BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: Chime Financial Inc
State: CO
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 have a checking account with Chime Bank and as soon as I noticed that there were unauthorized transactions on my account I called the bank to report the fraud. I called 2 days from the last posted unauthorized transaction as soon as I noticed it when I logged in, online. There are a total of two unauthorized transactions from XXXX XXXX a gym that I have never had a membership with before. The charges are XX/XX/21 {$62.00} and XX/XX/21 {$49.00}. Chime Bank stated that they would do their research and contact me back with the results of the investigation to see if I would be refunded for these fraud charges. They told me that they would get back to me with in 10 days, but they got back to me via email with in 2 business days and told me that the charges are valid. They also said the work was on me to prove that they are fraud charges or unauthorized. How do I prove a fraud that I never did or a charge that I never initiated? I feel unprotected by Chime their promise to protect me against unauthorized transactions. There are multiple stories online on review sites of this company not protecting consumers against fraud transaction and refusing to refund the consumers who called in to report these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: eToro USA LLC
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello. On XX/XX/2020, I took advantage of an offer to receive {$50.00} from eToro USA, LLC after I deposited at least {$100.00} and invested that money. On XX/XX/2020, I deposited {$200.00} and invested that money as directed by the terms and conditions of the offer. Per the terms and conditions, the {$50.00} was to be deposited into my account by the 30th business day from that date. The 30th business day would have been XX/XX/2020. As of the date of filing this, I have still not received the {$50.00}, nor have I have received a response from eToro from the numerous emails I have sent them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back 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 explanation
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
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:
I submitted a dispute on XX/XX/2022, through the Consumer Financial Protection Bureau ( CFPB ) case number XXXX regarding WELLS FARGO BANK N.A. , XXXX XXXX XXXX ). I disputed the account, by providing an FTC Statement listing the account in question as fraud. Wells Fargo sent me back a letter XXXX XXXX stating the account in question was indeed mines. They went on to submit an application that confirmed that I had indeed opened the account. The application that they submitted has an address that I am not familiar with and have never lived at ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ). I have attached the FTC Statement, my identification that verifies me, and the notice to furnishers Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX {$2900.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2900.00} US DEPT XXXX XXXX {$2300.00} XXXX XXXX SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2300.00} US DEPT XXXX XXXX {$2300.00} ( XX/XX/XXXX XXXX US DEPT XXXX XXXX {$3100.00XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$3500.00} US DEPT XXXX XXXX {$3500.00} US DEPT XXXX XXXX {$2900.00} XXXX XXXX {$1500.00} XXXXNET XXXX {$3500.00} US DEPT XXXX XXXX {$1500.00} {$3500.00} US DEPT XXXX XXXX {$3500.00} US XXXX XXXX XXXX {$2900.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$3500.00} XX/XX/XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXXT XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX DEPT XXXX XXXX {$3100.00} XX/XX/XXXX US DEPT XXXX XXXX {$2300.00} XX/XX/XXXX US DEPT XXXX XXXX {$0.00} XX/XX/XXXX XXXX US DEPT XXXX XXXX {$2900.00} XX/XX/XXXX XXXX DEPT XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX {$3500.00} XX/XX/XXXX US XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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:
Fruad accounts appearing 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 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.

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 2017-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
I have tried to open up  XXXX  accounts at  XXXX  different banks.I wa s denied by chex systems.I do n't have any delinquent bank account reporting to the chex systems.They ar e discriminating against my personal life.I should be able to open as many bank account as I want.Along as I am in Good standing with those banks and is responsible financially to manage those accounts.I will be filing a  XXXX   XXXX  dollar federal class action lawsuit against chex systems for reporting inaccurate incorrect and inaduaqute items to those who have an positive banking  history.This is also causing me emotional distress and I am sure it is causing others emotion distress too.Chex systems incorrect inquiries on my credit report.Why am I and others being penalized for dum stuff.If no one is delinquent  or have an bad credit history banks.Then that should n't matter.What should matter is that person has a positive banking history.  <P/> Here the key factors   for on the report saying I could n't open an account.
-Time since non DDA -Inquiries Activity-I should have a right to open as many accounts as I want.
-Non Evidence of Asset Ownership.Why are they focus on my asset.This is a form of discrimination.
-Non DDA Inquiries or Retail Item History.
-DDA History.
<P/>
Why is this stopping me from opening up an account ... This is does n't say I am of risk to any banks.I am requesting a full investigation.I am requesting these item  s on my report be removed asap.They are not an reflection of my life and business.

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 2017-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX I have repeatedly requested information every month about this debt in writing only to be told that it is classified information that I need to pay it. They call all hours of the day, are very rude and vulgar, calling from many phone numbers. They have threatened Jail time, bodily harm, and to take out an ad in the local paper. They have demanded payment for {$5300.00} since XXXX 2012, every month I get the same letter. Every month I have sent in a written letter requesting information. Now they are calling my family members and telling them about this debt and threatening jail time for them if they do n't make me pay this debt. I have tried to work with them to get information and they refuse to give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a full time student at XXXX XXXX University in XXXX, Ohio. I was diagnosed with XXXX XXXX a few years ago. I got a Chase Freedom Student credit card some time back and have not used it. My bank account is shared with my dad who is retired from XXXX XXXX. He mentioned some time back that he was paying my {$40.00} bank charge from his account every month for the past few years. I didn't think much of that, as I thought it might be the charge for maintaining my account which always hovers nears the minimum. A few days back I called my bank and after I inquired about my credit card, I was told I owe {$1600.00} to them. For what? I don't recall incurring that expense EVER on my credit card. My mom was sad after hearing this from me. I did not tell them that I was going get help from CFPB. 
My parents who love me very much just told me 10 minutes ago that they had paid off the full {$1600.00} shown on my Credit card, from their Social Security payments. My heart broke immediately in hundreds of pieces. I hereby request you to 1 ) coax and ask Chase bank to return {$1600.00} to my mom 's debit card that is also from chase and 2 ) That I SHOULD NOT BE CHARGED ANYTHING EFFECTIVE IMMEDIATELY. As a MATTER OF FACT, I AM REQUESTING THE BANK TO cancel my credit card without any prejudice as I am not XXXX! 3 ) Start investigation into the FRAUD THAT SOMEBODY COMMITTED B Y STEALING THE IN FORMATION ON MY CARD AND Get those crooks to pay the retribution for causing financial hardship to an innocent and vulnerable student. That's all! Thanks and hoping for a fair and quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment through XXXX XXXX on XX/XX/XXXX. I was told that all I had to do is call in and give them the mtcn number so they can process it on that day then I would n't receive a 30 day late. So I called in the number on XX/XX/XXXX after I made the payment and gave the rep the mtcn number. I get a call on XX/XX/XXXX asking for XX/XX/XXXX payment and he informed me that I would be getting a 30 day late because my payment did n't get their until XX/XX/XXXX. What was the reason for me calling in the mtcn number from XXXX XXXX. Struggling to stay on track misinformed by representatives. I am doing my part yes I 'm behind you have no resources but to ruin my credit and take my home. I have no other choice but to put my house on the market and hope that I can get an apartment thanks Sunwest. I have made payments before on the XXXX of the month and I did n't get a 30 day why now. I am already stressed that things are at a down spiral you would think that I can get some type of break

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX Only NATIONAL CREDIT SYSTEMS ( ALLEGED ORGINAL CREDITOR ) XXXX XXXXXXXX XXXX. 

This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter in regards to inaccurate unknown information on my credit report that was not furnished with my written consent as a consumer per 15 USC 1681b subsection C ( Fair Credit Reporting Act / FCRA ). As of now its been almost 60 days and still not heard a thing about my investigation. I feel like im being taken advantage, my disputes are being ignored, and they are violating my rights as a consumer. In 611 ( a ) of FCRA it clearly states that failure to investigate these items within 30 days is reason to remove them immediately from my credit report. Its now been almost double that time at 60 days so they should be removed immediately. Im shocked how my rights as the consumer are being violated and im being ignored when asking for fair correction, I demand these accounts be deleted asap for all the stress it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: FIRST ADVANTAGE CORPORATION
State: PA
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all inaccurate I have never been in XXXX Arkansas in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 below accounts are not mine I have requested multiple times for signature copy of the accounts with my signature as proving its mine and the companies have not provided anything. 

Account NameCAPITAL ONE Account XXXX Account TypeCredit card  Date Opened12/18/2018 StatusPaid in settlement. {$450.00} written off. 


XXXX  Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XXXXXX/XX/XXXX Date Opened Closed. {$490.00} written off. 

XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility  XX/XX/XXXX Date Opened Closed. {$490.00} written off. 

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Paid, was a repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern Around XXXX received letter at my house from Chase Bank about my deceased fathers ' credit card, claiming a charge of {$29.00} some time in XXXX. 
Contacted them on the phone and by mail to tell them impossible charges could be made by my father, informing them that my father had passed XXXX, 7 months before getting this bill. They said oh sorry to hear that and sent another bill on XXXX For some reason I keep getting calls and bills to my address, I am not even sure how they got my address/phone number as I am not involved in the estate, but they keep sending me bills not sure why. 
I asked them to stop on XXXX by phone and mail, on XXXX phone and by mail on XXXX by phone, they now informed me they can not find any information out and not stop sending me bills for my father card. 
I would also add they just keep adding late fees and sending me the bills now total {$99.00}. Real class act. 
Please ask them to stop sending me bills. 
Yours Truly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: Information belongs to someone else

Complaint:
Yesterday my husband and I went to XXXX XXXX XXXX, XXXX, Tx to apply for a mortgage loan to downsize from our older, paid off home. When the loan officer ran the credit reports, only Experian, showed that we had two additional mortgages with XXXX XXXX and an additional auto loan with XXXX XXXX XXXX 
When we contacted XXXX XXXX, they verified that we had no mortgage loans. We did a little googling and pored over the report XXXX printed out for us from XXXX XXXX XXXX. 
Turns out that my Experian credit report contains information for a woman whose maiden name is the same as my married name and her social security number ( yes, that was on the report ) is just a couple of digits off mine. My guess is that someone didn't verify the social security number when they added this info. 

I tried to print a new experian report, but could not prove my own identity because they need me to very info about the loans that aren't mine. I tried calling experian 's number and went round and round with the computer generated voice. None of the options apply, and dialing XXXX doesn't work either. 
Consumer finance seems to be my main option. Please can you help? I'm not getting any younger! 
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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES TRANSUNION, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

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