BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, How are you? 

I recently went on XXXX XXXX to check my credit score, specifically XX/XX/18 around XXXX EST. I saw an outstanding debt from Barclays Bank Delaware for around {$460.00} that I do not recognize. The credit card account is opened on XX/XX/2018. I have not travelled outside of NY state in the year 2018 from XXXX to XXXX and have never opened up this credit card. I have never received calls or statements from this bank regarding these outstanding balance. Since I also found another unrecognized credit card opened with outstanding debt from XX/XX/2018, I believe this mistake is the result of identity theft. I have since filed a report with Consumer Financial Protection Bureau and will be filing a police report with local XXXX. Please help resolve this dispute. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date Account opened was allegedly : XX/XX/XXXX Amount of Debt : Status Collection account. {$970.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months This doesn't make any sense. It says here that the terms were for one month.. which seems really odd in any case. 

I also have a phone bill already with XXXX and have for years under my moms account. We have been with them for XXXX. 

I have attempted to dispute this as well in hopes that they will dismiss this from my account. 

I was also made aware that I have been a victim of identity theft as someone claimed to have made XXXX in income in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a local check through my app on my phone and once again my bank hit me with an nsf that I should not have been charged and decided to hold my funds for more than 5 days. This bank does not follow regular banking rules and regulations and violates the laws protecting people from these types of usury. 

( The Expedited Funds Availability Act of XXXX ( EFAA ) mandated that local checks may be held for no more than two business days. After XXXX, all checks in the United States were considered local. The two-day hold has been extended to five days as a reasonable limit for holding local checks. The Federal Reserve requires that a bank hold most checks before crediting the customers account for no longer than a reasonable period of time, which is regarded as two business days for a same-bank check and up to six business days for one drawn on a different bank. Financial institutions may hold on-us items for one business day following the deposit. Many use the term EFAA Regulation interchangeably with ( Reg ) CC. )

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 2017-06-27
Company: TD BANK US HOLDING COMPANY
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:
Since XXXX 2010, I have sent over XXXX certified letters to both XXXX and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Spring Oaks Capital, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TX
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:
Delete the following account XXXX XXXX delete this immediately. Experian failed to conduct a thorough investigation which takes longer than 30 days. Experian failed to report the account to be disputed. Provide the documentation showing my signed signature, including the contract/ statement showing the date this account was open. Or delete this account immediately. 

Delete this account immediately XXXX  XXXX delete this account Experian has reported the following violations reported 1 - FCRA USC 1681 s-2 A ( person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
2 - FCRA USC 1681i ( 7 ) description of investigation 3 - FCRA USC 168i ( 5 ) The credit bureau said everything was complete and accurate and I asked them of if the following information is wrong/missing/not reported. Dear Experian : -I am keeping careful record of your actions and method of verification, I DO NOT CONSENT TO E-OSCAR or any means of automated / electronic verification. Experian also has neglected to correct my profile which clearly shows to be a mixed profile which Experian refuses to fix. -This report is showing inaccurate information on my credit profile causing severe distress and financial strain during this pandemic. Note : As of XX/XX/2023 Attorney General, XXXX, and CFPB Consumer Financial Protection Bureau has been notified - After several attempts I have not received the original documents to verify these items on my report, -Please remove all accounts that are not accurately, legally, completely reporting all criteria needed to verify accuracy of this account This account XXXX Procollect is not correct, experian failed and neglected to report accurate information here are more violations on this report for this account 1. What is the amount past due? The report is showing there is not balance owed so why is experian reporting this a collections account? 

2. Why is Experian reporting collections every month but is reporting this to have only 1 ( one ) term? 

Delete 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I MADE A PAYMENT TO XXXX BANK, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXX BANK OF THE ERROR. A LATE PAYMENT STILL REMAINS ON 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 non-monetary relief
Consumer complaint received 2022-04-27
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TD BANK US HOLDING COMPANY
State: VA
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:
After reaching out to the Nordstrom company, and explaining why there was a 60 day and 30 day past due, they have responded unreasonably and proceeded to report this on my credit report. My very good score went from a good score of XXXX to a fair score of XXXX for just this occurrence. I have been a loyal customer for over 10 years with a Nordstrom debit card/credit card and have never missed payments to this magnitude. 
Explanation : I was dealing with emotional trauma and a family emergency. My husband is XXXX XXXX  XXXX and was redeploying after being gone for 9 months, he entered into an XXXX  XXXX  program. At the same time was also managing the health of my grandmother that fell ill and died in this timeframe all while stressors related to COVID ( working full time with virtual schooling ). 
Supporting evidence : I have reached out to the company and I was unaware that there was a hardship and/or COVID payment policy to postpone payments and never received anything alerting me of this policy to help out my family in a time of need. 
Additional Supporting evidence : At the time of payment due, I had plenty of money to cover the balance of the account and would have done so if I was able to emotionally handle this responsibility. I have attached statements of my bank accounts to show balances and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: MO
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 am a confused consumer because I filed a dispute with the credit bureaus ( Equifax, XXXX, & XXXX ) and these 2 medical collections companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 sent a package XXXX months ago and I asked for copy of delivery receipt to see where package went My case number with Capital one is XXXX They sent me a letter XX/XX/XXXX to say : deal yourself with vendor case closed '' I asked XXXX to ask XXXX XXXX for delivery receipt and never received So insulting to customer with case closed, deal direct, I tried but no response with copy of delivery receipt again I ASK XXXX XXXX XXXX XXXX, send me copy receipt otherwise i want rebilled reverse credit reinstated {$85.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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:
I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights This is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Westlake Services, LLC
State: MS
Product: Credit reporting 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:
Please Delete Inquiry 15 USC 1681i Sec 7 15 USC 1681 Sec 5 15 USC 1681i Sec s-2

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 2023-08-19
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I " lost '' both of my Chime debit cards and my ID on the weekend of XXXX. Come to find out the debit card associated with the " credit '' account ( really, its just my funds ) and I.D . that I thought I had lost XXXX were recently found in my 15 month old 's toy box. I had requested a new debit card from Chime on my " checking account '' and went to the Ohio XXXX for a new license. In the meantime, I issued myself a check from my checking account, knowing that it would come first and I could go cash it. I have history in banking and credit. I am a low income Mom for the first time in my life at XXXX XXXX XXXX, with no support. I just needed access to my {$260.00}. I received the check in the mail and went to cash it on XX/XX/XXXX. XXXX wouldn't even cash it. That's pitiful. So I redeposited it on XX/XX/XXXX, into my checking account. I called on that date and requested the funds be made available because it's a check from me, to me on the same account, and issued from their bank. They played phone tag and just transferred between each other before I finally gave up. Today, XX/XX/XXXX at XXXX XXXX. I received an email saying the check has been cashed. It's XXXX XXXX. and the funds still haven't been placed in the account. I understand they are affiliated with a larger bank. As an affiliation, that check being cashed by should be issued to the Chime receiving account at that moment. Why is this legal? Why is Chime getting away with holding funds? Especially when it was a check that I issued myself to myself, that no one wishes to cash. Obviously, it's a larger issue. I will be closing my accounts and returning to a physical bank. I have nothing holding me back from having an account with anyone and I've learned my lesson. Their data processing department should be able to see the check and deposit it. Ive working in those departments in banking and in prescriptions through pharmacies. It makes no sense to me. Chime is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from Transunion, XXXX and XXXX. 

1.XXXX XXXX XXXXXXXX balance {$2000.00} ( chargeoff ) 2.XXXX XXXX XXXXXXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries 1XXXX / XXXX  2.XXXX/ XXXX 3.XXXX 4.XXXX XXXX 5 XXXX XXXX XXXX Following information are in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector ma
y not communicate with a consumer in connection with the collection of any debt

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 2023-10-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 Transworld Systems Inc. 
XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, PA XXXX Re : Account # XXXX To Whom It May Concern : I am writing in response to your XX/XX/2023 debt validation letter regarding account # XXXX that you claim I owe to XXXX XXXX XXXX XXXX XXXXXXXX. 

I continue to dispute this debt because I do not recognize this account and have never had an account or service with XXXX XXXX XXXX XXXX XXXXXXXX at any of the addresses listed. None of the information you provided verifies that I am responsible for this debt. The name, address, and account number you referenced are not mine. 

As I stated in my original dispute, I have never lived at any of the addresses you have associated with this supposed debt. The service address you listed in XXXX, FL is not an address I have ever resided at. 

Since I have no knowledge of this account or debt, and you have failed to provide any verification that I am legally obligated to pay, I request that you cease all collection efforts against me regarding this account. I expect you to inform the credit bureaus that this account is disputed and make the proper corrections to my credit report. 

Please validate this debt with concrete evidence like an original signed contract or statements in my name, and proof that I am the actual debtor you are seeking before contacting me again regarding this account.

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 2021-07-09
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I went to check my balance for my Chime account. It said my user ID and password did not match, so I clicked the link to reset my password. I was sent an email that contained hey very generic message, stating that my account would be closed on XX/XX/XXXX Due to terms and conditions being violated. I am mediately tried to call but can not get through, you have to have a valid account. I sent several emails, I was told the same thing each time. They cant tell me how The terms and conditions were violated, they dont have access to that kind of informationthey cant tell me what transaction it was, the only thing that they could say is that the money from both my checking and savings accounts ( {$3600.00} ) would be sent to the address on file within 30 days. I contacted an attorney, she mailed a demand letter. They claim they have not received it. 30 days passed & on or around XX/XX/2021 I used my husbands information to get someone on the phone, this is where I was told about the check they supposedly had mailed out weeks prior, on XX/XX/XXXX in the amount of {$1700.00} to be exact.

Shortly after I emailed again, and had a very failed attempt to contact them via phone as they had blocked my husbands account altogether. There is no longer an account tied to his number.

This email asked me to verify my mailing address, and since I didnt receive that check, that they canceled it & that they were mailing a new one.

Previous to the account closure my car had been used with two different merchants that I did not approve on three separate transactions. All three transactions are on the same dispute. They recently granted one in the amount of {$40.00} and claim that it was put back in my account, ( The same account they claim was closed ) denied the other charges stating no error occurred.

I had zero notice of the closure until it was done I am unable to login to see my bank statements, transactions, and they had {$4600.00} ( including the credit from the dispute that was due to post at the same time of closure )

Company response to consumer: Closed with explanation