BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page 13 of the  attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, XXXX and Transunion have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2023-05-10
Company: FinCo Services Inc DBA Current
State: GA
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 XX/XX/23 I filed a dispute for XXXX for a transaction from XXXX XXXX. I never authorized this transaction and told the agents this numerous times. They then stated it is not under regulation E, despite me stating it is in fact unauthorized. I am due for a provisional credit as it is now XXXX business days and they are refusing against the Regulation and code set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
While I was in another country on XX/XX/2023, someone impersonating a Chase Bank employee claimed that they were from the fraud department and noticed suspicious activity on my account. They had a caller ID of Chase Bank and used the XXXX text thread to send me a confirmation text code. Immediately after the call ended there were four ( 4 ) separate ATM transactions of {$200.00} removed from my account, totaling {$800.00}. I called Chase and filed a report on XX/XX/2023 and was temporarily reimbursed the full amount. On approximately XX/XX/2023 Chase denied the claim because their system traced the approval for the transaction back to my personal device ( e.g. Face ID and wallet, documents can be provided ). I called Chase again on XX/XX/2023 to file an appeal and the representative indicated that I would have to fax supplemental documents such as phone/text records and bank statements, indicating that the fraud occurred, and that the individual impersonated Chase Bank through XXXX. The results of the re-appeal came on XX/XX/2023 with interim communication with Chase employees who repeated the results of the investigation, which was denied, but did little to address the fraudulent activity or any responsibility for protecting my money against scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX i XXXX XXXX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX Subject : Dispute of Inaccurate Payment History and Account Closure per Fair Credit Reporting Act Dear Consumer Financial Protection Bureau XXXX I am writing to dispute the false payment history and inaccurate account closure information reported by Discover Bank on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Discover Bank has failed to rectify these inaccuracies despite my efforts to resolve the matter directly with them. 

Creditor Name : Discover Bank Account Number : Ending in XXXX Date of Account Closure : XX/XX/2023 Date of First Delinquency : XX/XX/2023 XXXX. False Payment History : Discover Bank has reported me as being 90 Days Past Due on XX/XX/2023, which is entirely inaccurate. I have evidence proving my consistent and timely payments, with no instances of being 90 days past due. Discover Bank has not corrected this false information on my credit report. 

XXXX. Account Closure Inaccuracy : The account closure date reported on my credit file is incorrect. Discover Bank closed my account prior to the reported date, yet this discrepancy persists on my credit report. 

Despite my attempts to resolve this matter directly with Discover Bank, they have not taken the necessary steps to rectify these inaccuracies. Therefore, I kindly request your intervention and assistance in resolving this dispute in accordance with the FCRA. 

I respectfully request that you initiate an investigation into these inaccuracies and take appropriate action to ensure the correct and accurate information is reflected on my credit report. Furthermore, I kindly request your guidance on how to proceed and any additional steps I should take to address this issue effectively. 

Thank you for your attention to this matter, and I look forward to your prompt assistance in resolving this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I previously disputed alleged Ch XXXX bankruptcy item with the bureaus In response they verified the item as accurate, stating that the information verified with the court. I contacted the court myself as the court may have violated federal and residence privacy laws by submitting such false information to the Bureau. 

The court responded making it clear they did not report or validate any information with credit bureau ; therefore the original response from the bureau stating they verified the item with the court was either an error or flat out lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), I was never sent any proof but I did get my own proof, yet the Bureaus have yet to comply. I have been being ignored for over 90 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a court ordered judgement that included fees and interest for {$3500.00} ( original amount was {$3100.00} ). They are claiming I now owe 5.25 % in accruing post judgement interest of {$850.00}. I have no had no notification that an amount  beyond the judgement has been allowed by the court.

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 2023-06-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
WELLS FARGO CONTINUALLY REFUSES TO RETURN MONIES TO MY ACCOUNT THAT DID NOT HAVE MY AUTHORIZATION AND WERENT MINE! THEY CONTINUALLY CHARGE ME THE MOST EGREGIOUS FEES!! THESE INCOMPETENT NEFARIOUS METHODS OF BUSINESS THAT CAUSE ME FINANCIAL CONSEQUENCES!!! RIDICULOUS FEES AND FRAUD and REFUSE TO RETURN MY MONEY FOR YEARS NOW!! THEY STOP MY ACCOUNT WITHOUT EVEN TELLING ME AND LEAVE ME NO ACCESS TO MY OWN MONEY!!! ITS DESPICABLE

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 2023-01-31
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-05-10
Company: EQUIFAX, INC.
State: MD
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:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CL Holdings LLC
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:
As of XX/XX/2023 You are reporting inaccurately without proper verification or validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
MY BOYFRIEND TOTALED MY CAR ON MOTHERSDAY AND I AM STRUGGLING TO GET BACK ON MY FEET AFTER THE ACCIDENT I HAD TO BUY 2 CARS TO GET A WORKING CAR. I BOUGHT A USED CAR WHICH COULD NOT PASS INSPECTION AND THEN I HAD TO BUY A SECOND CAR TO REPLACE THE CAR THAT COULD NOT PASS INSPECTION I HAD A SMALL OVERDRAFT WITH MY BANK AND I WAS WAITING UNTIL PAYDAY FRIDAY TO STRAIGHTEN IT OUT ACCORDING TO THE BANK WEBSITE AND WHAT I HAVE BEEN TOLD IN THE BRANCH YOU ARE ONLY SUPPOSED TO BE CHARGED 3 OVERDRAFT FEES CHASE BANK CHARGED ME 5 OVERDRAFT FEES CAN ANYTHING BE DONE TO STOP THIS FINANCIAL ABUSE ON A XXXX XXXX XXXX WOMAN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I bought a living room set at Wayfair, merchandise was returned same day as delivery day before it entered my house. Wayfair did a refund to their credit card that I never used but pay short. After couple months of several phone calls they refunded the full amount but the credit card company wanted to charge me late fees and interests for that. After submitting several complaints the credit cards promised they will reverse fees and interest not to worry about it. About a month later I still receive the bills and amount was put on my credit reports as 4 months past due.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: IN
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2017-09-20
Company: Clearview Resolution Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
today, XX/XX/XXXX/17, XXXX XXXX called my cell phone, then my job, once asking for me, then called back again asking for my supervisor. I informed him not to call my job again the first call. He has threaten to send me something to come to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.

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 2023-06-30
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
NetCredit response to complaint # XXXX is NOT accurate XXXX my stubs clearly show all appropriate information such gross pa, net pay deductions and year to date. My Employers Tax ID is also on there shows as EIN. EMPLOYER. IDENTIFICATION NUMBER. 
Second bank statements were submitted 3 times Third XXXX benefits verification statements were sent to show additional income in adr to the paystubs, which is also shown on the bank statements as direct deposit. 
Employees at NetCredit needs up training. To know how to read the documents they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: AZ
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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX : {$520.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00}

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 paid off a debt in person to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX in the amount of {$180.00}. I sent the receipt to XXXX and Transunion twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off 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 2023-07-30
Company: MOHELA
State: OH
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:
My Federal Students loans were given to Mohela because I applied for their PSLF because I work for a county Healthcare Department. I will out all the paperwork and completed an application for repayment sense the XXXX pause is almost up. I did everything that I was supposed to do. So I received an email saying MOHELA 's Response : Thank you for contacting MOHELA, We apologize for any confusion. Congratulations! Our records indicate that you have exceeded the required 120 qualifying payments needed to receive forgiveness under Public Service Loan Forgiveness ( PSLF ). It will take some time before the forgiveness is processed on your account. There is nothing further you need to do at this time. Once the Department of Education notifies us to process the discharge, you will be sent notification. Please be advised that any refunds you are expected to receive are issued from the U.S. Treasury which can take 60-90 days to receive. We appreciate your patience during this time. If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX, Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX XXXX Thank you, MOHELA Phone XXXX Fax XXXX TDD Dial XXXX XXXX XXXX XXXX  T-W, & XXXX Th-F. XXXX  XXXX XXXX XXXX, XXXX, MO XXXX. This message, from a debt collector, is an attempt to collect a debt and any information So I wanted to call and make sure. They said oh sorry we didnt mean to send you that. You still have to pay. If I wouldnt have called I would have never know. Per their email I wouldnt be making payments anymore. Then I would have been in default for not paying. This to me is not something to just brush off. This is their fault. When I called to talk about they couldnt even explain to me how it happened. They hung up on me. 

What should I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Radius Global Solutions LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried several times to explain that these weren't my accounts but for some reason no one is believing 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 2023-02-07
Company: National Credit Adjusters, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraud alert on account, disputed, Report number XXXX national credit adjust acct # XXXX {$750.00} loan by phone, this account is not mine, not authorized, fraudulent charge, not authorized, fraud charge, doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: IN
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company response to consumer: Closed with explanation