BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX  account opened XX/XX/2017 and Balance {$0.00}. This is a closed account but company is showing late payments and I have never been late on any 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 explanation
Consumer complaint received 2023-07-29
Company: JPMORGAN CHASE & CO.
State: NC
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 was scammed on XX/XX/2023 with a previous credit card at Chase Bank in the amount of {$5000.00}. I have been scammed once more with a new credit card at Chase Bank in the amount of {$5000.00}. I closed the credit card on XX/XX/2023 with the Chase Card Compliance department and the card was re-opended on the same day and I was charged again in the amount of {$5000.00}. This was another fraudulent activity on my Chase card. I called several times to get the Fraud investigated on XX/XX/2023. I plan on calling the Chase Card Compliance dept. once again on XXXX, XX/XX/XXXX. 

As you know I am a current XXXX Bank SCAM/FRAUD victim in the amount of {$700000.00} that was stolen from me. These same perpetrators that stole from me at XXXX Bank have also gotten my Chase credit card account and are stealing from me once again. I asked Chase Bank to close my credit card so that additional monies can not be stolen from my credit card. This has to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Discover failed to close my account at requested, and resulted in additional charges and even late fees. 

On XX/XX/XXXX, I made a call to Discover customer support to request to close my account, because I was leaving US. They promised to do so. 

Recently ( XX/XX/XXXX ), I received an email saying that I owe Discover {$310.00}. I didn't think this was possible, since I have requested to close my account more than a year ago. So I logged into to my account, found out that there were two auto-renewal services that charged me in the beginning of XXXX. But because I was completely unaware of this, the debt piled up and Discover kept charging me late fees ever since.

Had Discover closed my account at my request a year back, none of these charges should have happened. It was Discover that failed my request, yet I had to pay for their mistake, and they even benefited from this by charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: JPMORGAN CHASE & CO.
State: NC
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:
Letter sent to the Chase Bank Fraud dept. on XX/XX/XXXX : This is the second time my Chase credit card has been fraudulently used in the amount of {$5000.00}, card # XXXX XXXX XXXX XXXX. I called the Chase Card Compliance dept. on XX/XX/XXXX to close my credit card permanently. I don't think my Chase Credit Card was closed permanently on XX/XX/XXXX. I now know my card was closed permanently on XX/XX/XXXX. How did this happen when I was trying to be proactive and close my account on XX/XX/XXXX? 

I had a fraudulent charge on XX/XX/XXXX in the amount of {$5000.00} with a previous card. I subsequently closed the credit card due to fraudulent usage. This was a fraudulent transaction based on the following from the XXXX  Financial Conduct Authority ( FCA ).

The XXXX  Financial Conduct Authority ( FCA ) has issued a warning against XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX Subsequently, consumer protection sites ( see XXXX ) and regulators in XXXX and other countries have also warned against the scam. The warning has disappeared from the FCA website, but many other websites on the Internet still reference it. 

We assume that XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) lawyers have intervened with the FCA. Fund Recovery is just not a business that requires a license. It is also, unfortunately, unregulated.

In the view of the somehow damaged XXXX XXXX brand, it makes sense to work through the partner XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent a letter to Equifax disputing a bankruptcy they are reporting on my credit report. On XX/XX/XXXX Equifax sent me a letter stating they confirmed the bankruptcy with XXXX and that it was accurate. 

I have a letter from XXXX dated XX/XX/XXXX that this bankruptcy was deleted from my account. 

Equifax can not verify an account that is not there, so they lied and did not accurately verify this account. Since Equifax has violated the Fair Credit Reporting Act, I want them to immediately remove this inaccurate account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was reviewing my credit scores between XXXX XXXX and Experian and they is a difference of 100 pts in my credit score, I review my report and submitted various changes in my Experian report and the score did not increase, I mhave been trying to reach them and with no avail, I hope that this matter can be solved

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 2023-08-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681 ( b ) 2 this is my statement that all of the account inquiries have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These account inquiries are not related to any transactions made by me, the consumer. 

Please remove the following inquiries : 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive noticed collections accounts on my credit report that are result 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: NC
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 federal protected consumer rights to privacy and confidential under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX 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 autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-31
Company: Affirm Holdings, 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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting XXXX account Affirm ID XXXX, has violated my rights. 
15 USC 1681 section 602 states have the right to privacy.

15 USC 1681 section 604A 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 account under an open consumer end credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/XXXX, I MOVED OUT OF MY APARTMENT AT XXXX XXXX XXXX XXXX, TX. I SENT LEASING OFFICE PICTURES OF MY MOVE-OUT. I STILL INCURRED FEES FOR XX/XX/XXXX. I'M ATTACHING LEDGER AND CHECK PAYMENTS THAT THE DEBT WAS PAID AND I HAD A XXXX BALANCE. THE PREVIOUS COMPANY XXXX XXXX CLOSED DUE TO BEING SUED FOR ILLEGAL PRACTICES. THE AMOUNT WAS PAID XX/XX/XXXX. IT WAS SUBMITTED TO IQ DATA INTERNATIONAL IN XXXX OF XXXX. THE AMOUNT THAT WAS SENT IN SHOWS DOUBLE THE AMOUNT OF WHAT I ALREADY PAID, AND NOW ITS SHOWING INTEREST ADDED. IQ DATA KEEP VALIDATING THE DEBT AS VALID. I WENT TO XXXX XXXX AND TRIED TO GET THIS RECTIFIED BECAUSE THIS IS CAUSING ME NOT GET ANOTHER APARTMENT. THE OFFICE MANAGER SAID SHE COULDN'T HELP ME BECAUSE I NEED TO SPEAK TO THE PREVIOUS MANAGEMENT COMPANY, BUT THEY ARE CLOSED AND ALL NUMBERS LISTED ON INTERNET ARE DISCONNECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/2018, an unauthorized Debit transaction for {$8500.00} was posted to my bank account. Since I am notified immediately of any transactions that occur in my bank account, I then drove to the local branch of the bank. with the intention of closing that account and opening a new XXXX. However, when the bank found that the unauthorized transaction had occurred, they abruptly closed my account and gave me a check for the balance left in the account, LESS the {$8500.00} that was taken illegally. They also infomrmed me that they could not, and would not open a new account for my business.. 
This unauthorized transaction was done by a former member of my XXXX at another branch of the bank where he knows the XXXX XXXX. 
I had already emailed her on XX/XX/2018, attaching my official Annual Report for 2018 that I filed with the North Carolina XXXX of XXXX XXXX showing that I was the sole member of the XXXX and requested her to remove said former partner from my bank account. 
This branch bank XXXX intentionally avoided removing my former partner from the company bank account ; then deliberately avoided processing new Bank signature cards that were signed on XX/XX/2018 that specifically showed that the former partner was Not permitted access to my company bank account. I am quite certain that she also infomed my former partner that I was going to close the bank account so he hurried to his local branch bank and made the illegal withdrawal. 
I hold both the banking institution and the XXXX XXXX liable for reimbursement of {$8500.00} plus damages that have occurred, limiting my business operations and generally causing a great amount of despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I deposited a check on XX/XX/2022 at PNC bank in the amount of {$7200.00}. I recieved a note from PNC bank stating the funds won't be available for 10 days. The check has cleared, and PNC has the money and still have not released it. It's been 55 days and they have not released my funds.. I am in my senior year at the XXXX  XXXX XXXX and my account at PNC bank has always been in good standing. Thank you for you help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: Resurgent Capital Services L.P.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect information on credit report Creditor XXXX XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX XXXX XXXX XXXX Balance {$570.00} XXXX Act. # XXXX Opened XXXX Reported Closed Condition

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: FL
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:
To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
WELLS FARGO CRD SVC {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT WELLS FARGO BANK {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-08-07
Company: ACIMA CREDIT, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I reached out to the company, XXXX, because a charge off appeared on my credit report for {$3900.00}. I called them to let them know that I never received all the merchandise that I ordered from XXXX XXXX on XX/XX/2020, and because of Covid the furniture was not readily available. I only received the Bed, consisting of a queen foundation, mattress, footboard, rails, and headboard which totaled {$880.00} shortly after I ordered. I never received the two night stands, dresser or mirror which totaled {$810.00}. 
They never sent any monthly statements to me because all merchandise was never received. I was told that that the contract does not start until all merchandise is received. This company has all my personal information including my social security number which according to 15 USC 1602 ( l ) - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. According to 18 USC 8 all obligations are the responsibility of the United States. I demand the charge off be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX-XXXX  POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, NON XXXX, XX/XX/XXXX XXXX  XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXXXXXX 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 2023-05-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Being charged an overdraft fee when there is funds in my acct. I actually notified this when they sent a notice on XXXX. When I deposited enough money in my acct and then paid rent. I was still drafted a fee, dont know how many times they could have done this at Wells Fargo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation