BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
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: Received unwanted marketing or advertising

Complaint:
THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Huntington decreased my credit limit from XXXX to XXXX and refused to give a reason why. I talked with several Huntington associates and they said theyre not able to give a reason. I have no outstanding debt, an XXXX credit score, never missed a payment, own my home, no mortgage, decent income, XXXX in a Huntington checking account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: United Revenue Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear United Revenue Corp, After viewing a copy of my credit report, I noticed collection accounts placed on my credit report from you in XXXX and XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: WY
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:
In XXXX of 2022, I was made aware that several loans with XXXX had been opened fraudulently under my name. Because I was unaware they had been opened, I had several late payments reported and some charged off on my Experian report before I could attempt to stop them and contact XXXX I have contacted XXXX directly, filed a police report, and contacted Experian 's fraud department and provided all the documentation they have requested in an attempt to dispute and have the fraudulent loans removed from my report. Neither XXXX nor Experian have removed these fraudulent accounts despite providing the documentation they requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions Inc.
State: PA
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:
Made several attempts via certified mail to resolved hard inquiry on credit report. Company failed to comply according to FCRA guidelines. Company didn't respond within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CARVANT FINANCIAL LLC
State: PA
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:
Made several attempts via certified mail to resolved hard inquiry on credit report. Company failed to comply according to FCRA guidelines. Company didn't respond within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
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:
Account name # XXXX XXXX XXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 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. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 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. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights . 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.

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 2023-01-28
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was locked out of my account with Chime a little after XXXX just before XXXX I had deposited XXXX into my savings for XXXX rent for safe keeping however I have not been able to access my account. I have a number of times called support and talked to a real person each time told they will push it to support and to wait for email with response. No email responses, I have sent prof of address Copies of ID, conformation of deposit and spending, and conformed with customer serves every time I called, yet still can not access account. Do to this I'm now being kicked out of home for inability to pay my rent. For almost 3 months I have been emailing XXXX, XXXX, and calling serves center yet I get no respond and still no access to my funds. Therefor I'm asking the CFPB to please help before things get worse for me and I loss anything more. I have been a costumer with Chime for about 5 years and have never had a problem till now. Seems to be there is no help with Chime and talking to a real person that can only respond with a automated put you off and pass the buck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: JPMORGAN CHASE & CO.
State: FL
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 would like to warn the general public and report Chase bank about mishandling of disputes resolution. A purchase was made on a Chase card on XX/XX/2023. The merchant was unable to fulfill the order and did not ship the order. Merchant distributed a statement to affected customers stating the orders were not fulfilled and that the payment processor was not letting them issue a refund. To please charge back with the bank due to this. Thinking it was a simple process, I contacted Chase and initiated the dispute for goods not received on XX/XX/2023. The payment processor ( not the merchant ) sent an automatic reply to Chase on XX/XX/2023 with order information. No record or order being fulfilled, shipped or delivered. I contacted Chase on XX/XX/2023 and explained once again that nothing was fulfilled, shipped or delivered, and that the actual merchant had acknowledged this and communicated it to all affected customers. I submitted the documentation I had ( receipt and the pdf document from the merchant ) and was told that it was more than enough since it was clear I was right. After numerous calls for updates throughout XXXX, XXXX and XXXX, and without receiving any request for information or clarification from Chase, I found out Chase is denying my claim. I would like to warn the government and every possible customer of Chase that what they state in their website about purchase protection and having your back is just a marketing plot. If you ever need them to have your back youll see yourself footing the bill and scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
other XXXX DSNB MACYS XXXX XX/XX/XXXX {$1200.00} credit card XXXX XXXX XX/XX/XXXX {$0.00} credit card XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$5700.00}

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Acct Number : XXXX ( {$0.00} ), XXXX  Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$420.00} ) XXXX Acct Number : XXXX ( {$730.00} ), XXXX XXXX Acct Number : XXXX ( {$1000.00} ), XXXX XXXX XXXX Acct Number : XXXX ( {$240.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ( 7 ) 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting my complain for you to notify or to inform you that I am a victim of identity theft and I need these inquiries on my file be deleted immediately. Please hurriedly check the date presented as I think it may be a possible mistake. Remove these informations from appearing on my credit report. These inquiries I am complaning should be disposed as soon as possible : 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 2023-01-06
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wired all my money on XX/XX/23 to another bank in order to close my account and wire is still pending more than 48 hours later. I called citibank multiple times trying to resolve the issue and didn't get anywhere with them, they keep saying I have to wait, is this legal to hold my money this long?

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 2022-09-09
Company: Experian Information Solutions Inc.
State: GA
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 act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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

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 2021-02-11
Company: Applied Data Finance, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Around the end of XXXX or early XXXX I called them to let them know I was still having trouble paying the monthly payment due to loss of income because of COVID 19 crisis. I Called them two times after this to follow up and they told me they were still working on this and they would get back to me. I never received a response from them until now on XX/XX/XXXX. I receive an email as a charge off letter. I called them immediately and told them I had never received any response from them prior. They said they had sent me emails saying they were offering me a re-age program which meant put late payments at the end of loan so I could start fresh now on XX/XX/XXXX. I reiterated I never received this email, never in my spam fielder either. They said they could not do anything because account was already charged off. This could ruin my credit for 7 years and I do not want this to happen. If I would have been informed properly I would be paying this loan right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2023-07-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

Transunion : XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2022-01-31
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I deposited {$5500.00} in two separate deposits. The ATM has a limit of 30 items per transaction. I thought I split the deposits out appropriately, but upon completing the second deposit, I noticed that I had inadvertently put 31 {$100.00} bills in the ATM for the first deposit and it only credited me for XXXX {$100.00} dollar bills as the second deposit was in the amount of {$2400.00}. I reached out to Wells Fargo immediately, and recieved a provisional credit on XX/XX/XXXX in the amount of {$100.00}. I received a letter today, XX/XX/XXXX, dated XX/XX/XXXX stating that they completed an " investigation '' that showed that the original deposit amount ( the erroneous one where they stole {$100.00} from me ) was correct, and they will be deducting the provisional credit from my account on XX/XX/XXXX. How can they get away from stealing from their customers without any recourse??????

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