BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-01-16
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company sent me a letter stating that I owe XXXX XXXX {$1200.00}. I have never had XXXX. The letter they stated had my name spelled wrong and a apt number. I have never lived in a apartment. I called the company and some lady tried to get force me to say that it must be my account and that I have to remember it. She went on to say that it might belong to another family member in my house that I forgot. I did record the message and I can send it if need be. I told the lady that this was on my credit report a few years ago and I disputed it and was deleted. She then went on to say that her company just purchased this. This company is some junk debt collector that doesnt care. Lady was so rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I noticed a fraudulent charge on my online Amazon/Chase account. I immediately called Chase and notified them. I have a confirmation letter from them, sent XX/XX/2021, saying they would look into it and send me a new card. I have been fighting this charge since that date. I get billed every month and every month I send in an Identity Theft reply and ask them to remove the charge. This month they sent me a letter ( attached ) saying, and I quote, " You notified us that this transaction is valid. '' I have never notified them of anything except that the charge is invalid. I have a file on FTC and have notified all the credit reporting agencies. What can I do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: JPMORGAN CHASE & CO.
State: HI
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:
Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to XXXX. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 USC 6802b, as I have informed the credit reporting agencies XXXX, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized.

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, 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. the information is, in fact, inaccurate.

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I went to First National Bank in my local branch to open a business checking account on XX/XX/XXXX which was Saturday and account official opened on following Monday XX/XX/XXXX. 

I funded {$15000.00} more in my account on XXXX XXXX XXXX but my account got a monthly fee charged on XX/XX/XXXX. I called First National Bank customer service asked to refund the {$29.00} fee because my account just opened in 30 days I already funded my account {$15000.00} more. My local branch refund {$15.00} to my account and {$14.00} still not refund my account. 

As my knowledge when a customer opened an account in 30 days It usually no monthly fee. 

I am writing this complain to request First National Bank to refund {$14.00} back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I attempted to withdraw {$50.00} from XXXX XXXX XXXX ATM at XXXX XXXX XXXX XXXX XXXX MA on XX/XX/2023. The machine gave an error message and did not issue any funds. I was still charged the {$50.00} plus the {$2.00} ATM fee. After notifying Bank of America, they issued me a temporary credit while they conduct their own investigation. After which they concluded they found no wrongdoing. I filed a complaint with the Dept of Banks which referred me to this site to try to resolve this issue.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: NM
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:
A delinquent report showed up suddenly on my Experian and XXXX credit reports that I no nothing about, have never initiated any transactions I have not paid for and have never received any contact from this company XXXX XXXX XXXX XXXX, Account number XXXX. I do not want to contact the company because I believe the information is fraudulent. Whatever the information is both Experian and XXXX won't take 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 2023-12-15
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I currently have an active Business Account with Discover Business ending in XXXX with a XXXX limit. Several years ago I successfully settled out of court for an undisclosed amount with Discover Business Card because they refused to comply with the FCRA regarding fraudulent transactions that were made to my account. After receiving the payment from Discover Card the agreement was that they were going to remove all fraudulent transactions and reissue a new account number. Yesterday when I spoke with a representative at Discover she advised me that the new account would be mailed expedited. Today when I spoke with the fraud department I was told that the account was closed. This is not true because several people at Discover advised me that I have XXXX available for use with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Netspend Corporation
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: Card was charged for something you did not purchase with the card

Complaint:
I have a prepaid Netspend debit card. I have often seen lots of small charges ranging from XXXX to {$1.00} on it charged in places I'm not in and at times I'm somewhere else. ( I can verify this ). Netspend has told me those are someone checking in to see my balance, they claimed to be unable to do anything about it, and they had me purchase a new debit card. I did so and changed the PIN number. 

But nothing changed. I signed up for the text alert when my card is used and that's where I am now. 

At XXXX XXXX Pacific XX/XX/2022 today, when I was at home in XXXX, I got an alert that my new card was charged for {$30.00} at a XXXX  in XXXX XXXX. I only know this because I was sent a text alert. This charge wiped out my account. I was at home in XXXX when I got the alert. XXXX XXXX is far from my home. 

I am working class poor. {$20.00} of that {$30.00} was going to go to groceries that I planned to get tomorrow/Sunday. 

I immediately went to the Netspend " dispute charge ''. That page wouldn't load ; I got a 404 error. The 404 error happened the last time I went to the Netspend account to dispute a false charge. I couldn't call because their call center is closed. I will call in the morning when they're open during my time zone. 

I think Netspend and its associated XXXX is complicit in fraud. I need help, please, making this stop. Netspend has not helped.

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 2022-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was searching for a specific firearm to use while Deer hunting in Ohio. The XXXX XXXX XXXX series was difficult to find but one website XXXX XXXX XXXX XXXX XXXX had them in stock. The website seemed legit, and I excitedly checked out on the website but noticed something curious upon checking out. The website only accepted XXXX or Bitcoin for checkout and instructions would be sent via email after purchase. The bitcoin was a red flag, but USAA ( my personal bank ) uses XXXX, so it seemed like a trustworthy payment method similar to XXXX that would protect me in case of fraud or a scam. After receiving an email about the checkout process ( see attachment ) I was informed payment would be sent to XXXX. This also sent up some red flags as the email did not seem like an official store XXXX account, but I ahve previously purchased a firearm from XXXX and the sales associate from XXXX has a similar setup regarding payment ( except it was XXXX, not XXXX XXXX. I proceeded to send the money ( {$1000.00} ) from my USAA checking account to the email via XXXX on XX/XX/2022 ( see attachment ) to purchase the firearm. I received an immediate response that the order would process and I would receive shipping information word shortly. After not receiving any follow-on word about the order, I did a quick search and found out that it is a scam website and my initial instincts were correct. I wasn't concerned because if XXXX was anything like XXXX they would refund my money and help prevent others from getting scammed. Sadly, my complaint to XXXX went nowhere ( see attachment ). They informed me that the recipient 's bank refused to help and refund the money back to my account ( no surprise there ). USAA was also informed and their investigation also found similar results with the recipient refusing to refund my money ( see attachment ). I am furious that USAA uses a service like XXXX and it has literally become a pipeline for scammers to sucker people out of money who believe it to be a trustworthy app like paypal or a normal credit card that protects customers from scams. I am also extremely dissatisfied with both company 's handling of the situation and how little help I received with the investigation of this scam and receiving my money back. I will continue to fight this until my money is refunded and that website is no longer online so others do not have to suffer this loss. Please help me with my cause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MI
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 complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: CL Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is now my XXXX complaint with this creditor. The original creditor on this account is XXXX XXXX XXXX XXXX . However this account was sold off to Jefferson Capita in XXXX XXXX. Jefferson capital has admitted in their response that they're the current creditor and head creditor of the account. They also admitted in the letter that they started reporting on the account in XX/XX/2023. They're not aloud to report on my credit with it being a sold off account and report them selves as the head of the account and report on my credit. It is illegal to do so. Id like this account fully closed and taken off all XXXX of my credit bureau files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Information belongs to someone else

Complaint:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

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 2023-03-31
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX XXXX I called Chase customer service to initiate a claim for an unauthorized charge in the amount of {$360.00}. I was told that the credit would be added to my account within two hours of the completion of my call. XXXX has not been added to my account. I have tracked downwhat XXXX can regarding the charge from XXXX and emailed the merchant who charged my card to which she claims that they never charged my card. XXXX has not been any help to this charge initiated by them. I XXXX today. I have attached my email correspondence with her and the information that I received from XXXX. I neverplaced or received any orders for {$360.00} just as XXXX at XXXX XXXX XXXX has stated back to me via email. It makes no sense because heremail is @ hotbeautyhair but she claims that her website closedin XXXX but will check with the person regardingthem charging me on XXXX.I would like to ensurethat this claim is initiated and correctly credited back to my account and is handledwithin the appropriate guidelines in accordance with the Fair Credit Billing Act as this charge is not valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding XXXX XXXX : I viewed my Equifax credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from Equifax it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XXXX. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/XXXX  I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/XXXX  to XX/XX/XXXX  when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.

Company response to consumer: Closed with non-monetary relief