BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Experian Information Solutions 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:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF THEM

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 2021-04-04
Company: Square Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transaction Details From : Cash App ( Square Inc. ) To : XXXX XXXX Date : XX/XX/2021 Amount : XXXX Location : XXXX, MN Since I was moving out of US, I had put a freeze on my Debit card, which caused the transaction to be declined from XXXX XXXX. 

The money was expected to be returned to my cash app or at least allow me to retry the transaction. However the amount is stuck at Pending state, so I can not use it. 

I tried reaching out to Cash app support which is non-existent outside US. Their XXXX support declined to provide any help or contact details like email/phone to release this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I called Chase customer service regarding an issue with an account transfer from one checking account into another account that had a negative balance. I am a signer on another Chase checking account, my fathers, but not the PRIMARY account holder and I also have my own chase checking account and Im the primary account holder and have my father listed as signer, as well. On XX/XX/19, my fathers entire SSI XXXX  was TAKEN from his account and TRANSFERRED into my account which had a negative balance. I spoke with the collection department at chase and was transferred to the supervisor and was told, there was nothing he could do and would be willing to refund XXXX, if I was willing to set up a payment arrangement. The account was withdrawn for only 22 days and I called three times asking if they could remove or waive some of the fees - not all but atleast half. I was told no because they waived two overdraft fees 8 MONTHS AGO. I offered payment arrangements on the account and was willing to set it all up immediately, if they refunded the XXXX back to my fathers account since it is his SSI check. They refused and said they can withdrawal at anytime if another account through Chase is negative. I asked the supervisor how this is legal and he said its in the fine print when you agreed to the terms and conditions. I informed him my dad has been with chase for 12 years and he told me that doesnt matter and means nothing. They didnt notify my father or I that they were taking the money and I never received any notification in the mail stating that would happen. I was told they dont have to notify there customers. This is not fair to the consumer and its negligence on Chases part for not having any regard for there customers and/or their situation. An innocent person was affected by my mistake that I was willing to set up payment arrangements to resolve the negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Contacted XXXX and TransUnion in regards to the validity of the bankruptcy associated with my credit report. This information is not accurate. There is a Bankruptcy report and accounts associated with the bankruptcy that need to be removed, due to the Creditor not complying with the law on how this was shared to my creditor. I have enclosed proof through XXXX XXXX that this information is not in my file for my credit. I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Transunion and XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: OR
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 has repeatedly hit my account with XXXX dollar overdraft fees even when my account had/has the money to purchase items. XXXX of 2023 I called Wells Fargo about my account being overdrawn with multiple late fees 2 were taken off. I did buy a budget book so that I may keep track of Wells Fargo and my account. This isn't the first time overdraft fees were added to my account as much as nearly as much as approximately XXXX XXXX in overdraft fees, this happened in I believe XXXX. I did call Wells Fargo to inquire about this lawsuit but no help or information was given, until I researched more myself and came here. I have been a member of Wells Fargo for some years. I bought a table from XXXX last month for approximately XXXX, a week or so later my account is hit with an overdraft fee by Wells Fargo. When I called Wells Fargo to complain the woman on the phone actually went back into my account a few months a took overdraft fees off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021 I received a letter from AFNI, INC saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from XXXX  XXXX  XXXX  , XXXX XXXX I Wrote Afni a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. Afni told me to contact XXXX  XXXX  XXXX  for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either one of these companys when I am asking for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
ChexSystems Inc. is reporting fraudulent accounts on my ChexSystems Inc. consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but ChexSystems Consumer Relations has not responded.

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 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with Transunion, XXXX XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly 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 2023-08-16
Company: Source Receivables Management LLC
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:
To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello Team - There are multiple transactions from my Bank of America Checkin account between XX/XX/XXXX to XX/XX/2021. I was out of the country with my family from XX/XX/XXXX to XX/XX/2021 and during my absence a new debit card was delivered to my home address and looks like someone got that card and did transactions of more than {$6300.00} from my card. When I came back to US on XX/XX/XXXX and checked my account around XXXX then noticed that someone is doing continuous transactions from my account. I called customer care to report problem then they froze my account to stop further transactions but for further research and processing they asked us to visit branch with photo ID. When I went to branch they mentioned it will be handled by fraud dept online and they can not help. Then again I called customer care in evening, they repeated the same thing to visit a branch and call from there, After back and forth with bank and Customer care I got an appointment with one of the bank rep on Wednesday XX/XX/XXXX, then after verifying our identity from there we called fraud dept with the help of bank rep, it was an hour long call and she discussed about each transaction and told us she has registered our complaint and I will get our money back between 10 to 90 days. We felt little better as they all assured that I will get our money back and I were waiting for same ... 
Yesterday, I noticed that there was a letter in my mail that my claim has been rejected and reason mentioned in the letter was " these transactions were authorized by me ''. which is absolutely wrong as I never got that new debit card and not at all aware who received it and used it ... 
I have again done appeal to bank yesterday XX/XX/XXXXand waiting for their response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
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:
Hello, I am a recent victim of identity theft and after consulting with my legal team and contacting the CRAs, I was told to file an FTC report. I went to my local police department also and they said that is out of their jurisdiction so I was not able to get a police report but I did get an FTC report which is attached down below. I also have different addresses and employers on my report as well. I have already mailed each CRA as well via certified mail and provide each CRA the full authorization to investigate and block these account at 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 2019-06-20
Company: Experian Information Solutions 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:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: MO
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.

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 inructions 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 2023-07-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX accounts on my credit report that are not mine I have been disputing these since XX/XX/2020 I have not receieved anything back from the bureaus regarding this I have filed an FTC and still nothing back from the furnishers or the bureaus I need this resolved asap. This is not ok to be dragged around like this for someone elses mistake. 

XXXX XXXX XXXX - Acct # XXXX {$1400.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX -Acct # XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Barclays XXXX XXXX XXXX XXXX XXXX XXXX, and was not provided the sign-up bonus of XXXX miles, following a purchase within the first 90 days of account opening, which I did. 

I applied for the card over a competitor of Barclays ( who also offered a card with AAdvantage miles ) because of the bonus offer that was made and I accepted. 

I applied on XX/XX/23, but Barclays delayed both the approval and sending the card well beyond anything I have experienced. I only got the card in the mail on XX/XX/23 -- over a month since I applied, and, I was told it was approved in early in XXXX when I called to inquire. 

Since I knew it was approved in early XXXX, I knew I had until the end of XXXX ( XXXX being a short month ) to make a purchase. 

I made a purchase on XX/XX/XXXX, which posted on XX/XX/XXXX. Even if my application was finally approved on XX/XX/XXXX ( which would have been the earliest date of approval based on Barclays saying early XXXX when I called ), the transaction posted on the XXXX day ( if both days are included ), and XXXX day since I had received the card and activated it. 

The activation date is arguably relevant to the opening date, as the only way I was allowed to use my card was to agree to additional terms online from Barclays. If I refused to agree to these terms not in the application, and governing general card usage, it would be hard to argue the account was fully opened until I agreed to the additional terms Barclays required. 

I realize I was cutting it a bit short, but I still completed the requirements for the XXXX bonus miles in time. I am guessing there is a flaw in Barclays system which failed to account for the shorter month of XXXX, or an error in the sending of a card well after I applied which did not all in good-faith for 90 days if they largely delayed sending me a card for weeks on end. 

I am requesting the XXXX bonus miles given the large timing anomalies regarding the approval/delivering of the card and the ambiguity on what constitutes opening of the card when all other card issuers seem to stick with approval ( as well as give additional grace period days or deliver the card in a faster timeframe. 

I will accept Barclays providing the XXXX bonus miles as a courtesy that acknowledges no wrong doing on their part or an acknowledgement of many concerns Ive brough up, as I dont wish to drag this out if the miles could be provided.

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 2021-04-04
Company: MRS BPO, LLC
State: MD
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: Problem with personal statement of dispute

Complaint:
XX/XX/2021 A derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief