BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: Chime Financial Inc
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I decided I wanted to try to get XXXX internet. The technicians that came couldn't install the internet on top of destroying my neighbor 's landscaping and I called and told them that based on that experience I didn't want anything to do with their internet company and canceled it. However on XX/XX/XXXX I woke up and saw I had a {$210.00} charge on my credit account for chime Bank. I never gave them my credit card information I didn't even have that card at the time. Not to mention it was pulled XX/XX/XXXX when I canceled my service XX/XX/XXXX. Not only did I never give them the authorization for this card they just charged it out of the blue over a month later. I was told the resolution took 10 to 20 days on XX/XX/XXXX and now here we are XX/XX/XXXX and I'm told now it could possibly take till XX/XX/XXXX. I can not wait for my money to come back that long and I'm hoping you can help get some kind of resolution for me. My claim number for this is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. Let me be unequivocally clear : I will not tolerate this unacceptable level of apathy. As a victim of identity theft, I have suffered immeasurable damage to my financial stability and emotional well-being. The consequences of your inaction are not confined to paperwork and reports ; they permeate every aspect of my life. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have been fighting this identity cases for a couple years now these accounts are fraudulent if there not removed I will have no other choice but to file for witful noncompliance and seek litigation

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXXXXXX, yet XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXXXXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.

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: Experian Information Solutions Inc.
State: TX
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 great concern regarding fraudulent items associated with my account. Despite my previous attempts to address this issue, it regrettably persists. 

I initially reported this matter and despite your team 's efforts, the fraudulent items remain unresolved. This situation is causing me significant distress, and the lack of a resolution is impacting my trust in your services. 

I kindly request the following actions be taken urgently : Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. 

Provide me with a detailed update on the ongoing investigation into the origins and nature of the fraudulent activities, including any new findings since my initial complaint. 

Enhance communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to avoid any future unauthorized access or activities. 

I understand the complexities involved in addressing such matters, but I emphasize the importance of a swift and effective resolution 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by erroneous rep who had hijacked a friends XXXX page. I dialoged with the erson under the guise of disguising she was My friend and introduced herself to me. Make an investment for a profit. After discussion and asking question abt the program I sent an initial XXXX  transaction of XXXX dollars. Then I was told there was a XXXX fee. I balked at that point but she said bcuz she did not relay the info she would pay XXXX of the fee. She then sent a website with an account page made for me with a XXXX profit. But I couldn't withdraw until paying the fee. So in all 3 XXXX pmts of XXXX each were sent to XXXX ( XXXX XXXX ) who was her manager. Whom she said she didn't want to get fired for not telling me abt the fee. After the last transaction I asked for the withdrawal and kept getting excuses. At that point I said I was going to contact my bank. She stopped communication. 
The company was supposed farm mining cloud and their were names of3men to contact via email which I did but didn't get any answers. 
I contacted Bank of America a d reported it. I received a secure letter from BOA stating they couldnt/would n't help me. They said they would contact the institution w/ the XXXX recipient Institution. They basically said it seemed futile and would take XXXX XXXX possible days. 
I am retired and on social security. This Was my savings. I felt and feel defeated and a fool. PLEASE 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 explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

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 2022-03-23
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 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 explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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.

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 2018-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Citizens Bank allowed approximately {$3000.00} to be deducted from my bank account between XXXX and XX/XX/2017. The money was pulled by XXXX XXXX daily. Citizens would not provide the documentation needed to recover the unauthorized funds, which led to hardship. Banks need to be watchful of excessive activity on an account that is out of line with prior activity. Daily ACH pulls in the amounts of {$75.00} to {$100.00} should be a red flag for a bank. Other banks will notify customers if they see excessive activity on an account. My property is now going into foreclosure because I can't recover the money. While Citizens isn't responsible for the activity, they are responsible for alerting their customers when activity on an account is excessive. I have provided them extensive documentation on why the activity was fraudulent, including phone records from various states and calls made at 3 or 4 in the morning. The bank has taken a very passive approach to this information, closed my account, and has ignored the documentation. FDIC insurance is null in this case. If someone were to come into the bank and steal from the account that's considered serious. Because it was done by phone and computer, the bank is not acknowledging any problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Fidelity National Financial, Inc
State: WA
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX I attempted to access the online payment portal to view the due date for my mortgage payment. The website was not loading, and I tried opening it on multiple different browsers. I tried again the next day and had the same issues. I tried again on XX/XX/XXXX and decided to email the company 's ( XXXX ) customer support. I received an automated email back that said : " No-reply response This email is longer being monitored. If you are a customer, please log into our website and submit you request using self-service options. The website was still inoperable, and I had no other way to contact the company as it was now outside their business hours. The next day XX/XX/XXXX, I researched online to find that MANY people are experiencing issues with their website and unable to pay their mortgages on time. I have no idea when my mortgage payment is due and am unable to contact the company to get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023, I received notice from XXXX XXXX XXXXXXXX that my credit score had negatively changed. Upon receiving this notice, I reviewed my credit report and noticed that Barclays had shown me XXXX-days delinquent on XXXX of my credit cards. I then went to Barclays ' website to look at my accounts and printout any statements that could shed light on the problem. It turned out that I had made a charge on the card in the amount of {$7.00} in XXXX on an XXXX XXXX flight. However, Barclays had failed to send me any statements or provide electronic notifications. I immediately printed out the missing statements and made payment of the {$7.00} from the XXXX charge. I then contacted Barclays to address the late fees and interest. After discussing the issues, Barclays agreed to remove the late fees and interest charges. However, they wanted me to pay the {$39.00}, which would be credited back on the next statement. I explained that this seem rather unusual and a waste of everyone 's efforts. But the staffer stated it was policy. I requested to speak with a manager, who called me back the next day. After the manager 's review and based on our discussions, it was agreed that I did not need to send any money and the account would show a XXXX balance on the next statement. It was also agreed to restore my credit limit back from {$500.00} to the original {$20000.00}. I requested, and the manager agreed to work with the consumer credit reporting agencies to correct the faulty reporting, to restore my credit rating. I filed dispute notices with the agencies and got the usual response. I have tried to work with Barclays, but just get form letter. The latest letter states that Barclays will advise the consumer credit reporting agencies that I dispute the information that Barclays provided. However, they have not given any indication that the manager or anyone from Barclays is make an effort to correct the faulty reporting and get my credit rating restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: WI
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:
I wrote letters to Equifax over 2 months ago ( XX/XX/XXXX2022 ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of 2020 : {$290.00} / XXXX XXXX XXXX Professional Placement. They have not replied to me or removed items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
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:
This account belong to XXXX XXXX we have similar. My name is XXXX XXXX and this individual refuse to ask the credit bureau to insert these accounts on her credit file so my lawyer told me to file a complaint before I file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Being repeatedly charged overdraft fees for payments I actively told Wells Fargo to stop payments for, for over a year, to the ball park of {$1600.00} in overdraft fees alone.

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 2023-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Dispute Department Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Enclosed : Identity Theft Affidavit Notice to Furnishers FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-22
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$40000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Bread Financial 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:
An account was opened for XXXX without my knowledge, and later used to make a purchase ( again, without my knowledge ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ERC KEEPS CALLING MY FAMILY MEMBERS AND MY CELL NUMBER, I TOLD THEM TO STOP AND WON'T. CALLED FROM ( XXXX ) XXXX, SEE FCC COMPLIANT ATTACHED. AND INDIANA 'S ATTORNEY GENERALS DON'T CALL LIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$1500.00}.

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