BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Wednesday XX/XX/XXXX I had went to XXXX & got me & my mom some food. I went there & came back home. Around XXXX XXXX XXXX XXXX I got a notification about my credit card being used so I looked into it realized it wasnt me & called my bank to let them know. I remember me getting my card back from XXXX so I checked to see where my card is & couldnt find it. So I went & looked at my front door camera to see if maybe I dropped it & I did just that! In the video you see someone walking down the st stop.. pick my card up & then continue to walk & use it 10 mins later now Chime declined my claims twice already saying I dont have evidence its left me way more heart broken then anger considering this is my first time not only going through something like this but this is my first claim! Unbelievable how I was denied & not even the manager of claims department can tell me why Im beyond lost as to how it was denied & Im filing this claim to see if someone out there actually understands where I am coming from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 don't know when I opened this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
on XX/XX/XXXX i received a alert from my XXXX app that my credit score had dropped XXXX points which brought me to a poor rating. i instantly called the number showing on my app and asked credit collection services what i had collections for, they stated to me that i had a collection of XXXX for insurance on my old vehicle, i stated to them that this vehicle had been sold, and that i had cancelled the policy months before my credit score dropping. i asked the lady what i needed to do to get it off of me and make my score go back up and she told me if i paid the XXXX that they would promise to remove the collection from my report due to them not contacting me via cell phone or home address, or actually at all just going straight for my credit. i then paid the amount, days later nothing changed and now they are stating they will not remove the collectio, my collection accoun number is XXXX and the confirmation that i paid it in full on XX/XX/XXXX after the collector promised if i paid they would remove the collection is XXXX i had canceled the police via cellphone through the XXXX  app the day i sold the vehicle, payments should have stopped then and i also had direct payment set up from my bank account, I have never missed a payment before i had great credit and a great history until this, and this collection agency failed to report it to me before destroying that for me and they also lied and stated they would remove it if i paid. im not worried about the XXXX i just want my credit back the way it was and the collection removed, because this was not due to my fault this is on XXXX for not closing my account like they stated they did and the collection service. I opened a dispute on this afterwards, but the company did lie and tell me they would remove this once i paid and instead on XX/XX/XXXX they added a additional collection for the same thing with a {$0.00} amount which when i contacted credit control services about they ignore me and disclosed they could not speak about credit reporting. If they do not remove the collection I will be contacting a lawyer and I also will be move forward with submitting this to XXXX, XXXX and XXXX XXXX after i hear back from this, i am attaching my credit history showing no missed payments, the 2 collections from them ( for the same thing ) and the reciept where i paid them, I spoke with a XXXX agent on XX/XX/2023 at XXXXXXXX XXXX and she stated to me my XXXX local agency is XXXX XXXX she said my account with XXXX is paid in full and they are unaware of the collection amount that credit collection services put on me and she said i also should persue getting this removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX # XXXX Has violated my right. 
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 Also that account was paid in full in XX/XX/

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 2023-04-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I called them several times to remove fraudulent inquiries I got on my credit report and they haven't done so, even tho they told me they were going to delete them within 24-48 hours. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
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:
I reached out to this company back in XX/XX/2022. And advise them to remove the inquiry.

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 2020-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hi so on XX/XX/XXXX I submitted a dispute witht he three credit bureaus XXXX  and XXXX  with a problem report on a missing payment from one of my auto car account and everything was taken care off by XX/XX/XXXX and this two credit bureaus were able to get me back my loss points after the dispute was done and erase the missing payment from my credit. But through experian the dispute was also completed by XX/XX/XXXX but they havent update al my points that I loss like in the others two bureaus. Is there anything that can be done so i can get my credit point back from experian!? I really need it because will be using my credit for a first time home buyer in a few months and really need those points back! 
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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
someone got a hold of my credit information and updated their email address, their home address, their employer, as if they were me. they used my credit cards and opened new bank accounts, used them without my authorization or consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Subject : : - - Dear PayPal Executive Escalations, : -,. 

I want to bring to your attention that on,, XXXX XXXX from Executive Escalations partnered with PayPal Risk after my ( " '' ) for the Consumer Financial Protection Bureau ; Complaint No : -. As I informed them that my identity has been stolen and is now being used to circumvent PayPal, I stated that I have only one valid PayPal account under my valid emailXXXX XXXX I also advised that any other accounts are not mine and should be reported as unauthorized accounts. 

XXXX assured me in his response that PayPal Risk will complete their review within 7-10 business days and let me know the outcome of the case. He quoted the following in his response, ",,. '' I am pleased to inform you that on //, PayPal Risks completed their review and the case was found in my favor. I have enclosed a to support my claim result. However, ( : - ),. 

Furthermore, I have advised in my complaints several times that I have not submitted any invalid or altered documents. In fact, any documents based on invalidity and alteration must be discarded as I have not submitted those. The documents were due to additional unauthorized PayPal accounts being created without my authorization. 

I want to bring to your attention that I have enclosed my valid Photo ID several times during the complaints, but it appears that it has not been taken into consideration. As a sign of good faith and cooperation, I have enclosed my within this complaint response. I hope that PayPal will now closely consider my request and make a professional decision that will help me. 

I must also mention that I sent an to follow up with XXXX XXXX regarding the claim update on XXXX, but I am yet to receive a response. With this being said, I again respectfully request your assistance in restoring my account balance, as I have been proven innocent, and restoring my account access, as PayPal Risks have already closed the case in my favor. 

In conclusion, I appreciate your time and understanding in this matter. I remain hopeful that PayPal will rectify the situation promptly, and I can access my account and funds as soon as possible. 

Thank you for your attention. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged on my credit card as a fraudulent charge. I have submitted documents to CapitalOne and they refuse to reverse the charge and will not charge the merchant back. I refuse to pay the charge although I have submitted proper documentation to them and they are threatening to pursue collections and put this against my impeccable credit if I dont pay the charge. I have supporting documentation on hard copy which if needed I can mail to you upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have always had issues with over drafting fees.Cant give dates because it goes back to far back and got tired of arguing with over and and over many times. But feels it unfair and insufficient fees are outrageous especially when charging more than once.

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 2020-03-18
Company: CITIBANK, N.A.
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:
Citibank , N.A . closed my Costco Anywhere Visa based on inaccurate, faulty information. Citi customer service as well as management stated their decision was based on information received from XXXX, the credit bureau, which according to citi the report showed a delinquent credit card in my name and managed by Citi. I communicated to Citi I had no other credit card issued by Citi. I asked for Citi management to review my credit, which I had to provide and which showed no discrepancies, delinquencies, or derogatory information as of XX/XX/2020. I communicated, called Citi almost on a daily basis for about 3 to plead for someone to review their erroneous decision. I informed them that my employment is contingent on my clean credit, but my pleads were ignored, refused because once a credit decision is made, citi does not retract their decisions. Now my credit report shows CITI credit card closed and it now contains derogatory information. The closing of my Anywhere Costco credit card reflects badly in my credit report and therefore in my employment. I am very careful about my credit ; I pay the entire statement at all times and its even set up to be paid automatically to avoid any lateness or fees. 
Citi informed me that the only recourse available to me is to re-apply for the credit card or file a formal complaint. I will not apply for the credit card because I have no delinquent credit card.

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: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX 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

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX. The addresses on my credit that was run on XX/XX/23 continue to be wrong! XXXX is not and has not been my address in more than a decade! It's invalid! XXXX is missing my XXXX XXXX for which I provided a number of times yet they continue to leave it off of my address on my credit! 

XXXX. XXXXXXXX XXXX XXXX is paid off but they show 2 different dates as the paid dates. Only the XXXX is correct, the other is not! 

XXXX. XXXXXXXX XXXX XXXX has an additional status comment added to the pay off comments that the account was once delinquent. Well that IS NOT NEW AND WAS REPORTED YEARS AGO AND APPEARS IN THE PAYMENT HISTORY. IT'S NOT NECESSARY TO MAKE IT APPEAR TO BE CURRENT INFO WHEN IT'S NOT!

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 2020-06-04
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 pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was issued a writ of garnishment of XXXX the XXXX of XXXX but my job contact me frist about it on the XXXX I contact the debt collector an ask for a validation of debt and why was this my frist time of hearing about this the agent said that I was contacted in XXXX about this debt but I dont recall the conversation are being served paperwork for said debt but in the agent records indicate that I had know about it and I requested information about debt to prove it was my debt the agent begin to be aggressive with me an refuse to provide anymore information and told me that they work for XXXX the local hospital in that town and have write them two letters of debt validation and sent the court a appeal letter and have not heard from no one and its by on the 30 day since I requested the information and according to the agent all so the debt was for a medical bill from XXXX and and that claim that sued me XXXX But didn't not inform me that the debt was pass stature of limitation and the garnishment was filled on XX/XX/XXXX but was not sent out to me XXXX XXXX XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: GA
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/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EXPERIAN AND XXXX XXXX HAS SOME ITEMS ON MY CREDIT REPORTS THEY REFUSE TO REMOVE/DELETE.

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