BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a statement from BMO Bank of NA saying I had a checking account with XXXX balance. I NEVER opened an account with this company. Not only that but I was told there were 2 accounts opened. The XXXX acct is XXXX. The XXXX acct is XXXX. XXXX was opened XX/XX/23 the other XX/XX/23. They had an email on file of XXXX and a phone XXXX XXXX XXXXXXXX. I was told that the accounts were frozen because someone tried to use it without funds in the account. I asked for a copy of the original application from 2 different people at the bank and was told they couldn't do that. Why not if this is supposedly my account? How did this bank open an account without my authorization? I want it closed out immediately! They told me I have to call back and talk to their fraud department. What kind of bank doesn't have a 24 hour fraud department?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: U.S. BANCORP
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I funded a secured credit card in the amount of {$5000.00}, with an initial deposit to Elan Financial. The card was closed by Elan Finacial and my deposit was never refunded to me. At the time the account was closed, it had a balance of approximately {$410.00}. The remaining available credit {$4500.00}, which should have been refunded to myself has not been sent. After multiple correspondence to Elan Financial, they have refused to send my initial deposit back.

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 2022-09-28
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was scammed. I found a guy on the XXXX app ( pet sitting ) who wanted me to take care of his dog. Said he was moving to the area. We talked for a while about that. Then he asked me if I would be willing to do some personal assistant stuff and asked me to order him some supplies so he could have them ready when he arrived. So he sent me a check for {$4500.00} with a list of stuff to order. I deposited the check at PNC Bank on XX/XX/XXXX. He then told me he hired a personal shopper and asked me to please send the money to his shopper instead of ordering the supplies myself. So I sent all the money via XXXX. Today, on XX/XX/XXXX, the check bounced and was found to be fraudulent, which put me in the negative for that amount as I had no money in the account at the time. I replenished the money, in CASH within the hour of it bouncing. After I replenished the money, all of my accounts were frozen. I went into the branch and was told that my accounts were being closed, and I would not be able to open a new account as they were terminating the relationship. I begged them not to do that. All of my bills come out on the XXXX, and Ive been banking there for XXXX years. I sobbed and begged. They told me no, gave me my money, and sent me on my way. I was the VICTIM of a scam. And my own bank not only wouldnt help me on the fraud end, told me they could do nothing, they then terminated all of my accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted the three credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is an account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block 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. ( 2 ) A copy of an identity theft report ''. Please remove 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 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX lease account # XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease extension on my XXXXXXXX XXXX Document attached All payments were made and up to date. 
On Sun XX/XX/XXXX in the middle of the night XXXX incorrectly repossessed my vehicle. 
I reported it as stolen and was later notified it was at a car auction in NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX took me to court for mileage and damages. 

It's pretty obvious that the judge ruled in my favor. Document attached. 

Please please help me! XXXX continues to report inaccurate information to XXXX, XXXX XXXX Experian. I have spent months disputing this with the credit bureaus XXXX XXXX has refused to remove this negative information from my reports. 
I was denied housing due to this negative information. 

I need XXXX to remove all incorrect, damaging information from my credit reports. 

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 explanation
Consumer complaint received 2023-10-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit 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:
On XX/XX/XXXX an account was opened with XXXX XXXXSYNCB to finance gutter replacement on my home for {$7900.00}. On XX/XX/XXXX the installation took place & was completed, immediately there were issues with the work. I contacted XXXX of XXXX directly beginning in XX/XX/XXXX to have the numerous issues resolved, including damage to my property, my calls went unanswered. In XX/XX/XXXX I did receive a call from XXXX of XXXX in which they stated they were on their way to my home to fix the gutters, no one showed up or called to state they would not be coming. I called XXXX multiple times after this with no resolution & in XX/XX/XXXX informed them, I would be having their gutters removed & they could come pick them up. It became clear that I would not receive resolution with the company directly. 
In XX/XX/XXXX after having made payments to XXXXSYNCB XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I contacted Synchrony directly in XX/XX/XXXX to dispute this transaction with the credit card company. Since then, Synchrony has done nothing on my behalf to aid in the dispute of this transaction. Synchrony has stated in their claim denial letter that the merchant is working in good faith and has been in contact with you regarding your concerns and Synchrony Bank can not judge the comfort level of purchased merchandise. I have reasserted this dispute with Synchrony In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX of XXXX has not worked with me in any capacity, certainly not in good faith, nor has Synchrony bank. Overall this complete process in hindsight has felt like a scam, with XXXX and Synchrony working together to defraud consumers. 
I am submitting this complaint to the CPFB, the NY State Attorney General and will also provide a copy to XXXX of XXXX and XXXX/SNYCB.

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 2023-12-06
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Over the years chime has had inaccurate add ups of funds on my account. I've reported them previously about inaccurately charging transactions and the math not adding up correctly to what's being stated on my account. Chime is committing fraudulent activity. My accounts balances are not correct, chime is not allowing transactions to happen as scheduled with other financial institutions, denying transactions when money is available, and showing pending charges for things that have already been paid for and have processed. These are the tactics the bank is using to commit fraudulent banking activities. I've had multiple issue with Chime, as I stated previously but now it's becoming to ridiculous that no one is investing this business. Chime is holding money from refunds stating that they put it towards my balance when they did not. They have stolen numerous amounts of pennies from me. Which do add up. If you go through and add up yourself my persona record which I know would prove fraud, I'm more then willing to allow you to access my account to check. I'm tired of them stealing my money and getting away with it because they want to hide behind " processing '' items and inaccurate balances. Someone needs to investigate this bank asap. My account can't be negative and I have a balance and pending transactions that don't even add up to the balance they stated are available on different days. My account is negative or over drawn and has been when chime is stating I had XXXX of dollars as my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Paypal Holdings, Inc
State: TX
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 received an email on my computer, saying I needed to check or acknowledge something. When I clicked on the email, it was for approval of a charge for a XXXX XXXX called XXXX XXXX. The bill was for {$450.00} for this XXXX XXXX service. I didn't request this product and was not intending to buy it. The receipt had a number to call, so I called the phone number, and a person answered from Paypal. They claimed this product was purchased through my Paypal account. I ask them how that can be because I told them that I didn't have a Paypal account. I had not had a Paypal account for at least 5 years, which I dropped for fraudulent charges in my name. The person on the phone then told me about several other charges on this account in various places. He even had my social security number, which I don't give out. He said, that there were several in amounts of {$6000.00} dollars and other such large amounts. He then ask me to go to a gas station in XXXX XXXX to get some sort of card that I could make charges on to verify I didn't make those purchases. I thought this was strange so I hung up and called my bank to block charges on my band debit card. I worry about this because I am on retirement and can't afford a lot of legal expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Several attempts to all XXXX bureaus to clean derogatory and false information. I've mailed several letters, paid postage via certified mail, made several phone calls, to all XXXX bureaus since the year XXXX all to have the same items and addresses still show on my credit report. Letters I've sent a few times didn't receive responses. i reported fraud and also filed a police report back in XXXX due to suspicious activity with credit reports. XXXX has had a data breach that I feel I was affected by. I am currently XXXX and cant seem to do anything financially due to derogatory remarks and items being reported that I have asked to be verified all for them to take forever to respond and then for these items to come back as verified all because the so called creditor may have found and use a current address in attempts to validate the debt. I've surrendered over several peices of of substantial evidence that backs my claims but no fair justice has taken place. Reps for these bureaus who are working from home most of the time has offered little to no help or information. Etc., etc., etc.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : -XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Company: Block, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I requested to borrow {$120.00}. My account had {$460.00} in it at the time and only increased to {$560.00}. I was given {$100.00} instead instead.of the {$120.00}. The loan amount paperwork reflected asnthough CashApp provided me the full {$120.00} amount with additional fees to pay back. I contacted CashApp regarding this matter they talk amount everything else but the issue I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX is illegally reporting an item that was included in my bankruptcy I have submitted a dispute showing where that same account with the same amount and date opening was included in my bankruptcy. XXXX defense was that your bankruptcy was filed in XXXX and the account was opened in XXXX. Well originally it was a XXXX XXXX, I converted to a XXXX XXXX  which wiped all my debt on XXXX. The attorneys continue checking your credit and adding any new credit to the bankruptcy because you cant have any until after discharge so it was included in my bankruptcy before I discharged in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus 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. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I received a credit report to make sure that everything was up-to-date and correct. While checking my credit report, I noticed that there were some inquiries that I didnt apply for. I sent letters to all three credit bureaus. I told them that these inquiries are on authorized and they still havent removed them on my credit report. I did not apply for these accounts and Im not sure whats going on. Till this day, I am not sure why they are not removed on my credit report. So are you able to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
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 AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief