BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Phoenix Financial Services placed two accounts on my credit report. They also sent a letter to my house indicating that the statue of limitation had past and that these accounts were too old to collect thus making them time barred. I disputed both of these on my credit reports. On XX/XX/2021 these were removed. However, on XX/XX/2021 I received a letter stating that the law limits how long you can be sued on a debt. Because of the age of your debt, you can not be sued for it. On XX/XX/2021 it then placed back on there. These debts were duplicates with the same amounts. My rights were violated under the FCRA due to this items being deleted then put back on my account. This company has parked these debts on my credit report and therefore it has caused my credit to go down. The balances are {$11000.00} and {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: PA
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 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to create a free membership with Experian to manage security freezes, but their website has a technical problem where no matter how different my username and password are, it blocks me from creating an account saying " Your username may not include your password ''. I've spent hours on the phone with them trying to resolve the issue, and they would not recognize it as a technical problem and they have no tech support that I can contact. After calling over and over, working with the disputes department to confirm all my information was correct, they finally recognized that it might be a technical problem, and asked for a screenshot of the issue on XX/XX/XXXX. Then almost a month later, XX/XX/XXXX they said they forwarded it to their engineers to look into. I still haven't heard back, and I still can't create my account to control the freezes on it.

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 2022-12-01
Company: Chime Financial Inc
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Chime account was suspended because of a large deposit made. They thought it was fraud and asked me to provide proof of address and drivers license on Saturday, XX/XX/XXXX. I submitted everything they asked for, and they said it would be 24-48 hours at the most to review. They have denied me access to my bank account which has almost {$50000.00} in it, and we are now on XXXX XXXX of not having access to my account. 

I have emailed their support and review teams 5 times already this week and have not received any information back. I have called every day asking for help, and all they do is tell me to wait because the customer service reps have no access to the " back office '' staff that review cases. They are holding my money XXXX and denying me access to my account, and refuse to provide me with any updates on when the suspension will be reviewed or lifted even after I have sent them all of the information they have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: JPMORGAN CHASE & CO.
State: CA
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 {$1900.00} on my Chase credit card by XXXX for damage done to a rental car. XXXX has not provided me any paperwork proving the damage. 

You see, Chase is also the insurer of the damages as Chase as that is a benefit of the Chase card. 

I disputed the charge and asked for proof of loss that Chase. The same proof that Chase requires from me. 

Chase said it would not allow the charge to remain while the dispute was active. But instead of getting proof from XXXX of the charge, Chase just reinstated the charge back to me requiring proof of the charge from XXXX. 

You see it is in Chase 's best interest not to require the merchant, XXXX, to provide the proof of the charge/damages because if the merchant, XXXX, provides the proof then Chase will have to pay as part of its card benefit. 

So I do not have adequate proof of the charge from XXXX in order to make Chase pay its claim under the cards benefits and Chase is not requiring proof of the charge from XXXX as it is in Chase 's best interests that XXXX not produce proof of the charge. 


So either the charge is not valid and I win the disputed charge or the charge is valid and Chase pays the claim under its ' benefits. But Chase is not requiring XXXX to show the charge is valid and is keeping the charge against me so that I can't file a claim under the Chase card 's benefits provision. 


In other words, Chase did not treat my charge dispute properly. Instead of making XXXX prove the charge, Chase closed the dispute without making XXXX produce proof. 

The motivation for this is that if Chase did require XXXX to produce the proof, then Chase would have to pay under the insurance benefit. 

Attached is a letter dated XX/XX/2018 from Chase 's XXXX XXXX where XXXX is trying to make me produce the proof of the charge instead of XXXX. 

Also, Chase through XXXX XXXX kept repeatedly trying to tell me this information verbally over the phone but would not let me record the conversation while insisting that Chase would record the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ALLY FINANCIAL INC.
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my 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 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2023-02-10
Company: EQUIFAX, INC.
State: IL
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 received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX L XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX 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 2023-03-14
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I contacted SunTrust Bank regarding archived records of my checking and savings accounts, in addition to the possibility of a check deposited in the amount of {$11000.00}. SunTrust Bank did not produce any records, nor to even prove that been a client within their institution. Knowing that I held accounts with SunTrust Bank, I am disturbed by the fact that they were unable to confirm that I was a previous client, even at the very least.

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 2019-04-26
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I created an account with American Express Serve, they suspended my account in XXXX, and have not disseminated any information as to why they suspended my account, nor released the funds that are currently sitting in that account. 

Timeline  : XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Was locked out of account, noting an issue with my email/password ( est. ) XX/XX/XXXX - Called the customer service line, was originally told that it was a security issue but they were unable to unlock the account. I was passed off to another rep and they told me that they couldn't unlock my account either. 
XX/XX/XXXX - Received an email notifying me that my account was locked, and account privileges suspended due to violating terms 15b of their agreement. No other information in the email noted why my account was suspended or what 15b was. 
( est. ) XX/XX/XXXX - Called to resolve matter, was told again that my account privileges were suspended for violation of 15b. When asked what that was, they responded that they couldn't tell me that information. I was told that they would send an email with more information in the next couple of weeks ( this email did not come ). I requested to have the account closed and release the funds. I was told that they would email me with information regarding the case ( this email did not come ). 
XX/XX/XXXX - Called again to Identify what the hold up was with the release of funds. I spoke with XXXX whose extension was XXXX, and whose manager 's name is XXXX. I notified them that I had requested to close my account and that the {$400.00} in funds were not released. She assured me that they would handle the situation and that they would report it to the appropriate team. I requested to speak to said appropriate team, and was told that was not possible, they are not reachable by phone. She said that I would receive notice on the release of funds with 1-2 days. I let her know I would reach out to the CFPB in the event that they did not release the funds in 2 days. 

I have also received weekly account updates from Serve, notifying me of the {$400.00} that is sitting in my account. 

Any time I have attempted to call to get information, I have been assured they would fix the situation, and then I receive no mail, no email, no notice on why the account privileges are suspended and my account is locked, allowing me no access to the {$400.00} that I put in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: WELLS FARGO & COMPANY
State: FL
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:
First, a job offer was accepted from indeed for an unnamed company ( red flag ). They contacted me about an job offer. The offer was great for a large sum of money. At this time the name they said they were was XXXX XXXX. The job offer was for XXXX XXXX XXXX  netting XXXX a year as an independent XXXX. XXXX XXXX was for two weeks paying {$2000.00} at the end of the two weeks. In the final task, I was required to do transfers from my account to theirs and vice versa under the vice escrow account/ company transfers etc. On XX/XX/XXXX I received {$3000.00} from OREGON XXXX XXXX XXXX, XX/XX/XXXX RECEIVED {$2800.00}, on XX/XX/XXXX WITHDRAWAL WAS MADE FOR {$2800.00}, on XX/XX/XXXX WITHDRAWL WAS MADE FOR {$2600.00} into an old WELLSFARGO ACCOUNT. On XX/XX/XXXX i deposited the amounts into a XXXX  account. On XXXX after reading a XXXX XXXX, I closed my account with WELLSFARGO noting the mistake advised to block all future transfers, and XXXX also blocked me from all communication, and I never did receive my {$2000.00} from them. On XX/XX/XXXX, I noted a pending transaction from an attempt to pull {$3000.00} and {$2800.00} in which I called WELLS FARGO and confirmed it was unauthorized, and to not allow those transfers to go through to the new bank checking account. WELLS FARGO confirmed in writing that the transfer was unauthorized and told me by phone, it would not affect the new account. Then, On XXXX, the transfers finalized and drained my entire account prompting overdraft fees and the account to go negative. On the same day, a claim was placed on the unauthorized transaction. WELLSFARGO blamed me denied refund of funds, denied any blame, and then proceeded to advise me to take out a loan to cover the negative funds. I then went to do a police report to report the crime and opened a new account with another bank in the meantime. I have all documentation to show the negligence of WELLSFARGO who has suggested i contact XXXX or the XXXX  to politely ask the scammers to stop draining my bank account. This negligence of WELLSFARGO is demeaning and has prompted me to seek legal help for potential arbitration against WELLSFARGO 's undue diligence. DO NOT TRUST XXXX XXXX ; IF THE JOB OFFER SEEMS FISHY OR TOO GOOD TO BE TRUE< LOOK ELSEWHERE.

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 2022-11-02
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: Was not notified of investigation status or results

Complaint:
Last XXXX2022 I sent this company a letter requesting for the method of verification that they used to check the accuracy of the things on my credit report but its been over a month now they still haven't provided me the information. They would just ignore it as if they didn't see it. This time I want CFPB to have a record of this letter and complaint about the company 's negligence for I might use them in the near future.

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 2022-11-02
Company: U.S. BANCORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX i went to US Bank website to find a US Bank ATM website to withdraw money XXXX XXXX XXXX  but there is none in my city and in the same website it says that i can use a moneypass atm to withdraw money, there will be a surcharge fee but it will be waived, also written here XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Then right away i withdrew money and the ATM says there will be a fee which is what i expected since US Bank website says so. Today, XXXX the transaction cleared out and saw the surcharge fee for using moneypass atm, then i contacted us bank rep from their website using live chat, explained the situationed, and they said that its not a fee that they will waive, i gave them proofs of those websites but the rep still says no. Aside from that, the rep is extremely rude right after i showed them the proofs from their own website and tried to end the chat as soon as possible, the rep name was XXXX, i'm sure they store transcription of chat history that if you request you can see it yourself. 

I'm reaching out to CFPB to get help, as usual, bank write in their own website they will waive the fee, comes time when they have to waive the fee, they do not honor their words

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 2022-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation