BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Kindly repair or remove the following items in my file immediately for they are harming my credit. Thank you. 
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 2023-01-31
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking 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:
XX/XX/23 purchased groceries from XXXX for XXXX. 
XX/XX/23 XXXX was grocery total once picked up because they didn't have our creamer. Spoke with XXXX at XXXX on XX/XX/23 and she confirmed the XXXX was released back to our account on XX/XX/23. Chime took out the XXXX on XX/XX/23 eventhough the XXXX was already paid and released putting our account in the negative. Case XXXX XXXXXXXX through XXXX XXXX. Called them on XX/XX/23 and spoke with XXXX and she confirmed refund was processed as well. 
XX/XX/23 paid XXXX deposit to XXXX XXXX for hotel room. Spoke with XXXX at XXXX XXXX on XX/XX/23 and she confirmed the XXXX was voided and released back to our account on XX/XX/23. 
Spoke with 11 different reps at Chime on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 all confirming the money will be released in 3 to 5 days and nothing. Reps kept telling us not to worry and the funds will be back in the account as soon as the merchants release the funds, which was on XX/XX/23 and XX/XX/23 as previously mentioned. 
XX/XX/23 we closed both of our accounts. Spoke with XXXX XXXX through Chime 's support chat and closed my account and spoke with XXXX at Chime on the same day and closed my husband 's account. 

It was hard to understand names of the Chime reps because they all had strong foreign accents, but the names sounded like XXXX, XXXX, and XXXX. We were put on hold numerous times and they kept telling us the merchant has not released the funds. None of the reps or managers seemed to know what they were doing. We went to bed with a positive balance on XX/XX/23 and woke up to a huge negative balance because Chime took out the funds again after they were both released by the merchants and refused to refund the money and admit their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: AR
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 I was scammed and sent transactions to scammer XXXX account with two transitions of XXXX, XXXX in total and while it was pending, I found out that it is scammer activity then immediately report to JP Morgan Chase bank to act and try to stop the transaction. Chase bank specialist was not responsive and I was direct to different departments within the company on the phone call and what they do was nothing but just file a ticket for me in their internal system. The second day I receive letter from Chase that they will not take any actions to prevent this scam activity. I explained that I have report to police and secret service and also the transaction did not gone through so there is still time to stop this happening. However, Chase was irresponsible towards the crime happening and they kept using their XXXX transaction policy that they don't take responsibility for personal transaction. At the time the transaction was pending and could have got company 's attention by risk department. After a few days the scammer cancelled his XXXX account after withdrawn the money and Chase did not do anything in these 5 days. Unlike other banks who would do their best to prevent fraud and scam, Chase used their user policy as cover to avoid any liability. JP Morgan Chase bank 's fully despise of customer 's account protection and fraud prevention responsibility is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: CT
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 started the dispute process on XX/XX/22 and I have not received updated and the problem have not been fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted in XXXX by Amsher Debt Collection in XXXX Alabama regarding a past due bill of {$130.00} owed to XXXX XXXX XXXX. I had recently ( XX/XX/XXXX ) paid the bill IN FULL to XXXX XXXX XXXX and had the receipt in the exact amount to prove it. 

The Amsher representative told me I had to email the proof to her or it would be reported on my credit report. I did. Then, in XXXX, I received notification from my credit monitoring company that Amsher reported me as unpaid in collections. I contacted Amsher again, they said the debt was valid. 

I contacted XXXX XXXX XXXX. They confirmed the debt was paid. This has been going on for 4 months. As recently as TODAY I sent another demand to Amsher asking them to remove it the false collection account from my credit report. No response. 

XXXX XXXX XXXX has confirmed for me on several occasions since then that the debt is paid, I owe nothing, and that they have notified Amsher, yet no one from Amsher has contacted me at all, and the debt remains as a collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 started the dispute process on XX/XX/22 and I have not received updated and the problem have not been fix.

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 2022-06-05
Company: CITIBANK, N.A.
State: CO
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:
I made a purchase for XXXX XXXX which I never received the product. I filed a dispute with Citi and was never refunded.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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  Balance Owed XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.

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 2023-01-17
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a request for a XXXX XXXX consumer disclosure report and received in the mail a web address and a pin to view/download a report. When I entered the pin, it stated that " we were not able to validate that pin please try again ''. I called the phone number on the website, XXXX which stated that " if you are not able to validate your pin or your pin is expired please call the LEXIS-NEXIS consumer center ''. When I called the phone number I got a menu that did not include allowing me to access my consumer disclosure report or did allow me to speak to a human, but it did allow me to request a another report which I did. I was also able to send an email requesting access to my consumer disclosure report stating the problem that I was having and received a case reference number XXXX. I received an email back that they would respond within XXXX hours on XX/XX/2023, but I have received no assistance in my valid claim for the consumer disclosure report. 

I received another letter in the mail with a web address and a pin and I repeated the exact process in paragraph 1 above. The new case reference number from the email is XXXX, but still no answer after another 48 hours. 

Could you please assist me with receiving a LEXIS-NEXIS consumer disclosure report? 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Was contacted by JPMorgan Chase bank fraud department on XX/XX/2022 from XXXX stating I had fictitious charges which were on our account, they also stated that there was a wire transfer that was scheduled for XXXX that day for {$40000.00} and I needed to initiate a wire reversal to stop this transfer, well needless to say that day the money was transferred out of our business account, and on the following weeks a fraud case was opened by chase, the results came back as my fault according to chase I initiated the transfer according to them this being the wire reversal transfer, now we are out our {$40000.00} Im not sure where to go or legal action I need to take, I can get all phone transcripts from XXXX XXXX but XXXX states they would cooperate with me fully but would require a court order to obtain, Chase never did send me their final report, this is for Chase business account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX XX/XX/, I called chase to check the status of a deposit for the 3rd time. All the previous calls i was told different answers and was given no concrete idea of what was happening with my XXXX check. Finally after to speaking to a supervisor i was told they check would be held fro 10 days and there was nothing they could do it was company policy. The check was coming from a insurance company and wells fargo. I then asked to speak to her supervisor and was told i would have to wait 2 business days for that supervisor to get back to me. Chase is MY bank and has been for years but is dong nothing to help me and i have never heard a company ever just speak more company line jargon to avoid fixing a problem and they fact that 2 different representatives gave wrong information yet there is not any accountability is just absurd. The only person that is suffering here si me as my money is being held hostge by chase and they have no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: GA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened in my name fraudulently on XX/XX/2022. I am frustrated that Bank of America allowed this credit card to be opened fraudulently without any confirmation of my ID.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Several months ago my wife and I purchased a vehicle and paid cash. As part of the transaction a credit check was done, although unnecessary since we were paying cash. But the score came back far less than what we expected. Experian, a well know reporting agency, offered a look into our report for negative things that might be impacting our credit score so we opted to sign-up to have a look. 
We were instantly bombarded with emails from Experian, advertising on things from how to boost our score or protect our credit. So much so that after a couple of weeks I decided to withdraw my " membership '' and asked to cancel any further communication. But they were relentless. Even though they sent me acknowledgements of my opting out the emails continued and my responses became more demanding. In XXXX I was totally exasperated and sent the following in an email, " STOP, REMOVE, CEASE, DESIST and QUIT sending me anything UNSUBSCRIBE me from all. If this message doesnt get through to you and work this time I will start filing complaints at the state and federal level '' ( sent XX/XX/XXXX ) Their acknowledgement was, " You're now unsubscribed, XXXX If you change your mind, tap here to customize your preferences so you only receive emails about the stuff youre interested in. 
Just a note that youll still get notifications any time your credit or identity info changes, since automatic updates are a part of your membership benefits. 
Still have questions? Please visit the Experian help center for additional questions. '' ( received XX/XX/XXXX ) However the emails just kept coming, despite my warnings that I would report this. I can not get this company to remove me from their database and this is now beyond harassment. My latest response to their email advertising on XX/XX/XXXX was, " On XX/XX/XXXX you assured me I was unsubscribed in an email, now this email, more than a week later. Are you people just idiots or what? Next thing will be a litigation against you to compel you to stop. THIS IS HARRASSMENT! " ( sent XX/XX/XXXX ) When an agency such as this disregards the law and continues to send countless emails what other protections are available besides litigation and complaints? Their reckless disregard for privacy is apparent. 
I have quite a number of emails that I would be willing to share, which clearly show a pattern of abuse by this company.

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