BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
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:
I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of multiple inquiries that I did not authorize. They are as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX   XX/XX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX 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 2023-09-05
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX I received two emails back to back stating that I had successfully sent transactions through my chime account. One for {$1900.00} dollars to someone named XXXX XXXX and another transaction for {$880.00} dollars to XXXX XXXX both transactions say they were for my daughter which she did not receive, due to fraudulent activities on her XXXX account linking to her bank. I did not authorize these following transactions and I have reached out to chime with no results. I was told my claim would be reviewed then within 24 hours I was told it was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled an account with the original creditor, XXXX XXXX XXXX. This account is paid, settled and closed. However, the collection agency, The Bureau, continues to report to the credit bureaus that the full amount is still owing. This means I would have to pay this debt twice. According to the FCRA, consumers do not pay a debt to the original creditor and the collection agency. I have contacted the collection agency to no avail to resolve the false reporting. The original creditor had to option as indicated in my letter to decline my settlement offer and refer me back to the collection agency, The Bureaus. but XXXX XXXX accepted my settlement offer. According to The Bureaus reporting I still owe a debt that has been settled with the original creditor. This is false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-12-26
Company: SANTANDER HOLDINGS USA, 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:
Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday XX/XX/XXXX at approximately XXXX and on Monday XX/XX/XXXX at approximately XXXX, {$300.00} was fraudulently withdrawn from my checking account via ATM withdrawal. This was not an authorized withdrawal and I do not know the person who did this nor how they acquired my PIN nor card. The card was in my wallet in my vehicle at the time. It was impossible that it was me who did this as I was working Monday during the time it occurred and the ATM video records proves it was not me, as evidenced by the police report I filed which reference said tapes. The bank in question ( Chase ) in spite of all this evidence, still refused to acknowledge that this was fraud and denied me my money which was stolen from me in the order of {$600.00} ; 2 withdrawals of {$300.00}. Is there anything the CFPB can do to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX at aprox XXXX i deposited {$800.00} into the atm at regions bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX the deposit never went thru and the atm took {$400.00} & spit out the remaing {$400.00}. i called the XXXX number on the back of the card and filed a dispute as soon as it happened. they credit my account for the {$400.00} but after the investigation the bank claims the atm was in balance and decided to take the {$400.00} back. i called the bank and spoke to XXXX the branch XXXX and asked her to write a ticket for the surveillance camera from the atm to be reviewed so she can clearly see me trying to grab my money and if the canera has speakers u can hear the atm gargaling the rest of the money. also you can clearly seeanother car comes behind me like XXXX min later and do something fishy as if there was a credit card scimmer installed there. but she claimed nothing could be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 did everything by the book, and I paid off a default judgment to the law firm that the judgment applied to. XXXX XXXX XXXX agreed to make sure the satisfaction of judgment was filed, and to remove the account from all credit bureaus. To date XXXX XXXX XXXX has not applied fair process on this matter, and I ask the credit reporting agencies to get involved. Thank you. 

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 2023-04-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo shipped my card out, and I explained to them that I had lost my wallet with my debit card and that I hadnt even used the actual debit card yet, I use mobile tap. I had over XXXX dollars stolen from my account. I immediately disputed those unauthorized atm transactions. I also received numerous of emails on that day saying that more money was trying to be taken out but It declined. I also told them I believed that my account has been entered by someone without my permission because there were changes to my account that I did not make. They told me to change my password and I did but yet nothing had changed. Wells Fargo was responsible for moving money from my savings to my checking account randomly and its happened a couple of times. And then I would be charged by something, either a fee or a subscription. 
On XX/XX/2023, XXXX $ was taken out of my account piece by piece at an atm. By time I noticed, I locked my card but my money was already gone. What did they do? Nothing. They say they investigated it in XXXX business days but really they do absolutely nothing and just wait until a day or XXXX before the XXXX day to tell you your claim is denied because they are the most absolutely worse bank there is and they dont care about there customers!

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 2019-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I visited XXXX XXXX  on XX/XX/XXXX to order this year 's free credit reports. As was the case last year, all reports requested were received w/o incident except for Experian. As such, CFPB Complaint #  XXXX was filed on XX/XX/XXXX. Although Experian promised to mail the requested report in its XX/XX/XXXX response, I'm yet to receive it. 

Since my XX/XX/XXXX online request for my Experian Credit Report involved many of the same problems documented in the above CFPB Complaint, it looks as if Experian has done little to address the them. Although successful in ordering the report via telephone, I'm also yet to receive my XXXX free annual credit report from Experian. 

As such, I pray that the CPFP will refrain from Closing this complaint w/o proper follow up and/or confirmation that the requested credit report has been received.

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 2023-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company keep putting different dates of the last payment received dating all the way to XX/XX/XXXX. I was not a joint applicant.experienced identity theft. States XXXX is owed on auto loan. Initial date of auto loan states XX/XX/XXXX. Action that was taken was a repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and XXXX XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.

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 2023-03-02
Company: American Cycle Finance, Inc.
State: TX
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:
American cycle finance inc agreed in their privacy agreement that they would not report my nonpublic personal information to any non affiliates which are also Third parties, my XXXX consumer report show that American Cycle Finance Inc is reporting my non public personal information which is also breach of contracts.

American Cycle Finance Inc is also infringing on my rights to privacy pursuant to the privacy of act of 1974 5 u.s.c 552a & 20 CFR 401.25 which states the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education financial transactions, medical history and criminal or employment history and that contains his name, or the identify number symbol, or other identifying particular assigned to the individual, such as a finger print or voice print or a photograph ; The Gramm-Leach Bliley-Act states I have a right to not have my nonpublic personal information shared especially resulting from transactions such as payment history ( late payments ) pursuant to 15 U.S.C 6809 ( 4 ) ( A ), 16 CFR 313.3 & 16 CFR 313.7 American Cycle Finance Inc has cause me financial injuries making hard me to obtain credit for personal family and household use ruined my reputation & character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received an email from Caine-Weiner saying that I owe them {$150.00} for a debt that is 'past due ' I tried to let them know that I am not a member of this business and that I do not have any legal rights to this company, they might be contacting the wrong person. I asked for some information about the debt, any kind of media or anything that I can use to verify if this is in fact my responsibility. After this request, another lady, XXXX XXXX replied to me telling me " The Secretary of State website is still showing this business as active and therefore the amount owing is valid '' I told her that I don't think it works like that, she sent me a screen shot of the Secretary of States website as proof that I owe this debt. again.. I dont think that is right. 

XXXX XXXX started to fight with me over email, sending many emails to me. She told me " As a collection agency we do not have to provide you with proof of debt '' Again, I dont think this is right either.

This company has called my phone no less then 10 times yesterday and again today. they will not provide me with any information that I can use to verify that this debt is real and at this point they are harassing me about a debt that they will not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX credit card ( chase ) was close because of a late payment, I would to see if I can open this card again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Personal information incorrect

Complaint:
Personal information NAME Wrong names associated with my credit report ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX GENERATIONAL IDENTIFIER Address never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Never worked at XXXX XXXX CENTS ONLY

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 2021-07-17
Company: BARCLAYS BANK DELAWARE
State: MD
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-01-04
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/18, I received 2 small packages in boxes from " XXXX XXXX '' each containing a gold-looking cross and a statement showing the value of each cross to be {$170.00}. The problem is, I did not order the crosses, nor, have I ever done any business with any XXXX XXXX company. 

I was actually away on vacation when the packages arrived and my mail was on hold. When the held mail was delivered, there were two letters dated XX/XX/18 thanking me for my order and informing me that they could not process the order without advance remittance. However, the dollar amounts were different on each invoice ... one was for XXXX ( which was the price of the cross on the order form ) and one was for {$240.00}, which I have no idea what that is about. I also received another letter dated XX/XX/18 with the same verbiage, however, that letter was referencing a charge of {$400.00} for some other apparent merchandise which I did not order, nor, did I receive a package! 

On XX/XX/18, the day I returned home, I called the customer service number on the order slip and spoke to " XXXX '', explaining that there has been a mistake because I did not open an account with XXXX XXXX or order these items. He stated he was submitting a report to the company Fraud Dept and I would receive instructions about returning the products within 7 days. 

I have e-mailed the customer service for both XXXX XXXX and XXXX XXXX and have not received any information from either company.

Company response to consumer: Closed with explanation