BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: FIRST NATIONAL BANK OF OMAHA
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 information incorrect

Complaint:
I had a MGM Rewards Mastercard through First National Bank of Omaha with a credit limit of {$14000.00}. In XX/XX/2023, I noticed charges in excess of {$200.00} from XXXX. I called FNBO and they closed that card and reissued me a replacement card with a different number. On XX/XX/XXXX, I made a payment of {$10000.00} to my existing balance. On XX/XX/XXXX, FNBO then cut my credit limit 80 % from {$14000.00} to {$2800.00} even tho I had NEVER been late on my payments or made a payment that didn't go through. In fact, since I used that card frequently because of the rewards program, it was not uncommon for me to make several large payments in a month so I could continue to accrue points. When I called FNBO I was told that they would not discuss this with me, that I would get a letter in the mail and that nothing could be done about this. I informed them to close the new account and promptly stopped payment on the {$10000.00} payment I just made with the premise that I would just continue making the minimum payments until paid in full. This reduction in my credit limit resulted in FNBO showing me over 450 % over my credit limit, thus dropping my credit score over 70 points. I have tried to get FNBO to resolve this issue numerous times even offering to pay the card off in full, but they denied it every time. I explained to them that I NEVER used the card after they reduced my credit line and the way they are reporting it to the credit bureaus was incorrect, unwarranted, wrong and irresponsible. The way it shows on my credit report indicates that I excessively used their card to gain monetary gain which never was the case. My outstanding balance occured when my credit limit was {$14000.00} NOT {$2800.00}. Also, during my time disputing all this, they show me 30 days late on my payments but the minimum payment they said I owed was over {$10000.00} because they cut my credit limit so severely. I have since gotten them to agree to what the minimum payment should be AND I brought the account current was that was agreed to by FNBO. I currently have credit card credit lines in excess of {$110000.00} and have NEVER been late with my payments.

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 2022-10-30
Company: Diversified Adjustment Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified Adjustment Account # XXXX. original XXXX Opened XX/XX/2022 Amount Dept {$310.00} The Diversified Adjustment collection agency try to collect the same amount of {$310.00} opened XX/XX/2022 I did not open any account with XXXX on XX/XX/2022 This XXXX  Account was disputed as a fraud on Report XXXX by XXXX. XXXX XXXX on XXXX, 2022 the amount of {$310.00} I files a Complaint amount the XXXX. XXXX XXXX and XXXX on XX/XX/2022 here are the Numbers : Complain # ID XXXX on XX/XX/2022 Second Complain # ID XXXX on XX/XX/2022 The manners of this XXXX  Account are Fraud my information is inaccurate I did not opened any account with XXXX ion 2022 I did not have any mobile phone with XXXX  Phone company...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I consider this a fraudulent transaction I did make a grocery pickup order for {$340.00}. However was unable to pick up these and I cancelled the entire order. I was still charged in full Wells fargo denied my dispute as the pending transaction posted even after cancellation. I never received any product for this charge.

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 2023-10-31
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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: In progress
Consumer complaint received 2022-10-30
Company: Experian Information Solutions 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:
was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,

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 2020-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
I have a loan with XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-01-09
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. 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 2020-01-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. 
Please remove it permanently. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is in reference to previous file complaint # XXXX. Submitted by me to ChexSystems on XX/XX/2023. 

My request Is simply Method Verification. One in which ChexSystems refuse to answer. 

1. The Date ChexSystems contacted the XXXX XXXX XXXX. 
2. The contact information for the Creditor. 
3. The name of the person who verified the items to ChexSystems from XXXX XXXX. 
4. The method of Communication ChexSystems used to verify the information. 
5. Did the creditor provide ChexSystems with my Social Security Number, address and Date of Birth. 
6. What are the proof documents from the creditor to support their claim.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.

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 2022-07-26
Company: EQUIFAX, 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:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: GOLDMAN SACHS BANK USA
State: OH
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 don't believe Apple and Goldman Sachs are complying with federal regulations on credit cards. On XX/XX/XXXX I opened a dispute for a problem with a product of {$670.00} - at XXXX XXXX. The deadline for the merchant to respond has passed. I was informed that I would receive a provisional credit, but the credit never arrived. 
I was further informed that the dispute is resolved within 90 days. Today is XX/XX/XXXX and it's been more than 110 days since I have no provisional credit, and the problem has not been resolved, no credit back. I spoke for hours with supervisors on XX/XX/XXXX by phone, and the answer is simply, we don't know what happened. 

Disputes are not being processed correctly under XXXX XXXX. 
I need a solution urgently. This can not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Sir/Madam, I am writing to formally dispute the information regarding the charged-off account with XXXX XXXX, account number XXXX, as reported by your agency. I have recently obtained my credit reports from XXXX, XXXX, and Equifax, and I have noticed significant inconsistencies in the last active dates of the account as reported by each bureau. For the amount of XXXX. 

The discrepancies in the reported last active dates are as follows : XXXX : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 Equifax : Last Active Date - XX/XX/2023 These conflicting dates are causing confusion and concern for me as a consumer. It is essential that the information on my credit reports is accurate and consistent across all three credit bureaus to ensure fair and accurate assessments of my creditworthiness. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported last active dates for the mentioned account. If there is an error or inconsistency in the reporting, I request that it be corrected promptly to reflect the accurate and consistent information across all three credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy and integrity of the information they report. I am well within my rights as a consumer to request a comprehensive investigation when discrepancies are identified. 
Please provide me with a detailed response regarding the results of your investigation. If the reported information is found to be inaccurate, I expect the necessary corrections to be made without delay. Additionally, I request written confirmation of the resolution and the updated information after the investigation is completed. 
I appreciate your prompt attention to this matter and your commitment to upholding the standards of accuracy set forth by the FCRA. Please provide me with a timeline for when I can expect a response and resolution to this dispute. 
Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
Hello Roughly two years ago, I applied and received the chase business ink unlimited card. Upon receiving the card, I signed up and enrolled in autopay to the statement balance and to avoid interest and fees. 

I was fairly hands off with the card as I did not use it for much. Upon reviewing my account today, I noticed several interest related charges and fees because the card was NOT enrolled in autopay. Primarily this is due to a monthly recurring subscription from XXXX for {$1.00}, which later increased to {$3.00} earlier this summer ( in XXXX, or XXXX ). 

I am hereby disputing the interest and fees that I've accrued on this card as I did enroll in autopay. I do not understand why it did not go through but I should not be penalized. 

I am requesting that Chase Bank refund my interest and fees that I've accrued on this card as it is unjustified and unwarranted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX & XXXX XXXX bankruptcy XXXX 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 non-monetary relief
Consumer complaint received 2021-06-23
Company: Westlake Services, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HONOR FINANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-11-01
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. There are so many questions that are popping on my mind now. Like why are you doing this kind of thing to people appealing to your company? Oh! I forgot! YOU HAVE DONE NOTHING! You there at Transunion are really hilarious. The other bureaus have already deleted the account below but you still managed to report this fraudulent information on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Delete the account below and comply with the law : 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2023-09-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So my bank account was closed cause I tried transferring money to my Citibank account. It was taking long to get deposited so I just took the money out cash and deposited the money cash in to the Citibank account, So they thought it was fraud and froze my account at the end of XX/XX/. I told them if they can close my account and just give me my money cause I needed to pay bills, they said it was handed over to the fraud company there connected with and gave me there number I called and they said they will send my money through the mail in 30-60 days its been over 4 months going 5 I call once a week and they just tell me the same thing.

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