BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/21 I received a stimulus check on my american express serve card. On XX/XX/21 I went to try and withdraw money from my card and was denied. Went into a grocery store and was denied too. Called the customer support number and they automated system said my account was locked. Every time I call them I can't get through to someone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I left some information in a house I moved out of and after that I was a victim of Identity Theft. The accounts listed below are a direct result of the Identity Theft. I have disputed this with all three credit bureaus several times and included a copy of the ID theft report and police report number and the items still have not been removed. 

XXXX XXXX XXXX Account XXXX Bankruptcy Chapter XXXX XXXX Affirm Inc.- Account XXXX Affirm Inc-Account XXXX Affirm XXXX Account XXXX Affirm Inc.-Account XXXX Affirm XXXX XXXX Affirm XXXX Account XXXX XXXX XXXXXXXX XXXX-Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NO CONTRACT WITH ANY OF THE CREDITORS I AM DISPUTING, NOR HAVE I EVER HAD A CONTRACT WITH ANY OF THE CREDITORS OR THIRD PARTY CREDITORS IN WHICH I AM DISPUTING ON MY CREDIT REPORT ; AND AM REQUESTING THAT EACH REPORTED ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS INCLUDING : XXXX, XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitting 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 the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
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 dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Incorrect information on 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First, no one from Nelnet has responded to me in months, including requests on whether my information was part of the data breach. 

Second, my SAVE application was processed and completed on XX/XX/23 ( before interest restarted ). Despite this, Nelnet is still " processing '' my application, causing my account to accrue thousands of dollars of interest. I have followed up multiple times for an update over 2 months and received an automated email that Nelnet would not be answering emails due to large volume. 

Third, the statements Nelnet provided me is missing more than {$50000.00} of my unpaid loans. For this particular issue, I have spent XXXX hours on hold waiting for someone to answer their call center line. Nelnet is a scam and has repeated predatory behavior against borrowers, including sending me statements claiming that my outstanding amount owed is {$58.00}, XXXX and not my actual amount owed of {$120000.00}, despite my numerous follow ups to confirm. In addition to stating an incorrect amount, this statement also states incorrect interest rates on the loans it does list ( which are fixed rates ) and incorrect and inconsistent interest calculations. 

This company needs to be held responsible for their unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00},

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 2021-03-14
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have a complaint for transferwise now the company change the name to wise.com i just try to send money to XXXX from my card i m not XXXX much rich person wise company will deduct payment from my card n from.the bank but they will not transferring the payment to XXXX and the shocked thing he will destroy my account automatically i just receive a mail your email address is change either i m not changing my email now i try to login but app show me email password wrong pls kindly call me.whenever you have the solution and transfer wise does not have the customer service or any helpine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, account XXXXXXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: AES/PHEAA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is regarding my applciaiton for Public Service Loan Forgiveness ( PSLF ). I have spoken with FedLoans and submitted Employment verification several times for my employment but they consistently do not update the information. 

In addition, they do not contact me saying there is a problem -- if any -- with my employment verification. 

I stay on the phone for hours, get a nice and helpful representative, resubmit my employment verification, they find something wrong w/ it, lose it, or ignore it, and then I am again left in limbo. 

It almost seems like they are stalling until the XXXX XXXX  deadline? Perhaps that way they don't have to forgive any of my loans? 

I worked XXXX XXXX XXXX for 12 years and 7 years XXXX XXXX XXXX XXXX XXXXI have been paying on these loans since 1989 with periods of forbearance ( I also was never told I could make a nominal payment that would count toward my PSLF ). 

When I started in 1989 I owed {$42000.00}. I now owe {$50000.00} THIRTY THREE YEARS later!! 

Please help, I am crushed by this lifelong debt that I can't seem to pay off even after over 30 years...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a letter in the mail about a credit card I was supposedly applying for, but I havent been. After running a credit report check, I actually noticed several accounts that were not mine. I immediately contacted the companies ( Sephora & XXXX ) to close any accounts & dispute all charges. I spoke to XXXX in Sephoras account protection division on XX/XX/XXXX, in order to close that account. No documents were requested by the company, but I did ask for a confirmation letter stating that this account was not opened by me & that I would not be responsible for any charges made to it. I was told that I would receive that letter in the mail within 14 days. Today, XXXX emailed to let me know that Sephoras investigation is closed and they claim it is my account. It is not my account, nor are any of the three others that have been opened or tried to open in my name. Im not sure how much of an investigation was done, but I was not contacted again for any further information. I was only asked to verify personal information & if I had shopped at the store before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: AZ
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 following accounts are not mine I demand all fraudulent items, and inaccurate addresses, be removed and blocked from any future reporting. I am a victim of identity theft I notice several addresses and fraud accounts reporting on my credit report. I demand these items be removed and never returned. Failure to comply or remove will result in a major FTC, CFPB, and consumer act lawsuit including defamation. The law states all fraud information must be deleted from my credit report. I demand all blocks from fraud and future reporting be added immediately. I've been a victim of identity theft and have decreased my credit by over 100 points due to 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 2023-02-17
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got my tax federal refund amount of XXXX deposit into my cash app account i went ahead and cashed of the whole XXXX to my XXXX account but the daily limit deposit is XXXX i did not know that so my bank rejected the instant deposit now cash app wont give me my money and the same thing happens to me XXXX weeks ago with XXXX dollars and still havnt gotten my money back they said the instant deposit was completed but i told them it was sent back now noone will answer my calls or take my evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/XXXX {$31000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Chime Financial Inc
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX at XXXX Chime or someone at Chime transferred XXXX $ to an account on XXXX XXXX without my permission. Been working the problem out with a guy name XXXX XXXX today the number discounted. Put in a dispute with Chime and they emailed me back saying it was denied but on email they had wrong card number. I keep calling same unprofessional people they haven't mew card or anything about me being scammed. I need help please it was my XXXX XXXX  and my rent is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Chime Financial Inc
State: TX
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 Wednesday XX/XX/XXXX, my car was broken into and my wallet was stollen. 3 unauthorized transactions were done for a total amount {$700.00} by the same merchant. When I noticed they had stollen my wallet, I immediately called Chime to advise them of these unauthorized transactions but they said the transaction had to settle first before anything could be done. I filled a police report to XXXX XXXX the next morning which was XX/XX/XXXX, and contacted Chime with the police report number after the transaction was approved. I began my dispute and provided evidence of the transaction being unauthorized, as they also tried to use my XXXX debit card as well but was declined by XXXX due to fraud. After providing all the evidence i could provide chime sent me an email saying my dispute was not approved and that the transactions were settled. My denial letter did not include anything from Regulation E which states certain information must be included in the denial letters such as terminal location/transaction location, type of transaction ; ( atm, retail pos, online pos ), name of the financial institution that initiated the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
I write to complain about the Facially False data reporting of my Account at XXXX XXXX XXXX which account was reported as Closed At Consumers Request on and before XX/XX/ but between XX/XX/ and XX/XX/, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge 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/2023, there were several fraud charges made on my Bank of America credit card which I never made. The charges which made on that day. Bank of America never notified me regarding these fraud charges and said that the card was used so I am liable to pay them {$1600.00}. 
The fraud dispute team also charged me {$30.00} twice for fraud dispute. I would like these fraud charges of {$1600.00} taken out of my credit card balance because these are fraud charges which I never made. I am not responsible for these charges.

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 2023-11-21
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief