BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: CA
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:
This situation has exceeded it's max time of over 120 days I'm given to dispute transactions on my account. On XX/XX/XXXX I reached out to chime in regards to my account not receiving my refunds I've given it seven business days to show up on my account but nothing. Til today XXXXXXXX XXXX XXXX I received an email from chime Chime Account Number Ending In : Claim ID : Dispute Type : Debit - Transaction Was Cancelled Date Error Reported : XXXX Claim Amount : {$5500.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. 

Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$5500.00}. We consider this credit permanent, and we reversed any applicable fees. 

We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. 

If you have any questions, please contact us by phone at XXXX ( XXXX ) XXXX or by email at XXXX. 

Sincerely, Chime Disputes Team XXXX Chime. All rights reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Banking services provided by XXXX XXXX XXXX, XXXX. or XXXX XXXX, XXXX, Members FDIC. The Chime XXXX XXXX XXXX is issued by The XXXX XXXX  or XXXX XXXX  pursuant to a license from XXXX XXXX XXXX and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. 
This email was sent to you because you have a Chime account. 
Your privacy is important to us. Chime will never ask you to share sensitive, personal information such as your PIN, your full social security number, or Chime login information over the phone, through text, or on social media. See our online guide to learn more about protecting your personal information. 

But my account is closed as of XX/XX/XXXX and XX/XX/XXXX after being treated like I didn't take the proper steps to take care of my identity filed police report filed for identity theft since XXXX chime made me wait so long. I've been the most trying to clear my name my balance importantly because if I owed money things would have certainly turned another route but it was vice versa and I lost so much time I can't and won't ever get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 non-monetary relief
Consumer complaint received 2019-07-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A RENTAL BLOCK FOR APARTMENT THAT NEVER LIVED IB. IT WAS DELETED FROM CREDIT BUREAS BUT COLLECTION COMPANT nATIONAL CREDIT SYSTEM STILL TRYING TO COLLECT AND HAVE A RENTAL BLOCK ON MY HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-13
Company: Amsher Collection Services, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/2018, Amsher Collections Services ( hereinafter " Amsher '' ) reported to the credit bureaus that I had an unpaid balance totaling {$550.00} from XXXX account. I contacted Amsher and advised that I never had service with XXXX and that I had been a victim of identity theft in the past and this appeared to be another fraudulent account. Amsher had no additional information other than XXXX confirmed the account belonged to an accounted holder with my name and date of birth but provided no confirming documentation. I have attempted to remove this derogatory mark from my credit report however the continues to appear on my XXXX  report. This is not my account, I do not owe any money to XXXX and/or Amsher and would like this to be permanently removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I have reached out to you all about a car on my credit that is not mine. Equifax and XXXX said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-23
Company: NBT BANCORP INC.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
This was taken care of. 
Opened XX/XX/17 Paid as agreed This as been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: The CBE Group, 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:
On or around XX/XX/XXXX, I received a letter from the collection agency, The CBE Group , Inc., stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXXXXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. 

Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor Captial XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX {$320.00} - Regarding XXXX XXXX  - Ref. # XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 1

5 U.S.C. 1681. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DEPT OF ED/NAVIENT ACCOUNT STATES THAT IT WAS CLOSED BECAUSE IT WAS TRANSFERRED TO ANOTHER OFFICE. THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT HISTORY AS A DELIQUENT ACCOUNT. I AM UNABLE TO ESTABLISH CERTAIN CRITERIA BECAUSE OF IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: GOLDMAN SACHS BANK USA
State: NY
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 have had a General Motors ( GM ) rewards card for more than 15 years and have never had any problems until Goldman-Sachs took over the rewards program connected with their Marcus Mastercard. Recently I learned that the awards that I have been accumulating for a number of years are now being removed from my account. I was told by GM from the very beginning that the awards would never expire, yet Goldman-Sachs has removed hundreds of dollars so far and stated they would continue to take regular monthly amounts until it reaches {$0.00}. They claimed that they could do this because I haven't used any reward dollars to buy a new car for over seven years. As I stated before this was never the case until now. Furthermore, I actually did purchase a new car well within the seven year restriction. The previous amount of reward dollars was approx. {$4700.00} and is now down to {$4100.00} and has been steadily dropping for the past year. I only noticed this recently as I have always been treated fairly and didn't suspect anything until this month. ( XX/XX/2023 ) I received no notification prior to their actions. I have contacted them several times regarding this matter, most recently on XX/XX/2023. After a lengthy discussion with customer service I was informed that the agent couldn't help me and that he would refer it to the appropriate department and that they would call me in " a few days ''. That was exactly two weeks ago today ( XXXX XXXXXXXX XXXX ) and I have heard nothing. 
In summary my complaint is based on : 1 ) That Goldman-Sachs has arbitrarily changed the original terms to my credit card agreement. 
XXXX ) They took these actions without my prior knowledge or consent. 
XXXX ) After repeated attempts on my part they have not acted in good faith to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 ACCOUNT IS NOT MINE, ALL OF THE INFO IS INCORRECT, NOT SURE WHERE TRANS UNION GOT THIS FROM BUT IT'S NOT MINE!!! THERE ARE CLEAR ERRORS HERE THAT WERE NOT CORRECTED THE FIRST TIME I DISPUTED THIS. SEE ALL ATTACHED, YOU NEED TO REMOVE THIS ASAP! THIS WAS MADE UP BY YOU AND NOT THE FIRST TIME IT'S HAPPENED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX  is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please delete these accounts 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX I tried desperately to save my family 's home and ended up losing it along with my marriage. 

I was stricken with anxiety and my whole life collapsed because Wells Fargo refused to allow me to 1 ) short sale my home and 2 ) refused to answer any of my letters and refused to allow me to save my home. I sent them all documents showing I was employed and was trying to save my home before they ultimately foreclosed my home. I worked tirelessly with XXXX and the Courts to show them WellsFargo illegally took my home from right under me. Of course, taking a " Big Bank '' to court was futile and I lost all of my money and retirement money trying to do so.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 3 Credit Bureaus 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 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, JP MORGAN CHASE BK DBA CHASE Auto committed aggravated identity theft by misusing the social security number provided, furnishing a deceptive contract and attempting to extort additional funds out of the consumer for JP MORGAN CHASE BK 's personal benefit. The consumer was coerced to sign a contract that fraudulently forced them to relinquish their rights and security interest. On XX/XX/2022, they illegally stole property from my place of residence, and present day, is using the property they stole to blackmail me. This came after the right of rescission was exercised on XX/XX/2022, and also resubmitted again on XX/XX/2022 via fax and certified mail. Though the deceitful contract was originally signed, it was signed at a time without proper knowledge of the correct legalese, nor was an attorney present to be of positive representation on behalf of beneficiary. JP MORGAN CHASE BKXXXX XXXX XXXX XXXX knowingly withheld imperative forms and documents which disclosed rights available to the consumer/beneficiary, that was to be furnished at the time of the contract being signed. All of which caused great anguish to the natural woman, and the company to perform unlawful embezzlement. 

Violations : 15 USC 1605 15 USC 1635 / 12 CFR Part 1026.15 18 U.S. Code 1028 18 U.S. Code 1028A

Company response to consumer: Closed with explanation