BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My nonpublic personal information has been compromised, shared with and used by credit reporting agencies without my consent or authorization. I checked my credit report and identified several fraudulent transactions that do not relate to me. No person should be using any of my information without my consent. Utilizing and sharing my information without my consent identity theft and invasion of privacy. Since then my personal information has been compromised and even spread to the dark web and other places. This has caused issues with my finances and even at my workplace.

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 2021-04-06
Company: The Best Service Co.,Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed the account in XX/XX/XXXX. XXXX checks tried to be cashed in XX/XX/XXXX. 
I was never contacted by the bank. My first knowledge was phone calls from Best Service Company. I immediately contacted the bank and was told about the XXXX checks. I ask that they verify that they actually paid the checks. The next day I received conformation the bank has paid the checks and debited my account which had caused an overdraft. I sent the bank funds immediately to cover the overdraft which the acknowledged. They also said they contacted Best Service Company to stop calling and threating me to put derogatory credit information on my credit reports. I am still receiving calls from them. 

Another strange thing is when Best  would call they gave me a phone number to call back, When I would call back they would not talk to me about the problem with out me giving them my SS number, which I never give out over the phone. Giving them their own reference number was not an option.

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 2022-10-27
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
SR # XXXX complaint against XXXX  followed by Multiple charges with XXXX company states us treasury closed the card due to fraud alert customer can not get XXXX us live support difficult to resolve with language barrier direct Express forced beneficiary to purchase new card new xard comes with minimal balance does not have details of XXXX us dollars XXXX dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NJ
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. 


Account name : XXXX Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Affirm Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My account was charged for an automated fee from Affirm fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called Affirm report the issue and they could not reverse the payments. I called again in XXXX informing them that payments were still no adjusted! They knew about the issue and did not make adjustments! 
I called in XXXX XXXX XXXX XXXX  due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. Affirm sent a letter out late on XXXX confirming the problem but said it would take 3-8 days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX, XXXX installed an alarm for me. I was dissatisfy with the result and service and equipments were returned as instructed. They claimed the never receive it and demanded payments. Because I was going through so much with my husband who undergone a XXXX XXXX followed by a XXXX, I didn't follow through and allowed them to get payments. I was dealing with too much. XX/XX/XXXX, I received an email stating that there was a missed payment. It was because the card was lost and account had changed. I called and provided them a new card along with the balance which I will attach the email. I was told they will send me a paid receipt which I never received. Instead, they sold my account to a third party who placed the account for collection. And, they are asking for more than what the alarm original cost. Now, not only I never received the service from XXXX, returned their equipment, paid them in full. Now, they got money from another company and allow them to come after me for the full amount again. That's in sane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
TransUnion has listed my XXXX balance as {$580.00} for the last 3 months in a row. I have disputed this now XXXX  months in a row and they are still unable to get it correct, regardless of the other two credit reporting bureaus ability to get it correct. My balance currently is {$150.00}.

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 2021-05-05
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: Account information incorrect

Complaint:
I opened an account with Credit Strong in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.

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 2023-01-14
Company: AFNI 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 status incorrect

Complaint:
AFNI intentionally tried to lower my credit score. The third-party agency posted a negative mark on my credit report. First, my name on the bill is not correct, this account does not belong to this agency. They purchase debts from other businesses and claim I owe the money to them. They show proof of a telephone bill that can be obtained anywhere and I think by not validating the debt is a violation of the credit report fair act. I attempt to resolve this issue but they are refusing to comply. This agency is violating the act in many levels and I a demanding from they to delete this mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe the email I got is a phishing scam. I don't use a Chase card. 

From : J.P. Morgan Online XXXX Sent : Sunday, XX/XX/2021 XXXX XXXX To : Subject : Re : Summary statement alert code - XXXX Chase Logo Dear Chase member, We recently detected unusual activity on your JPMorgan chase online banking account. 
Unfortunately, we had to suspend your online banking to ensure the safety of your account. 
This suspension is temporary. We will need some additional information to verify your identity. 
Please visit chase.com/update or visit the verification form to complete your identity verification and regain online access. 

chase.com/update Sincerely, Customer Service. 
Chase Logo 2021 JPMorgan Chase & Co .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made XXXX deposit and PNC sent me a email saying that the fund would be on hold until XX/XX/XXXX then on XX/XX/XXXX I received emails saying the funds were released and until today the funds are NOT released and no one could tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: MOHELA
State: CA
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 notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from MOHLEA that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX 

I reached out to XXXX and XXXX. XXXX was corrected. XXXX has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on XXXX XXXXXX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including 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 2021-04-06
Company: Webcollex, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In SXXXX/XX/XX/2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXX XXXX XXXX opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to CKS Financial which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by CKS that the account has now been sent to another collection company named XX/XX/XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX  and I have to call them to handle it. I am so tired of the run around!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an email on XXXX stating that my Chime checking account was placed on hold. I emailed that back a couple of days later to see what I needed to provide to get my account unlocked. I didn't receive an email back till almost a week later asking for documents like proof of address, ID and statement for the incoming deposits. I get direct deposit from my employer into my account as well as my XXXX that I have open as well. I also get deposits from friends and families when they XXXX XXXX me. I provided all documents Chime had requested. I kept getting the same email over and over asking for the same documents and that they're sorry they couldn't complete the verification. I have called customer support and all they could do for me is " escalate '' the ticket and to wait 24 hours. I have given them plenty of time to verify my identity. I have rent this week and my employer had already submitted payroll this Wednesday so I was not able to cancel my direct deposit for this payroll. She had also messaged me this morning and told me that the direct deposit went through when the representative I spoke to at Chime said that " Since your account is on hold, any incoming deposits will be returned to the issuer in 1-3 days. ". Then why did my employer say it went through? I'm highly dissatisfied with Chime and their customer support. I can't access my funds I've worked for to pay for rent and will be evicted soon if I do not pay. How can I do that if my funds are stuck in an account that Chime refuses to unlock even though I've given the proper documents they've asked for. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Bread Financial Holdings, Inc.
State: NY
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 got a comenity bank Victoria secret card in XX/XX/XXXX I started off with a {$300.00} credit limit. When I got the card I didnt use it. Therefore, I wasnt sent a due date anything etc I used it for the first time in XX/XX/XXXX. I had been paying on it and noticed a credit decrease of {$50.00}. It didnt alarm me but then I recently got a comenity letter of change XX/XX/XXXX stating my new amount is {$200.00}. I believe its due to none activity which this has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear CFPB, Re : Attached 1099-A Form From BSI Financial Services which appears to have been sent to us in error. 

Why did BSI Financial Services send this 1099-A to us? 

We have never had any dealings with BSI Financial Services> Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX XXXX : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX XXXX : {$530.00}

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 non-monetary relief
Consumer complaint received 2023-09-10
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I filed a complaint with cfpb about Allys action. The next step as retaliation from Ally was to still attack my credit score.This company has been paid in full Im not sure why Im still having issues with this company Please help me remove this company off my credit report please this is a complete nightmare. Please help me! My credit score is being lowered for no reason.

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