when support said it would only be 1-2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
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 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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX XXXX onXX/XX/2021 about a debt they clamed I own, see attachment.To this day they failed to verify the debt the debt as they are required by the air Debt Collection Practices Act and the FCRA.

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 2022-08-02
Company: CITIBANK, N.A.
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:
Citi Card reported activity on the credit card for the months of XXXX and XXXX with XXXX. However they did not report the activity during the months of XXXX and XXXX to XXXX. Because of this there are 2 months that are missing from my usage total

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