BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a student account with Regions Bank. I had visited the XXXX, FL area the first week of XX/XX/XXXX for a music festival. Somehow my debit card and pin number were stolen. I did not realize my debit card was gone until after returning to my home in XXXX, TN. There was very little money in my account as I was not working at the time as I was focusing on my high school graduation. Regions contacted me to collect on an overdrawn student checking account. Regions had accepted a counterfeit check, with a forged signature to be deposited and funds withdrawn between XX/XX/XXXX and XX/XX/XXXX. I do not know how my pin number was compromised or my card was stolen but I do know that I did not provide it to anyone. Regions did allow this counterfeit check with a forged signature to be deposited into my student account in the amount of {$4700.00}. Regions did provide a copy of the deposited check and it is not my signature. My account has never had this amount of money in this account. I do not understand why they would have accepted this counterfeit check, with or without a pin number. On XX/XX/XXXX Regions Bank said I allowed my pin number to be used which I did not know anything about. I knew nothing about these transaction taking place in XXXX, FL while residing in TN. The notification from Regions told me to go to the local branch for assistance but they indicated they could do nothing and suggested filing a police report which I did with the XXXX, TN police department to have the case reopened. I filed my police report and sent an appeal to the finding. the appeal was faxed on XX/XX/XXXX to XXXX. I have not received any notification regarding the appeal. Regions did takes funds from my grandparents ' account and my uncle 's account as my grandmother had to supply her social security on my account because I was a minor when it was established. They took over {$2200.00} form my grandparents account and over {$300.00} from my uncle 's account and they found out when attempting to use their accounts. 
I really need some help. Regions continues to call and attempt to collect over {$2000.00} dollars for a counterfeit check that should have never been allowed in my account. I start college in a couple of weeks and have no such funds available. My grandparents had to go borrow money. I really feel Regions should have caught this activity based on the fact this is a student account that has never seen this type of activity. While I understand the pin number was used, I did not know it was stolen and had no knowledge of this activity. If I had {$5000.00} in the bank and it had been withdrawn using the pin number, I would feel it may be my fault. When Regions allows a counterfeit check to be deposited, I feel they are responsible for that.

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 2020-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been a loyal customer of Bank Of America for years now, since the day i turned XXXX with no issues. Im almost XXXX. Earlier this year I had {$900.00} fraudulently taken from my account a couple weeks before I XXXX XXXX XXXX XXXX XXXX XXXX. They denied that claim saying that there was not enough evidence & when i called to try & reopen it they said it wasnt possible. I filed a police report like they said, but in the end they gave me the run around & all they did was close the account & opened a new one up. So all documents are lost on my end. I would have been more on top of it but i was XXXX XXXX XXXX XXXX, & when he was born he needed XXXX XXXX XXXX & then the pandemic was starting to happen, I had lost my job because of it. There was so much going on, by the time we finally got home after everything I figured that {$900.00} is lost now. Fast forward to XX/XX/XXXX, I went to a baby shower, & I was about to XXXX myself money from my Bofa app to another bank account. ( I make at least 10+ XXXX transfers a WEEK ) but i decided to just pay using my bofa instead. I was still logged into the bank app because it automatically signs you out after a certain amount of time. I set my phone down for a second & Im guessing someone either saw me type my phones code in or just knows my sons birthday, but they got into my phone & sent someone named XXXX {$140.00}. I didnt even notice until the next day. Usually i get a text code whenever I XXXX  large amounts of money but there was no messages for that. He is also not on my contacts so i dont even know his number or email for XXXX. Whoever was on my phone deleted all of it. I called bofa to file a claim & they once again denied it saying that I consistently make XXXX transfers from the phone, so there is nothing they can do. When i filed the claim, i told them it was sent from my phone though but i did not authorize the charge, i dont even know who the guy is the money was sent to. They once again told me to file a police report, but its been over a month now & i know they wont reopen the claim once i do. They once again closed the account & put a {$880000.00} hold on it. So now im just wondering if there is anything I can do. this whole year feels like bofa has been robbing me. I have XXXX XXXX & XXXX they have never given me any issues for years. Im a single mom & Ive been out of a job since XXXX. I worked up until the day before I XXXX XXXX  just for it all to be taken away. Please helppp : (

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 2022-02-15
Company: Experian Information Solutions Inc.
State: WI
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2018-09-12
Company: JPMORGAN CHASE & CO.
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:
I opened my account around XXXX of this year and so far I've had hundreds of dollars ( around $ 300+ ) in fees, of which at least {$68.00} were the fault of Chase for  miscategorizing transactions and charging me an overdraft fee for transactions that should have been declined if the money wasn't in the account. 
I was told that they can only refund {$100.00} in fees per customer, whether or not it's the bank 's fault. 
Most recently on XX/XX/2018, I received a {$90.00} " cash advance '' fee which I didn't know existed after funding a new bank account with my debit card. 
I was told there was no way to have it refunded because I had reached my maximum amount of fee refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote Credit Collection services asking for validation documents showing I owed the said debt and amount. They provided me no documentation that I am legally entitled to under the FCRA. XXXX  Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
i DEMAND THAT THIS COLLECTION BE CLOSED OR VALIDATION DOCUMENTATION BE SENT TO ME SHOWING I OWE THIS DEBT. You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Chime Financial Inc
State: TN
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 been banking with Chime at the start of XXXX. Ever since then I had not ran into any issues until XX/XX/XXXX when I had XXXX $ stolen from me from an unauthorize transaction to XXXX. I was able to call them on my XXXX  XXXX at the time but they never responded back to me about the refund in credits. Later in the month of XXXX my Pixel XXXX had been broken and had sent out to be repaired so I haven't had phone service since then and had to connect to customer support via WiFi Calling. I had notified them of the incident and told them of my dire situation. Then on XX/XX/XXXX I contacted Chime about my current balance and if any transactions have occurred on my account since I am unable to login to the app via XXXX lockout. They responded as if nothing was wrong and I had the current weeks paycheck on the checking account. Through a lot and back and forth calling online I was forced to get my old debit card active again to try and access my funds. After failing to get any of my funds out for the next 3 days, I called back Chime to get notified that XXXX $ had been taken from me by an unauthorized transaction to USPS.XXXX. I had filed a dispute once more while on contact with them and they had stated it would take 24hr-48hr to get back to me. They got back to me a few hours later and closed the dispute with no credit given back to me. Then on XX/XX/XXXX, they had closed off my account and credit card thus not having a way to call and respond back to my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I was notified by Equifax Credit Corp. that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to Equifax showing the bill had been paid. I also contacted XXXX XXXX on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to Equifax Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: UNITED AUTO ACCEPTANCE
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:
I have a loan with UNITED AUTO ACCEPTAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED AUTO ACCEPTAN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120 days or more than four payments past due since XX/XX/XXXX- XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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 filed a dispute in regards to the incorrect and out dated items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Webcollex, LLC
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:
CKS Financial # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
State: AZ
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:
Citibank closed a billing dispute in the merchant 's favor and reversed the conditional credit for a transaction which I disagree with. 

XXXX XXXX XXXX is operating a bait and switch negative option transaction scheme whereby they sign customers up for a lengthy trial period. In my case this was 12 months. They then intentionally fail to send a notification to the customer that the trial is ending and that the price will increase, despite promising during the sign up process that they will alert the customer of any price changes. 

Evidently they don't consider a 12 month trial ending and the price being multiplied by a factor of XXXX a price change. 

Citibank is encouraging this anti consumer behavior by supporting the merchant in this deceptive billing practice and reinstating the charge. It is widely understood that these billing arrangements are improper. XXXX has banned this behavior already, and XXXX has announced a similar ban beginning later this year. The combination of the questionable business ethics of running this sort of scheme notwithstanding, with failure to fulfill a sign up promise to notify me ahead of the price change, should be sufficient for a finding in my favor. 

I feel that the charges I incurred as a result of this scheme should be reversed and Citibank should find in my favor. 

The first improper charge is for a total of XXXX from XXXX on XX/XX/XXXX. 

The second improper charge is for the same amount on XX/XX/XXXX. 

The expected amount for both charges is {$4.00} which is what I opened the dispute for. 

Because XXXX promises during sign up to inform the customer of any price changes and they did not do that, I feel these charges are improper.

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 2021-06-09
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021, I called Comenity Bank ( XXXX XXXX ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment. The CSR asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. In the beginning of XXXX of 2021, I received a statement stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given an interest fee of {$9.00} for a total of {$44.00} ( subject to late fees ) if I don't pay it on time. Comenity Bank ( XXXX XXXX ) is taking advantage of consumers who are unemployed due to COVID restrictions and just trying to stay afloat. Comenity Bank ( XXXX XXXX ) is engaging in unfair practices against consumers.

Company response to consumer: Closed with explanation