BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-28
Company: EQUIFAX, INC.
State: OK
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:
This account is reporting an incorrect balance, The account is in fact paid in full, an was supposed to be deleted by XXXX XXXX per out pay to deleted agreement. The account is XXXX XXXX # XXXX the balance due is reporting as {$840.00} the actual balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 explanation
Consumer complaint received 2018-11-08
Company: EQUIFAX, INC.
State: FM
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:
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to Equifax, XXXX and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I recently sold some stock from my investment account with XXXX and was looking to access the cash quickly for bills I had due. As such, I have a newer ( less than six months ) Chase bank account opened, that I wanted to the funds to go to. As a result, I opened my chase app, found my account number, and wire routing number. I specifically, found the wire routing number because I know its different from the regular routing number as I have sent wires in the past. I complete the outgoing wire process with XXXX, and wait. They say it can take up to 24 hours, but usually it only take 2-4 hours if that. This was on XX/XX/2022, at XXXX XXXX XXXX  time. By XXXX, Im in the phone with Chase and they notify me that my type of account ( whatever that means ) can send or receive wire transfers. At this point my XXXX is on the floor, and I am completely confused, concerned, and just worried. 

The first agent I speak with at chase tells me not to worry we can convert your current account into an account that can receive wires. He walks me through all the information you must share with a customer opening a new account essentially. Then at the end, he tells me Im having a system issue and I cant do it. Please go to a local branch, they will be able to do it. Confused, I say ok, but request to speak to someone who knows more about and or deals with wire transfers. Once transferred I share my situation with her, she tells me shes never heard of any chase account that cant accept wires, and advises that the previous teammate has no idea of what they are talking about. She places me on hold, comes back to the line to tell me she was wrong, and there are accounts like mines that cant accept wires. She advises that the wire will come in that day sometime, be rejected, and sent back to where it came from. Its been over 24 hours and chase has yet to receive my wire. Im not upset with XXXX  because I have previously did this with my XXXX XXXX XXXX  account and had no issues whatsoever, so this isnt an XXXX thing, its a chase thing. XXXX provides me with this reference number XXXX ; however, chase swears they cant do anything with it. This is unacceptable for many reasons. First if my account cant accept wires, dont provide me with the wire routing number in the app. It shouldnt be available to me, because that insinuates that I can send or receive wires. Next, your customer service against telling me completely different things, because I later called chase that same day on XX/XX/XXXX, and they advise me that accounts cant be converted at all. Id have to open a brand new account, I can not simply upgrade my account. I have XXXX plus dollar sitting in transit somewhere and chase wont do anything to help me! They later sent me a letter saying the issue has been resolved, when nothing has been resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: AMERIS BANCORP
State: GA
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:
On XX/XX/XXXX I made a payment to my credit card ( XXXX Mastercard ) for {$51.00} through my banks bill pay ( Amerisbank ). It was cancelled on XX/XX/XXXX. I made another payment on XX/XX/XXXX for {$100.00}. It was cancelled on XX/XX/XXXX. I have contacted both the bank and credit card company. Both deny any responsibility. My credit score dropped from XXXX to XXXX. I did nothing to have this occur. I have worked hard all my life to keep my credit score high and don't like that it was lowered due to no fault of mine. All I am seeking is my original score before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent Accounts ( 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 2023-01-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal banned my account permanently. I comply and I don't violate any of their legal agreements and Acceptable Use Policy, my account was also verified but they shut down my account instantly. 
I only have one disputed transaction, and it was immediately resolved because I already refunded the sender in full. I don't understand why PayPal treats its users in this manner. They just banned my account without prior notice, no information we're asked first in a way that I can still lift the limitation by submitting documents they asked. Sadly, they never asked me to submit those and instead they immediately shut down my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/, at XXXX XXXX, I received a notification from Chime that there was a pending charge for {$2200.00} via my debit card at XXXX XXXX store # XXXX in XXXX, WA, and the money was removed from my account. I am in XXXX, California, not Washington, and my debit card was still in my wallet. I have never been to a XXXX XXXX in my life. I called the store, who told me to call my bank and file a police report. I called Chime to file a dispute under their Visa liability policy and they said since the transaction was still pending, there was nothing they could do until it either expired or settled. I filed a police report with the XXXX Police Department. I called XXXX XXXX back, and I gave Loss Prevention the case number from the police. I also called Chime to give them the case number. Once being transferred to a supervisor, she said they could not take a case number until the transaction was no longer pending. The next morning, my Chime app said the {$2200.00} was still in the pending phase, meaning my bank could do nothing. So I called XXXX XXXX customer service to see if there was anything they could do. They created their own case number for me and they were able to look at the receipt and see that it was three XXXX XXXX money orders that were purchased. I called the store location and let them know this, to which they were able to tell me the purchase numbers for the money order. I called XXXX XXXX and told them about the fraudulent money orders and they put in a request for a stop on the money orders, as well as created a case number. The transaction was still in pending, but I called my bank back and Chime told me the amount was now settled, despite it saying pending in my app, which meant I could follow through with the dispute. I was transferred to dispute who then transferred me to Members Services who then told me they could not dispute this claim, despite Chime having the Visa liability policy, and I would need to request a refund from the merchant. I asked why and they could not give me a clear explanation. I asked for a supervisor, and was put on hold and then hung up on. I filed a dispute anyways via my Chime app but at this point and time, my money has not been returned, nor have I been given a credit to cover the missing funds, which is what is promised under the Visa liability policy Chime has in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Law Office of J.A. Cambece
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a XXXX card at one time many years ago. The XXXX company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called XXXX. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the Cambece " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. Since they have been playing games with the same court I work out of. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my XXXX XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called twice on Monday, XX/XX/XXXX. The first instance was at XXXX XXXX., in which I was trying to obtain information about the charge for {$430.00} that was opened XX/XX/XXXX. I was told they were hired by the original creditor ( XXXX XXXX XXXX XXXX ), which I know not to be true because they no longer exist as a landlord entity and haven't for a long time ; Also this charge just became active again. I was told they sent letters in the mail as an attempt to contact me, I never received any letter at any address I've updated with the post office. I asked to which address they sent the contact attempts, to which the agent replied " It doesn't matter '', I quickly replied " Of course it does if you say you made attempts to contact me '', to which she finally gave me an address. I asked what I could do to dispute this, she asked if I had any documentation of proof I did not owe payment, to which I replied that she could provide any proof of my liability to pay. She said " We can dispute this back and forth until we're both blue in the face but it won't matter '' and ended up hanging up on me. 
I called back five minutes later at XXXXXXXX XXXX., talked to the same lady, and asked if she could provide me with any and all signed documentation of proof of agreement to pay the stated amount of {$430.00}. She replied that she would send it to my email, I provided her with the correct spelling ( although they should have my information on file if they were truly hired by that landlord entity ), but I still have received no information or proof from National Credit Systems. Upon contacting the property she told me they sent the letters to, the current management told me they have never received mail there in my name nor had any documentation to provide as the property itself has been bought out by a completely different landlord entity. Due to the fact this is affecting my credit score, ability to find a home to rent, and ability to apply for loans, I disputed this on XXXX, XXXX, and XXXX as I have been provided with no proof of signed agreement to pay the {$430.00} even after requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account # XXXX XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX Account # 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 antedates the report by more than seven 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 2017-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on XXXX occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on XXXX occasion. On XXXX other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have an inquiry and a declined letter for a credit card from Chase. Inquiry was on XX/XX/. The letter received showed my maiden name XXXX which I have not used in over 10 years. I recently filed for bankruptcy and have not applied for any credit accounts. I placed a fraud alert with XXXX and will place with the other credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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: Information belongs to someone else

Complaint:
I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting a bankruptcy that was discharged and I disputed, they stated they verified the bankruptcy thru XXXX which Not did they provided False information and is a violation of the Fair Credit Act I have enclosed a letter from the courts they Do Not Verify Bankruptcy I want this deleted from 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 explanation