BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
HELLO consumer financial protection Today is XX/XX/2022 i went to XXXX XXXX around XXXX using my chime card to withdrawl the amount of cash of XXXX XXXX XXXX XXXX XXXX. I withdrawl amount of XXXX dollars, but the money never dispense, never got the receipt either.First I talked to branch manager then she told to call XXXX XXXX to dispute I did that, and file a complain but they told me to call chime to dispute tranaaction. I waited over an hour for the phone call through chime they finally picked up the problem is they said they cant handle the dispute because the the transaction still in pending. I been working really hard to save this money for my bills. Im so frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Genesis FS Card Services, Inc.
State: NV
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:
Called my credit card in stolen during after a home invasion/burglary and grand theft auto that happened to me on the XXXX of XXXX its on record but the card was used on the XXXX, and XXXX for approximately {$230.00} the fraud department favored it wasnt fraud Ive offered them the police report the number to the detectives that were in charge of the case they still ignored me and the fact that the card was reported stolen on the XXXX of XXXX approximately 2.5 hours after the home invasion they keep ignoring that fact. There reason is the purchases were done on the same day as the home invasion happened. Ok I can agree with that but that doesnt mean that I did those charges nor did I authorize someone to. The fact that it took me 2.5 hours after the robbery to call the card in stolen which was due to the shock I experienced, answering police questions and locating my vehicle that was stolen thru gps should be taken into consideration that it took me the 2.5 hours to call it in stolen and Irregardless it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been an account holder since 1995. Last month I was surprised to find that the bank had placed a HOLD on a {$200.00} money order. The same created an overdraft. Once alerted, the CSR could not come up with a reason for the hold but immedtately released the hold but held the {$35.00} fee for overdraft.. Today, I was notified that I also had an overdraft. it seems that {$1000.00} that I deposited, also from Money orders from the same tennent that Ive had for $ 10 years, that was deposited and credited on XX/XX/XXXX was now, just today on the XXXX, 9 days later, has a hold now placed on it. I have printed the transaction history showing the deposit credited entirely until today. I normally have mortgage payments deducted around the XXXX of the month, had I not seen this today and printed the same, im sure they would have modified the account to show a different story!!! I believe Bank of America is doing this to scores of consumers all across the United States. 
I will have to scan the transaction history and upload it later. 

I will testify, or assist in any way possible to see Bank of America brought to justice ... 

Thank you 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 monetary relief
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have excellent credit, a job and was looking to reduce the number of years on my mortgage. So as a long time banking customer of Chase, I applied for a refi with Chase 3 months ago. All documents are in order yet everytime we are up for a closing they come up with a stall tactic. It really seems like a scam as they took XXXX non refundable if i back out. Its almost like they want me to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NC
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:
A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Bread Financial Holdings, Inc.
State: MO
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, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME '' COMENITY CAPITAL # XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX # XXXX OPENED:XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have filed disputes. Because Equifax has the outdated XXXX XXXX, I can't open the dispute letter results because the updated XXXX XXXX sees their pdf as corrupted. My daughter 's credit inquiry for a new car she purchased remains on my credit reports as an inquiry. They have not investigated or asked the banks whose name was on the inquiry. They will not even look at the information submitted. They will not do anything to get this matter corrected. My daughters information is now on my credit report. I can not provide information that I do not have for a car that I did not apply for as proof. How am I supposed to provide something that does not exist. All they had to do was look to see that the name did not match the social security number. The car company has acknowledged their mistake and is having the same problems working to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: SYNCHRONY FINANCIAL
State: WY
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:
Synchrony Bank lowered my {$3800.00} limit to {$380.00} without any reason and without my knowledge. I had a {$3000.00} balance paid {$2900.00} on time and when I chafe something else I had a balance of {$360.00} I get a notification from the XXXX saying my credit utilization on one of my cards is extremely high. This is how I found out my limit was decreased. Then I looked and they done the same thing with my JCPenney account. Decreased that limit from {$1200.00} to {$170.00}. I never have been late I always pay what I use. Its wrong to do your cardholders like that. That makes the consumer credit score take a major hit. When I called the lady said they go and review peoples credit. So are they doing unauthorized credit checks? How do they know what other credit I have? If they had a problem with the other credit I have they wouldnt have issued me credit when they initially pulled my credit. So they must be doing unauthorized credit checks.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-06
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know this company or do I know how they got my information. I noticed the information in my consumer report and wanted to dispute it as it is damaging my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to submit a claim against Gold Key Credit INC. in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX Hospital located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has incorrectly charged me multiple late fees and overdraft fees over the years

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 2016-11-08
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
my understanding it was paid in another bill statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MA
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 victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports

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 2022-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Chase account was closed due to fraudulent activities and it even got escalated to the executive level. Below are transactions that werent authorized by me .XXXX  XXXX. This isnt the first an incident like this happened with the same institution. I wasnt able to open a chase checking account because someone already had without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: TN
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 recently sent a letter to the credit reporting agencies regarding inaccurate things on my credit report. I asked for the debt to be validated to show this is my debt. I did not deny this debt Im just not aware of it. The creditor updated the credit reported stating the debt is valid but failed to send me any information on how it was validated. I know I have the right to know that. Im not paying a debt thats mine until Im shown proof its mine. I think this needs to be investigated or they need to remove it from my report because it has caused me to be denied for the purchase of a home. I think that this is just wrong, and I will not let the creditors ruin my reputation with lenders because of the inaccurate and misleading information they are spreading by selling my information to lenders. I feel like Im being taken advantage of and being ignored of my disputes. The law plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts to be deleted immediately or I will file for litigation due to the stress they have caused me. I have sent the letters to the actually creditor and they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Public record information inaccurate

Complaint:
I filed a bankruptcy in XXXX and it was dismissed in XX/XX/XXXX, however in XX/XX/XXXX it was updated to reflect in a current bankruptcy when it should show as dismissed. I contacted the bankruptcy court trustee secretary via phone and was advised that they did not report this information. SO the bankruptcy is accurate but it should show as dismissed. Please update records ASAP as it is affecting my quality of living which includes securing a job and residence.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Had accounts with Wells Fargo. Had over draft protection, would have pending direct deposit would be charged overdraft fees and told atm fees were waived utilizing certain atms still charged and charged twice

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 2020-08-01
Company: John C. Heath, Attorney at Law, PLLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Lexington law has my account is cancelled. They sent me a letter stating that I could realis with Lexington law. I called the XXXX number and I tried to re in less and they told me that they couldn't do it because I found the CFPV complain. as a consumer I have the right to use the CFPB to fight issues that are in correctly associated with me in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Southwest Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection agency Southwest Recovery Services put a negative entry on my credit report and violated the law in XXXX XXXX XXXX- Statue of limitation ( XXXX  years ) and XXXX attempting to collect a debt that is not mine. I will be filing a legal action against both the original Creditor ( who failed to properly identify the person who used my identity and Southwest Recovery Services for their violation to the XXXX and Lack of understanding to interpretation of the law referenced above and causing me harm by lowering my XXXX credit score by XXXX XXXX I have never missed a bill in my life and in fact before they are due. Southwest Recovery and as a XXXX  party has no rights by any means to cause me all this and they will be the main party in my legal action due to the fact I have notified them when they sent me an email in an attempt to collect this debt. I advised them that this debt was not mine to begin with. This debt was in relation to a business in which I had no affiliation with and did not even live in the state in which this debt occurred. I have filed the appropriate reports with authorities and provided such to Southwest Recovery Services. 

This needs to immediately be removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Westlake Services, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/, my final loan payment in the amount of {$88.00} was paid in full and on time as requested by Westlake Portfolio Management. I did not receive any correspondence after the final payment was made. 
In XX/XX/, I received a notification from XXXX XXXX, that my Westlake Portfolio Account was 90 days past due with a balance of {$4.00}. I immediately contacted Westlake Portfolio Management and advised that per their billing system, my final payment was {$88.00} and that I had already paid that balance, the customer service rep disagreed with me and advised that I owed an additional {$4.00}. I then demanded a detailed payment history, which was emailed to me on XX/XX/ XXXX XXXX from Westlake Portfolio Management. The payment history also states that my balance is {$0.00}. 
As of today, Westlake Portfolio Management is now incorrectly reflecting as a charge-off, with a past due balance of {$1400.00}, on my XXXX, XXXX, and XXXX reports. XXXX and XXXX are also reflecting an incorrect payment history ; XX/XX/ reflects as paid on time, then XX/XX/ is reflecting 90 days past due. According to all information listed above, my consumer rights were violated. After several unsuccessful disputes with the credit reporting agencies, I am asking that Westlake Portfolio Management, XXXX, XXXX, and XXXX, be investigated.

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