BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: SC
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 someone Fraudulently used my Debit card associated with my Chase Checking Acct to withdraw {$4000.00} from the teller. In addition the criminal called into Chase to transfer {$3000.00} from a linked college acct into the checking acct and bought nearly {$3000.00} Bitcoin on debit card as well. 
After reporting these events to Chase fraud Dept the afternoon of XX/XX/2020, they have since investigated the claim for the {$4000.00} cash withdrawal and stated NO Fraud involved and are NOT reimbursing the Money. It was brought to their escalation dept who re reviewed the claim and again stated No fraud involved. 
I have spent countless hours on the phone, had several meetings with my local branch client reps, filed a Federal Trade Commission identity fraud report and police report. 
The Police detective investigating this pulled the bank 's video tape and it revealed an masked XXXX XXXX male making two {$2000.00} withdrawals at the teller posing as me, a caucasian male with a very greek name of XXXX XXXX XXXX. 
The escalation dept told me their investigation is complete w/o any further appeal process. I was also told it was my prerogative if i wanted to pursue this further with the police dept. 
I am a XX/XX/XXXX working throughout this Covid pandemic and needless to say I don't have additional available time to spend on this let alone the unnecessary stress this and Chase Bank has caused me. 
In addition to this Chase has not been transparent with the info they have investigated so as to let me know what other identity info was used other than a PIN number so that i can further protect myself. 
Chase has failed me in so many ways.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When I use a free ATM, the one at kwik trip at XXXX XXXX XXXX and XXXX. WellsFargo " reimburses '' me an ATM fee of 4 dollars. The ATM is free, there is no fee. so there is no fee to reimburse. I should not be getting 4 dollars from Wells Fargo every time I use the ATM. 

I tried talking to the staff at my local branch they say they know of the problem but they can not fix it and that I should be quiet. It seems very suspicious to me. 

I have heard news stories of people getting money deposited into their accounts they should not be getting. and then getting in trouble with the law. So I have stopped using the ATM. And need to make sure wells Fargo takes back the money they have falsely given me.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified of this debt. I did not receive any information on this debt. I requested information over 30days and have not received any. I do not believe I am responsible for this debt

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 2018-08-23
Company: Commonwealth Financial Systems, Inc.
State: IL
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:
Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've have yet to hear back from the company 30 days to respond, I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX  # 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 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 2020-01-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I signed up for a security monitoring service named XXXX  On XX/XX/XXXX I received an email stating that XXXX is becoming XXXX XXXX XXXX On XX/XX/XXXX my security monitoring contract ended with XXXX I advised XXXX XXXX XXXX on XX/XX/XXXX that if they could not lower my rate I did not want to continue with the service. They sent me an email invoice and told me that the contract would be attached within a couple of days. The contract was never attached, I called back and still no one was able to assist with the contract. At that point I advised that I no longer wanted to move forward with the deal. 
XXXX proceeded to continue to attempt to charge me for the amount XXXX even though I am no longer under contract and advised that if they could not lower the amount I am leaving. 
I reach out to another alarm system provider and was advised that I could not use the system with any other service because the system is locked. I have attached text message conversations between XXXX and me that shows where they told me after a year I would be able to use the equipment with any other provider. Which has now proven to be false. 
So then I notice that XXXX started charging a debit card that I did not have on file. I used the card for a one time purchase at XXXX and did not have it listed as a form of auto draft for monthly payments however XXXX decided to charge my debit card that I did not authorize for payment multiple times in the amount of {$44.00} 3x 's within one week. 
I reached out to Chase who reversed the funds and returned the money back to me, then they reached out to XXXX who provided them with a signed contract from me to prove that I agreed to the amount they were charging. Chase then charged me in the amount of XXXX x 's 3 again, so now I am out of money that I do not owe XXXX. I never signed a new contract with Brinks and do not know how they could have provided Chase with a contract, I advised XXXX in XX/XX/XXXX that I no longer wanted the service if they could not lower rate. I reached out to XXXX and they said that they do not send contracts to banks. Chase is now telling me that they can not give me my money back. In a nutshell I do not have a contract of service with XXXX, I did not authorize the use of my debit card for payment and I can not use the monitoring system with another company as they and XXXX stated to me. Please see all attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

has violated my rights. Or list of inquiries 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 2023-06-04
Company: Alliant Capital Management LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record dated XXXX XXXX XXXX, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Nelnet, Inc.
State: TN
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 began social security and the loan company OSLA decided I could get a XXXX XXXX XXXX  discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact OSLA.gov/Nelnet/SSA to confirm this information all these apartments do credit checks and im XXXX so I need my score raised I have paid back many loans and cleared many bank accounts so please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a card member for American Express since 2018 and was approved for XXXX credit limit. Out the blue they dropped me to a {$1100.00} credit limit but i wasnt provided an adverse notice about it. I received an email this morning from American Express about updating my income which i did and i submitted request via chat to increase my credit limit and i was denied. Without an adverse notice provided again. When i downloaded the results from my request i received a blank page. 

When i called and spoke with a representative she indicated that i was denied due to having other accounts with balances? But my balances on my other accounts were below 30-35 % When you are denied credit limit increase you are suppose to receive an adverse notice that explains the detailed explanation as to why the Decision was made and American Express didnt do that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-24
Company: EQUIFAX, INC.
State: PA
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 the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # 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 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2023-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo has continued to report derogatory information to the credit bureaus without my consent or permission. This violates my right to privacy and this violates my right to receive access to my consumer credit. Wells Fargo continues to harm me.

I now opt of out all reporting per 15 USC 6802.

Wells Fargo does not have my permission to ever harm me and my family again and shall be held accountable for its actions.

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 2023-06-04
Company: Velocity Portfolio Group
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.

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 2022-12-22
Company: OneMain Finance Corporation
State: MS
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:
Inquiry from OneMain Financial appeared on my credit report today XX/XX/XXXX and I have not done any business with this company and I have not been applying for additional credit at this time. 

ONEMAIN Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Personal Loan Companies Contact info Address po box XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi! My PayPal account was permanently limited on the XXXX of XXXX. I think there could be some mistake, because I did not break any rules. I am a XXXX XXXX  and simply received payments from my customers. The email I received from PayPal saying that they found some potential risk associated with my account. I understand that PayPal reviews accounts to prevent fraud and keep a safe environment for both buyers and sellers. But since I started using PayPal I have not receive a single dispute from my customers, so I'm pretty sure there is some mistake. Please help me to get my account back. If you need any info about my business, I would be glad to provide everything that is required. 
My PayPal email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me to delete these illegal accounts from my reports.

Company response to consumer: Closed with explanation