BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Viking Client Services
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to submit a complaint regarding the actions of XXXX XXXX XXXX XXXX and Viking Client Services , LLC in relation to a successfully disputed charge on my debit card.

On XX/XX/2023, I rented a car from XXXX XXXX XXXX XXXX and provided them with my credit card information for payment. The rental car rented, had pre-existing damage from a prior rental. I have included pictures that I took of the car when I received it, which clearly shows there were preexisting cosmetic damage to the car. Ive given the rental staff at XXXX XXXX XXXX to document the the pre-existing damage but the customer represented noted that the rental agreement was already delivered to me electronically. 

Additionally XXXX rented me a car with low tire pressure. I received the low-tire pressure warning 5 minutes after I drove the car off the lot. Their lack of maintenance and inspection is extremely concerning. XXXX put me in a dangerous situation by renting me a car with existing damage and also low tire pressure. 

After the rental period was over, XXXX XXXX XXXX XXXX charged my credit card in the amount of {$65.00} and attempted to charge me for the rental cars pre-existing damages. I contacted my bank to dispute the charge, and after a thorough investigation, my bank determined that the charge was not valid and was successfully reversed. 

However, to my surprise, I recently received a notice from a debt collector, Viking Client Services LLC, noting that I am still responsible for the {$65.00}. I was shocked and confused by this, as I had already won the dispute with my bank. 

I believe that XXXX XXXX XXXX XXXX XXXX  and Viking Client Services, LLCs actions are in violation of the Fair Debt Collection Practices Act and other relevant consumer protection laws. I would appreciate it if the Consumer Financial Protection Bureau could investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their illegal and unethical behavior. 

Please find attached all relevant documentation, including my bank 's letter stating that the disputed charge was reversed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX PL XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XX/XX/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 2023-03-18
Company: EQUIFAX, INC.
State: OR
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:
On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: SUNCOAST CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was sold, legally paid in full for less then full amount. There for im not responsible for this-my information was sold including my social security number which is a violation code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing this dispute report in regards to all my student loan partial accounts XXXX I have been receiving loans since XXXX, and I am currently enrolled in a XXXX XXXX My payments for the loans are scheduled to start in XX/XX/XXXX. 

Upon reviewing my account activity, I noticed that there are negative activities that have been reported on my account. I believe that these activities are inaccurate and should be removed from my account. The negative activities include missed payments and late payments, which I do not believe are accurate. 

I believe that these negative activities may have been the result of an error on the part of the loan servicer or a reporting agency. I would appreciate it if you could investigate this matter and correct any inaccuracies that may be present on my account. 

I would like to request that the negative activities be removed from my account, as they are not accurate and do not reflect my payment history. 

Thank you for your time and attention to this matter. I look forward to hearing back from you regarding the outcome of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday XX/XX/2023, I received two phone calls from XXXX which I first XXXX  before answering. This phone number belongs to the Chase Branch located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I have screenshots of the incoming calls as well as XXXX  page that shows this number belongs to this branch. I only answered the call due to thinking it would be a Chase representative. A woman representing the organization proceeded to tell me that they were alerted regarding some fraudulent activity on my account. How would I have known to think any different when NOTHING like this has ever happened to me, coupled with the fact that the phone number proved to be a legit branch of Chases? She proceeded to tell me that she would need to shut my debit card off and asked me to write down a new temporary PIN that she would be issuing to me, at which time I did. She stated that Chase would be expediting my new card in the mail ( 2-5 business days ) and when I received it I would need to go to an ATM and upon inserting the card would be prompted to create a new permanent PIN number and that for security reasons I could never use my existing PIN again and requested I give her my PIN to enter into Chases system to ensure it couldnt be used in the future. Without knowing, my information had already been compromised. She had my full debit card number ( without me telling her this ), name and phone number which I can not figure out how this happened. She knew she only needed to coerce my PIN out of me to steal from me, which she successfully did. She knew what to say, when to say and how to say it to get me to believe her. My card was then manually entered into someone elses phones XXXX XXXX and a man went to 2 local branches and withdrew {$4400.00} in cash from my account over 3 days. Chase bank did not try to contact me once regarding my account activity. Being a customer of over 17 years, you'd think they'd realize that proven my history I've never done such a thing. I didnt think to check my bank account any sooner as I was completely under the impression that my card was shut off. They conveniently withdrew amounts under my alert setting, which was anything greater than {$120.00}, so I wouldnt be notified about these ATM withdrawals. I have filed a police report, filed a XXXX  complaint, contacted my local news help line and put a fraud alert on my identity with all credit bureaus. We are only human, we make mistakes. Chase needs to show some support to their long-time loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings 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:
I've had my savings account with Citizens Bank since XXXX  with {$200.00} in it, and it was fine with no maintenance fees or anything. The {$200.00} I opened the account with was fine just sitting there collecting interest every month. All of a sudden, on XXXX XXXX XXXX they charged me a {$10.00} " dormant fee '' and a {$4.00} service fee, and they did not notify me of this. They then marked my account as dormant and they have been taking {$4.00} every month since XXXX XXXX XXXX  and no longer giving me the interest on the account. They have taken a total of {$69.00} from my account since that day. I contacted them and I was told that it was an error, that the interest I was earning every month counted as " activity '' that would make the " dormant fee '' that they charged me, as well as all of the following service charges for the balance being below {$200.00}, was an error on their part. I was issued a {$14.00} refund on XX/XX/XXXX for 3 of the service charges, and I was told that I would have go wait for the manager the next day to issue me the rest. I never heard back from them, nor was I refunded all of the money that they have been wrongly taking from me. I called them today, XX/XX/XXXX, and the customer service representative said that they would not return my money. The best he could do was refund me {$35.00} of the now {$54.00} that they have wrongly taken from me. 

Are banks now just able to charge you a random fee to get you below the amount where they start charging you service fees? I opened this account on XX/XX/XXXX with {$200.00}. I have never been charged any fees for anything, as that was the minimum to wave the service fee. All of a sudden, they charge me with a {$10.00} " dormant fee '' after 3.5 years of the account just earning interest, in order to get my balance below the point where they start charging a XXXX XXXX service fee. Every where I have see, interest that you earn and that is deposited into you SAVINGS account every month is " activity '' and that was confirmed by them. So they just stole some of my money. A horrible bank. How many other people have they done this to? Their business practices need to be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
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 information incorrect

Complaint:
The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 
XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Terminated Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4600.00} Credit Limit : {$3500.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX .I was shocked to think that someone might be looking at my credit report without my permission. The Fair Credit Reporting Act makes it clear that only people with permission to view my credit report are allowed to do so, so I need you to provide proof of your purpose for viewing my credit report immediately. If you can't provide this proof, please delete any potential inquiries related with this company from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made by XXXX XXXX that I have no recollection of authorizing. 

The following are the dates and inquiries in question : XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I demand that these unauthorized inquiries be removed from my credit report immediately. I have no affiliation or business dealings with XXXX XXXX, and I have no knowledge of any credit applications made through them. 

Furthermore, I noticed that there are two inaccurate accounts listed on my credit report, one with XXXX XXXX XXXX and the other with XXXX XXXX XXXX  I was surprised to see that you were able to verify these accounts even though other bureaus have removed them due to their inaccuracy. 

The following are the account details in question : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I demand that these inaccurate accounts be deleted immediately from my credit report. 

I urge you to investigate these disputes as soon as possible and make the necessary corrections. Please inform me of the progress and outcome of your investigation. 

Sincerely, 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 explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-03-18
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I XXXX XXXX XXXX, a resident in XXXX Florida am herby filing a complaint against Upgrade a company based in the California area. several times over the past several weeks I have been contacted by this merchant in regards to account they claim I owe. I have informed them on multiple occasions due to a recent accident I have unable to communicate by phone. I have also told them to STOP CALLING ME AND EMAILING ME. They have failed to listen. 

I am protected under ADA and have asked for them to communicate by email With my issue. They once replied said there nothing they can do under AFTER XX/XX/XXXX, but then just got another email. 

I ASK THE STATE OF FLORIDA ALONG WITH OTHER Jurisdictions get involved to assist me. I dont want anyone else having my medical issues along with the apparent debt to be harassed like I have. 

I have also used the XXXX and other agency to try to get helped but they didnt help ( upgrade ) You can contact me at ( XXXX ) XXXX or by the address listed Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Back in 2021 mortgage company was saying they didn't receive my payment from Wells Fargo but since then I had to open up another account thinking it was fraud.. But find out later it was due to Wells Fargo fraudulent charges almost went into foreclosure

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 Kohls, Capital One, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX 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. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX days.

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