BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: TN
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:
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 IN # XXXX DEPT OF ED/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 a account without my 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 convictions 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 that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account. 

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, has violated my rights. XXXX. XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my 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 convictions 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 that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: IL
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:
Credit report was obtain without consent believed to be a identity theft. I am unable to resolve or dispute inquiries with the credit 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 Santander Bank in XXXX, NJ closed 2 of my business accounts and my personal account without giving any reason. When inquiring about the issue they just said that they are not required to give a reason for this. Coincidentally 1 month prior I had been complaining about some charges that the bank took out of my account monthly for 2 years. They reimbursed some of that money and then 1 month later I happen to get the notice. I have been doing business with this bank for almost 15 yrs without any issue. Also my square account that I do business with stopped working at the same 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 2022-07-03
Company: Experian Information Solutions Inc.
State: NC
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 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 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: IL
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:
Credit report was obtain without consent believed to be a identity theft. I am unable to resolve or dispute inquiries with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Bridgecrest Acceptance Corporation
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 XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, We came out of a loan modification with Caliber Home Loans end of XX/XX/XXXX. 

XX/XX/XXXX When I called XXXX in XX/XX/XXXX to make my first payment after completion of the loan modification. The person I was speaking with was all confused about what I needed to pay. They finally gave me an amount of XXXX. I made the payment through XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I was ready to make another payment in XX/XX/XXXX and the person I was speaking with at Caliber said the amount to pay was XXXX. I was annoyed with them because they did not get it right the first time in XX/XX/XXXX. I made the payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I checked Caliber website and noticed that my payment for XX/XX/XXXX did not show up as paid. I called Caliber and asked them to correct the problem. They said they would look into it and see what they could do. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I check Caliber website again and problem with XXXX still not corrected. 
I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber webite again and no change. I called Caliber and the said that the XXXX I paid in XX/XX/XXXX went into suspense. That I needed to pay an additional XXXX to make XX/XX/XXXX correct. I made the payment on XX/XX/XXXX. I called a few days later and they said they would fix it. I made XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber to see if they fixed the problem. Not fixed yet. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I made a payment on XX/XX/XXXX for XXXX payment. Caliber website still show me behind a month. I called and spoke with a customer service person and now they are saying payment for XXXX was declined. I can not get them to straighten out my mortgage payments. Caliber Home Loans does not know what they are doing. Please help. 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Purchase securespend prepaid card for {$500.00} on XX/XX/XXXX, went to check the balance of the card and received an error. Called the phone number on the card and was told that card was marked for fraud as a transaction for {$500.00} had been made. Transaction was not me clearly. Expect a refund, or new card with same amount. Filed a dispute case with agent over the phone, and signed it online. 
Has been over 30 days that I have not received my money back or a new card .... ridiculous to wait this long for my {$500.00} which was stolen. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have submitted my dispute with Equifax 30 days ago and have not heard or received any update. I called in and was told they never received my dispute. Please accept this as my dispute. This is to ensure that you have received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show ZERO late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A little background information, when you make a purchase XXXX XXXX for grocery delivery they generally charge excess of what they end up settling for in case the total ends up being more than originally anticipated. 

When these transactions are settled by XXXX for less than originally expected, the excess is supposed to go back into the available balance. Instead, Chime is holding that excess in pending for an additional XXXX days. 

This has happened several times. The most recent occurrence is a transaction on XX/XX/2022 at XXXX. The transaction settled on XX/XX/2022 for {$13.00}, leaving an excess of {$0.00} in pending transactions. I have sent written support tickets to find out why they are doing this and effectively holding that excess money hostage in pending. I have been unheard by customer support and dismissed by a supervisor named XXXX. I was placed on hold for an extended amount of time ( greater than 25 minutes ) and then transferred to a queue with a wait time of greater than 10 minutes after being told he was just going to check the account. I created a chat support ticket and they didn't even read what the issue was and copy/pasted a generic response that I can't dispute pending transactions and when I informed them it wasn't about a dispute, dispute agent XXXX copy/pasted said generic response about 3 more times anytime I said it was not a dispute issue. I want to know why Chime is holding any excess a transaction settles for hostage in pending for an additional 7-10 days. I also no longer wish to deal with their customer support/supervisors after being treated like complete dirt by them,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: SLM CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae XXXX XXXX loans taken out in 2016. Total amount of all 4 loans is around XXXX. I can not afford the payment of over XXXX per month ( since I graduated ) and I am and was considered XXXX. I believe I was on XXXX when I took out the loans. I have tried twice to file a XXXX discharge for the private loans. I had a federal XXXX discharge prior to taking out these private loans so that I could finish school. They will not discharge the loans because I am working part time ( even though I earn under the allowed amount by Social Security. ) I am now 17 days behind on my payment this month and they are calling me 4-5 times per day and demanding not only THIS months payments but NEXT months ... .I need help. This is discouraging. I am doing the best I can ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I received an email from the Coinbase KYC team on XXXX XXXX requesting due diligence information and threatening to close my account if I did not reply. I contacted their Support team on the XXXX, and asked if the KYC request was a valid request from Coinbase. They confirmed the request, and I followed up with the KYC team, provided my w2 and answers to their questionnaire. They followed up the next day and asked me for the exact same information in an email that was formatted slightly differently. I replied and said they had already received my information and asked why they were sending this a second time. They did not answer that question. 

They then sent me a third request with the exact same questions on XXXX XXXX. It was as if they read my attachment and completely ignored the responses I submitted. Frustrated with their email and concerned that I would lose access to my account, I asked to be put in touch with a manager by XXXX, the XXXX, and informed them that if I did not have a reply by Friday afternoon, I would proceed with a complaint to the CFPB. The KYC team 's reply was some copy and pasted response about regulation and security and did not address my request to be contacted by a Compliance Manager.

I reiterated my request to be put in touch with a manager by XXXXXXXX. It is now XXXX, and I have not been contacted by anyone other than the KYC team. 

Considering that I have been threatened with the closure of my account I find it highly inappropriate that no attempt was made by Coinbase to escalate my complaint or even address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am bringing this to CFPB second time after crossing 30 day deadline by the credit bureau ( TransUnion ). I have complained about wrong Inquiries on my credit report to the company ( TransUnion ) and asked for a verifiable proof of permissible purpose. 
I did not hear back in 30 days and I complained about this issue to CFPB. I was told that TransUnion is still working on my issue. 
I am requesting second time to CFPB to help resolve the issue as this is a clear violation when wrongful hard inquiries are still showing on my report. I am reserving right to file for lawsuit to claim for {$1000.00} per wrong entry 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 2020-04-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Item no. XXXX has no record on the PayPal portal where I can request a refund. The seller refuses to perform the refund even though I sent the documents. For some strange reason PayPal does not have it documented where I can request a refund. Something is very wrong here. Sent USPS on XX/XX/2020. Charged {$15.00}. 

Item no. XXXX never received. Requested refund of product and shipping fee. About {$24.00}. Purchased on XX/XX/2020. 

Item no. XXXX returned to seller.. Seeking refund on my PayPal account . Purchased on XX/XX/2020. 

I can not get PayPal Credit or XXXX. There seems to be a problem securing a refund for these 3 orders on XX/XX/2020.

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 2022-04-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from XXXX XXXX XXXX saying I owe {$180.00} to banana republic ( Synchrony Bank ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a banana republic account

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a letter from CHASE bank, dated XX/XX/2023 stating that both my business checking and business savings account are going to be closed effective XX/XX/2023. No explanation on why. Called the bank and they said the decision has been made and no explanation could be given. They said the bank has the right to close the account and has no obligation to give a reason.

Company response to consumer: Closed with explanation