BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: Chime Financial Inc
State: SC
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: Overcharged for something you did purchase with the card

Complaint:
Chime banking has taken money out of my credit builder transactions without leaving a paper trail and double charging it but I have screenshots of it taking money out when I first do the transaction then it pending for XXXX days, then when it goes through it takes the same amount out in the same transaction a second time after pending when it took it out to start. On XX/XX/XXXX I made a {$40.00} gas transaction and it took it out, pended for 2 days and went through the XXXX where it took another XXXX out in the same transaction after pending. The same thing happened XX/XX/XXXX where I got gas at a different gas station for {$20.00} which it took out that day from my account and it pended until the XXXX where it took another of the same amount out for the same transaction. Then again Saturday XX/XX/XXXX I got gas for {$19.00} and it was pending until XX/XX/XXXX to where it took the money when I first made the transaction the XXXX and then again took it out a second time on the XXXX when it finished pending but didnt say anything was taken out though after it was I keep track of my account and my credit account went negative {$12.00} because I had {$6.00} and some cent left in my account to see if it would do it after it finished pending and it did which put me negative. Ive called and disputed all 3 times and didnt get the {$40.00} charge disputed the first time, they actually made a dispute about the {$20.00} one and the money came back in my account from that incident without a paper trail just as it was taken out and the {$19.00} is still in a pending dispute after a couple weeks now though I provided them with screenshots of how I caught what was happening and where it took the money out twice in the same transaction. Theyre leaving no paper trail of it either unless you catch it in your own account and know your balance. I was only able to do it so well because I have notifications turned on that shows it was taken out when I first made the transaction then screenshots of it doing it again without leaving a notification just from it going through and that much being taken out of my balance. ( It was for gas in my car all 3 times but from raceway and qt, 2 different stations. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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:
EQUIFAX credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of EQUIFAX not responding EQUIFAX has said that these debts which are FRAUDULENT have been verified as accurate. EQUIFAX has violated my privacy rights EQUIFAX DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant EQUIFAX permission to add these items to credit file. EQUIFAX has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Phillips & Cohen Associates, Ltd.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am consistently receiving emails from Phillips & Cohen Associates, Ltd about a debt I do not owe. This company is also fraudulently claiming to be collecting this debt on behalf of XXXX XXXX  which I also do NOT owe any debt. Even if I did owe a debt ( in which I do NOT ) I'm well aware that specific laws prevent debt collectors from collecting more money than they initially paid for the alleged debt. This is fraud and deceiving by means of misrepresentation. I would like Phillips & Cohen Associates, Ltd to cease and desist all communication with me through any and all medium affective immediately. Indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In, XXXX through XXXX, I reported information to each XXXX credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies XXXX years ago.

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 2023-01-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
On XX/XX/2022, I went into a Citizens Bank branch on XXXX XXXX and XXXX to close my checking account. I also had a line of credit open that my checking was auto paying. 

Before closing my account, the teller said they needed to move money over to my credit to zero out the balance and to come back a week later to close out after that was completed. 

I took a XXXX withdrawal ( leaving enough to pay off line of credit ), signed the funds transfer paperwork and left. 

About two weeks later ( believe XX/XX/XXXX ), I came back into the branch, verified my credit accounts were closed and took the remaining balance from checking and closed account, signing paperwork. 

In XXXX, I noticed my lines of credit were drastically decreasing and being closed at other banks ( for no apparent reason ). When I looked into it, Citizens Bank had filed a major delinquency report on me because they said my line of credit was still open. 

With this knowledge, they had never called, sent a letter, texted or communicated with me in any way. I checked my online account and it showed XXXX balance. When I called, the credit department said to pay it off. The XXXX office said theyd have a letter written to me in 30 days. This has to be some type of Reg E violation. 

My credit has dropped over XXXX points due to this ( false reporting > reduced credit score > lines of credit decreased > utilization rates up XXXX continued decrease in score, etc ). 

Citizens has not looked for ways to help and is leaving me in a perilous financial situation with resolution being a letter in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, XXXX XXXX XXXX reported a hard inquiry on my credit report, That I do not recognize. The company agreed to remove this hard inquiry from my credit report. Please delete this hard inquiry from my credit file within 30 days. Thank you!

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 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one closed my account due to an administrative decision. They emailed me and said they would release funds to my linked back account in 2 Days or a check 7-10 we are now passed that. I also deposited a check which they have not made available clearly not following the federal guidelines of funds availability, they told me there is no set time on the hold which I think there had to be regulation they cant hold the money forever. 

Need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Synovus Bank
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It has came to my attention that First Progress Card has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

First Progress Card is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and First Progress Card. This account with First Progress Card is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. First Progress Card, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My payments are made on the XXXX of each month by XXXX XXXX  arriving within 3 days yet every month Shellpoint sends me an e-mail around the XXXX stating my payment was not received. How is this possible? I have sent numerous letters to them including copies of my bank statement but they never respond back. They are the worst. They want to be paid thru " their '' on line system which I do not trust so I will continue to use my bank. Also, they keep stating I am a payment behind due to this months payment not being received? What is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
XX/XX/2022 Letters were sent to Experian asking to please correct the fraudulent accounts from my consumer report and I received and email stating that the accounts were found verified. 

XX/XX/2022 Another letter was sent to Experian stating that the email I received was not the proper way to inform me. Also that the fraudulent accounts that remained were not properly investigated and completely went against the federal laws in place set by the FCRA. These invalidated accounts were updated and my credit score suffered tremendously. I explained that my rights were violated and never received a response since. 

Proof attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After a through review and audit of my accounts due to some strange activity on my mobile devices. In my capital one 360 bank account I noticed multiple transactions that I didnt make to an individual named XXXX XXXX XXXX It has been reviled that this individual has stolen this money from my account. In the amount of XX/XX/2022 for {$410.00} one for {$480.00} another for {$200.00} and the last for {$270.00}. All these transactions I disputed with capital one claims department where they lied about issuing my credits. It was advised to me at the time of the original dispute that it would be 1-2 business days to see the credit then after 3 days they never gave me the credit. Then when I called they told me that it would be 10days before I see a credit. Then on the XXXX day they denied XXXX of the claims and kept 2 open then on the Monday after they closed the first two they finally denied the other claims. I went back and forth with capital one and they hid the police report that I submitted to them when I initiated this dispute. They claimed to NEVER HAVE THE POLICE REPORT. I then wrote a complaint to the president regarding this matter and an agent from the credit card side of capital one reached out to me not a representative from the bank side reached out to me. So now it is months that no one has done anything about this. I was discriminated in this whole process by the dispute team at capital one claims department they wrote FALSE NOTES IN MY FILE and on XXXX 2022 on XXXX pm est time on the recorded line it was revieled to me that the reason I was being denied is behavior based that I got into an argument with a member of the claims team so they will not get my money that has been stolen from me. Now they are causing my accounts to be treated in a negative manner. People are hanging up on me. Holds are being placed on me from payments from my capital one bank accounts of mine to capital one credit cards in the last month. We have employed a private detective who has located XXXX XXXX a known felon who is being charged in the state of Florida on multiple felony charges. Now when I call capital one and make them reopen these claims and make sure they have the police report they opened the claims and sent me emails confirming this at XXXX pm est and I was advised to call in at XXXX pm to check the status of my credits where an individual alerted me to the fact that i am being given my credits in XXXX to XXXX hrs. THIS NEVER HAPPENED! I get a individual from the claimsNo dept that says my claims have been denied at XXXX today XX/XX/2022. These claims have been going on since may. The account number is XXXX checking XXXX at capital one 360 account and it has been on restriction since may due to no resolution and the lies by the claims dept. this needs to be handled soon and the credits need to be deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. I have paid all my payments on time. 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by an XXXX XXXX XXXX on I sent a {$200.00} deposit on XXXX through my Chase online banking XX/XX/2022 and another deposit of {$150.00} on XX/XX/2022 I received the information on my travel and everything. On XX/XX/2022 I paid the whole thing off ( I sent {$550.00} ) after I sent the payment the place where I booked said the funds were reversed and when I contact the travel agent the never responded I even requested the {$900.00} back on XXXX and nothing happened. I called Chase fraud department and Im unable to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I tried to pay a bill online at XXXX with my Chase Sapphire credit card. Chase blocked the charge and sent me an email and a text message saying they alerted it as fraud, that no charge was made, and to try it again ( after confirming it was in fact me ). So I tried the charge again on the Sapphire card. They again blocked it and send me an email and text message saying that the charge was not made and to try again, after confirming it was me. I tried a third time, now using my Chase Amazon card, and it was blocked again and all the same things happened. By the fourth time, my card went through. Then, I received all of those charges on my amazon and sapphire cards. I have called Chase 4x asking for them to dispute those charges with XXXX and asking them to correct the charges made on the cards as a result of their " fraud protection. '' I still am being charged for 3 repeated charges. I have also tried calling XXXX after Chase told me they could not help me and that I have to contact XXXX. XXXX will not help me because I no longer have an account with them. It is now XX/XX/XXXX, I am still being charged for the exact same payment XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Ive submitted multiple letters about the 90 day late notice on my report thats incorrect from XXXX XXXX. Attached is a bank statement showing I made my auto payments every month and I never missed a single payment. I appreciate XXXX for approving me for a auto loan and even though I went through a bankruptcy that this vehicle was included in I never misseda single car payment even after that and paid this vehicle off in full.

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 2019-10-19
Company: First Credit Services Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Credit Services Inc. fraudulently flagged my credit file for {$350.00} with inaccurate information on XX/XX/2019 ; the account was fraudulently opened on XX/XX/2019. I do NOT now nor have I ever agreed to this contract! First Credit Services Inc. received my Validation Notice allowing them to verify their claim via certified mail no. : XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. First Credit Services Inc. ignored the Validation Notice provided and fraudulently placed their unverified illegal account with the credit bureaus for collection on XX/XX/2019. There is a clear case of fraudulent activity here! 
A Validation Notice was provided to First Credit Services Inc. on XX/XX/2019 via certified mail within 30 ( thirty ) days of their notice dated XX/XX/2019. 
First Credit Services Inc. ignored the certified mail and fraudulently placed their unverified account on my credit file on XX/XX/2019. 
First Credit Services Inc. is currently conducting fraudulent credit practices by updating information on my personal credit file without verification of data. First Credit Services Inc. has also been proven to be a fraudulent 3rd party collection agency that violates its alleged clients rights. First Credit Services Inc. is not an accredited company.

First Credit Services Inc. is NOT the HOLDER IN DUE COURSE and does NOT have a permissible purpose to contact ( NAME. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Account information incorrect

Complaint:
Reporting Highest balance {$2600.00} limit on {$2600.00}, Refer to fee dispute under review.

Company response to consumer: Closed with explanation