BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Hello Digit, LLC
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I canceled my digit.co account in XXXX but they have continued withdrawing funds from my account. I contacted them to make sure I didn't have a second account, and they said the account holder 's information did not match the information on my drivers license and bank account statement. My wife does not have a digit account either. They then refused to work with me to prevent the continued theft of funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Thomas George Associates, Ltd.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received multiple letters of contact within a weekly bases concerning a debt. I am currently going through a financial hardship and is getting harassed by Thomas George Associates to acquire a debt that I am currently in no position to make payments on. The frequency of contact by phone and mail is overbearing and well within the limitation of harassment, the quality of expression of words making financial threats towards me, Including the methods of contact outside of the legal business hours of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$520.00} XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX XXXX XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an Amazon Visa credit card through JP Morgan Chase. On XXXX XXXX XXXX I purchased through Amazon, a desk chair in the amount of {$76.00} using Amazon 's promotional financing, which was six equal monthly payments with, 0 % interest. 
On XXXX XXXX XXXX I made a purchase thru Amazon in the amount of {$31.00} and on XXXX XXXX XXXX another purchase thru Amazon in the amount of {$16.00}. On XXXX XXXX XXXX due to a problem with a late delivery from the previus month, I received a criedit of {$16.00} and on XXXX XXXX XXXX another credit of {$15.00} for another delivery issue from the prior month. 
When I made my payment in XXXX, I applied the two credits against the purchases made on XXXX XXXX and XXXX XXXX and paid the difference, plus {$12.00} XXXX XXXX of the promotional balance of {$76.00}. ). When I received my statement dated XXXX XXXX XXXX there was an interest charge of {$.00}. What Chase did was apply the two credits of {$16.00} and {$15.00}, plus my 5 % redemption credits of {$1.00} against the promotional balance .This misapplication of the credits resulted in the interest charge, as the bank said I did not pay my monthly purchases in full.It also negates Amazon 's promotional financing statement of six months to pay with no interest because the bank says my promotional balace, as of XXXX XXXX, is {$17.00}. This misapplication of the credits means the bank can fraudently charge customers interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Truist Bank regarding an issue I raised, without ever receiving a response to my inquiry. 

Please see the attached PDF file containing all relevant documents and evidence.

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 2023-06-26
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:
Good evening, the entire month of XXXX, Ive made multiple payments to bills and transactions. I pulled out money from my check to cover the funds but checks were being withheld. Purchase I made and went through were process and money was taken out and put back in. I again took out money from my check to cover my car other transactions in the middle of XXXX and my purchases were made and processed. When I checked back I received overdraft fees, insufficient funds and the funds being taken out again after they were being processed. I made a car payment when I received my full check the week after. And when I made my payments after receiving a notification of a deposit into my bank account of XXXX dollars. They withheld my check and my account was brought down to XXXX dollars the following XXXX days. When contacting Wells Fargo their representative reassured me I was not going to fall under any withdrawals nor do I have to worry about insufficient fund notifications. The days following I went into overdraft fees and insufficient funds once again. When contacting them again they told me that no, the representative had miscalculated. I explained that this couldnt have happened because I also calculated the purchases then she began to tried to explain charges that were brought up in the previous conversation as still being processed I explained to them that no those purchases were already in the previous conversation. She also told me I went negative because of a transaction that was already taken out of my account for XXXX today I got a notification that I had a charge for XXXX and the funds were insufficient, i put in money to cover the overdraft fees that I had occurred but still got this notification. I told them Im being charged double my purchase and 30 % more of my purchases because they are constantly over drafting me on purpose and they explained that this wasnt the case. I also told her that XXXX dollars were transferred from my credit card to my bank account to pay for these overdraft fees but the bank still double charges the purchases today the XXXX was charged for insufficient funds purchase was made 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 2023-04-22
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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 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 explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute regarding several violations I have identified on my credit report. I am seeking your assistance in addressing these violations and enforcing my legal rights under applicable consumer protection laws. The violations pertain to the following accounts : XXXX. XXXX XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

XXXX. XXXX Account Number : XXXX Violations : - Incorrect high balance - Inaccurate date of last activity - Reporting reaged accounts - Reinsertion without proper notice - Undated late pay - Charge off listed as open - Collection account with a limit Violations : These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Fair and Accurate Credit Transactions Act ( FACTA ), including sections 605B, 611, 623, and 807. 

XXXX. Personal Information Error Also Known As : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Violation : Reporting incorrect personal information in violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ). 

XXXX. XXXX XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent in violation of the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( F ). 

These violations have had a profound impact on my life. The inaccuracies and unauthorized inquiries have created significant stress and financial uncertainty. For example, my pursuit of housing has been hindered by these inaccuracies, causing me to miss out on housing opportunities that could have greatly improved my living conditions. Additionally, the emotional toll of constantly battling these inaccuracies has taken a toll on my mental well-being, affecting my ability to focus on my responsibilities. 

I kindly request that the aforementioned creditors be required to remove these unverified accounts from my credit report in accordance with the applicable laws. Your intervention is crucial in rectifying this situation and ensuring that my consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a prompt resolution that restores accuracy and fairness to my credit report. 

Sincerely, 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 2020-04-01
Company: EQUIFAX, 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
my first attempt was on XXXX and the second attempt was on XXXX and the credit bureaus did nothing but say my information was verified. There are accounts reporting inaccurate across all 3 credit bureaus on my consumer report. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit. This has caused me financial injury and defamation of character.

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 2023-04-22
Company: Chime Financial Inc
State: OH
Product: Credit reporting, credit repair services, 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:
hello good day from pulling my credit report I notice that their are Multiple Inquires on my credit report. 
XXXX XXXX XXXX INQUIRED XXXX XXXX INQUIRED XXXX XXXX INQUIRED XXXX XXXX XXXX INQUIRED CHIME 48 INQUIRED Now I'm just finding out about the multiple Credit Inquires on my Credit Report This is the Reason my Credit Score has not changed the company involved did not get my PREMITTION TO DO THIS. 
This has to cleared up Immediately and be Compensated for my LOST due to the company 's Lack of Common Laws of the People for the People not Credit company 's this has been going on for over THREE Years NOW???

The Law Clearly States 1681A, 16814B, 15USC1681N My Rights have been Violated as a US Citizen. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: LTD Financial Services, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my case number : " XXXX '', the creditor said the debt was removed from my credit reports. 

The debt is still being reported by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: LEXISNEXIS
State: IL
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 have 3 bankruptcies on my credit report and over 115 inquiries on each report due to identify theft. 
XXXXXXXX XXXX XXXX LexisNexis and l i, i did not disclose any personal information to these companies for any reason, nor did the bankruptcy court or my attorney. We sent letters of expungement from the courts on XX/XX/2023 for them to be taken of my credit report all companies have failed to do so. They are violating my rights as a consumer, And under FCRA. Can you someone please reach out to these companies XXXX XXXX LexisNexis XXXX XXXX And have them to remove all 3 bankruptcies off of my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
I was contacted by XXXX XXXX XXXX, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX   Equifax XXXX XXXX Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.

Company response to consumer: Closed with explanation