BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX XXXX and Transunion. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and Transunion and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX and Transunion. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, Transunion and XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, XXXX, Transunion and XXXX   needs to be held accountable for their misleading, false reporting and lack of a investigation. 

XXXX, XXXX and Transunion has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be  verified. 

XXXX XXXX and Transunion has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.

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 2020-09-09
Company: EQUIFAX, INC.
State: CA
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 have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to XXXX, Equifax and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX and XXXX and 30 days Non Response to Equifax. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to Equifax and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to Equifax, XXXX and XXXX. The three credit bureau continued to report this Unverified Account.

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, Equifax, XXXX and XXXX   needs to be held accountable for their misleading, false reporting and lack of a investigation. 

XXXX, Equifax and XXXX has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be  verified. 

XXXX, Equifax and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I made a dispute on XX/XX/2020 the bank asked me to send a dispute form which i did. The same day the responded with an email telling me that my temporary credit would be back into my account by XXXX which was a total of 10 bussiness day but when i called bank they said that they didnt receive my dispute form that they only had received a link. I had spoken to them all they way up until it was time for my provisioner credit to be released they ensured me that i would have to wait to the end of the 10th bussiness day which i did and i still havent received my money this isnt the first time bank had did this. They told me that i submitted my form late which i didnt and that i would receive and email which i havent. If these things are not done i will be seeking legal advice and sueing company for not following laws. Your company was given everything asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: FIRST HORIZON BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX XXXX I have a complaint against First Horizon bank. 
Rout # XXXX Account number XXXX On about XXXX XXXX I over drafted on my account, My account was frozen until I can cover the overdraft. 
I did not have funds immediately, but I had some wrapped coins that I needed to cash out. 
I

set up an appointment to see an accou nt manager to cash out coins. while waiting for the cash, I had a simple conversation with the representative about the new COV19 bank regulations. 
I was asked if I had been exposed to the XXXXXXXX XXXX, and I answered honestly, I said yes. I was hospitalized XXXX weeks earlier and was tested by XXXX XXXX and XXXX XXXX and I was XXXX  for the XXXX. 
Representative then started to say I need to leave now and got up and held the band door open for me to leave, I told her I was XXXX  and I had a hospital not with the XXXX. 
I was always practicing ALL the proper social distancing and wearing a mask. 

I then went home and filed a complaint with the corporate 's office. 
Word was sent to the bank manager, XXXX. XXXX, who then took it upon herself to freeze my account and started closing the account. 

Not just my account but any account that my name was attached to it. 
This caused a major problem, because one account was one that belongs to my brother, who depends on this account to receive his S.S. direct deposit. 

I was able to keep the account open after going above her head to keep that open. 

I made deposits on XXXX XXXX and was told funds will be available on XX/XX/XXXX. 
when I tried to access my account on XX/XX/XXXX, I was told that the checks have not cleared yet. I checked with my friends who had paid me and was told the checks have cleared their banks by XX/XX/XXXX. 

The bank manager was still holding on to my money for no other reason but to be spiteful. 

She then closed my account as of XX/XX/2020. As of Friday XX/XX/XXXX, I still have yet to receive my final check or my bank statement that I was charged {$2.00} for. 

And as of XX/XX/XXXX, I had a balance of {$480.00}. 
her closing my account has caused some of my automatic payment declined. 

I have worked to build up my credit score and she has jeopardized all my hard worked on. 

She was and is a bad person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is NOT a duplicate complaint. Original bill was sent to wrong guarantor, after months of trying to correct with XXXX XXXX XXXX, they turned it over to ARSTRAT collections. Complaint XXXX was field with CFPB to correct this error. 

The only change that occurred with complaint XXXX is that the debt was switched into my name with the collection agent ARSTRAT. 

I HAVE NEVER RECEIVED A BILL FOR THIS DEBT FROM XXXX XXXX XXXX XXXX. XX/XX/2020 both XXXX XXXX and I contacted a patient advocate XXXX at XXXX XXXX XXXX who listened to the issue and said someone would get back to us. As of today, we have not heard back..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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:
I filed an FTC Identity Theft Report with the Federal Trade Commission and sent all three credit bureaus the Following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Of the three credit bureau, TransUnion is the only one that did not follow section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I contacted them several times and tried to explain to them that they are in direct violation of the FCRA federal law and that they are now negligent in their reporting responsibilities because they have all the documents required by law to remove these fraudulent accounts from my credit report. I sent TransUnion the document via certified express mail which they received and signed for on XX/XX/2021. As of today XX/XX/2021, I still have the fraudulent accounts on my credit report. I have asked them repeatedly if they are familiar with FCRA laws and they have admitted that they are not familiar with " American '' FCRA law. This negligence and disregard of the FCRA 605B is a direct violation of my rights and I am demanding this to be corrected.

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 2020-11-23
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1. I opened a Chime checking and saving account online https : //www.chime.com/ around XXXX. I used the account without any problem for a while 2. XX/XX/2020, I notified that Chime suspended my account when I tried to log in 3. On XX/XX/2020, I called the customer service number at XXXX to understand what happened. They couldn't resolve my problem and asked me email my issue to XXXX and XXXX 4. On XX/XX/2020, I emailed XXXX and XXXX with all required documentation : copy of both front and back driver license ID picture of me holding my driver license XXXX  XXXX XXXX  statement XXXX  XXXX  statement Utility statement XXXX bank statement Written explanation of last few transaction 5. On XX/XX/2020. Chime emailed me that I violated their Deposit Account Agreement Section ( I ) ( C ) ( 9 ). I read through and I did not violate any one of the agreement. 
Here is the copy of XX/XX/2020 message from Chime ********** copy begin ******** Hi XXXX, We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ).

If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after.

Kind regards, XXXX Chime Member Services **XXXX. copy end XXXX Chime has most of my cash and I could not really use it. Chime closed my account and I could not reach out to any one at Chime. Can you help take a look at this case to make sure Chime is not discriminating customers like me? How can a bank suspend a customer 's account without providing customer service access? What can I do now as I could not use the majority of my family cash to pay for bills during the pandemic and holiday seasons for 20+ days?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: MD
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:
My credit score is consistently underrated and by Experian. My credit score with XXXX XXXX and XXXX typically ranges from XXXX to XXXX. My Experian credit score is XXXX. I contacted Experian on XX/XX/XXXX in an attempt to find out why it was such a disparity with my Experian credit score, Oppose to XXXX XXXX and XXXX  score. I have received a response from Experian as of this writing.

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 2018-07-18
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor Information I C SYSTEM XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX this company has placed a collection on my account for XXXX. My final bill with XXXX was not $ XXXX.I had a monthly payment plan of {$200.00} This is 2nd time has place a fraudulent account on to 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
Consumer complaint received 2020-05-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I and my friend are XXXX XXXX. Last year, my friend wrote a check for {$5000.00} to me. I was using Chase 's bank account and he was using XXXXXXXX XXXX  account. After I saved that check in my bank account. Chase closed my account for no reason, and they didn't send that {$5000.00} back to me. Also, I'm not allowed to use Chase anymore. During that time, my friend has back to our country and his visa expired. Then Chase 's worker told me they need to call my friend to verify his identity or something. And they don't accept an international number. But my friend has no way to back XXXX. He is already graduated. They also told me if we couldn't do that, Chase will hold that {$5000.00} forever. My friend tried to call Chase even he is in XXXX, but they told him they need my permission first. When I called Chase 's customer service, they told me my friend need to call them first. Now, after 1 year, my friend won't believe me that I didn't receive that money cause that money has already transferred from his bank account to Chase. But Chase didn't give that money to me and they choose to hold it forever and their requirement is very irrational for me and my friend. I do need that money for my school fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed various incorrect collection accounts on my Equifax report on XX/XX/XXXX via United States Postal Service Certified mail with tracking. My dispute confirmation number is # XXXX. As per my USPS certified mail tracking receipt ( attached ) Equifax received my correspondence on XX/XX/XXXX. Their investigation was completed on XX/XX/XXXX, which is more than the 30 days allotted per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30- day time period, you must delete all of the disputed accounts from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive reached out to the company via the bureaus requesting validation of the accused debt. The company have not responded to my request of validation and is currently reporting inaccurate information and debt amounts on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The last time, I have responded to this debt collector was on XX/XX/2018 n response to their letter on XX/XX/2018. 
I have responded to this debt collector asking them to show proof of the original debt in the amount of {$380.00} and the second one {$890.00} for services rendered by XXXX XXXX XXXX of XXXX and that it belongs to me. They have not done so, yet they keep reporting it to the credit bureaus. It's been affecting my credit score and my overall credit health. I have asked them multiple times, kindly, in writing to supply proof, but they have not.

I have no knowledge of this medical bill and would gladly pay it if I was fully aware of its original existence. The next step will be to file a complaint with the Pennsylvania Attorney General 's office to make them aware of the unfair business practices of this company, followed by filing civil charges against Ability Recovery for violating my credit history without solid proof.

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 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital one offers me a refer a friend program that pays {$100.00} per person that gets accepted. For some reason my link is not working correctly bc every person I refer, I have to fight and argue about my credit. Capital one has denied my last request for the friend I referred XX/XX/XXXX. Yet my friend received his credit on his 2nd statement. Why is it my fault that my link isnt working? Every capital one manager has been rude or not helpful at all. Ive been a customer for 3 years and Im willing to pay this card off and take my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
If a bank can change its fees at any time, without its customers knowledge or consent, then a bank is free to take as much money as it wishes out of its customers accounts at any time. Thats how Bank of America took {$170.00} from me. 

I have a checking account with Bank of America. I was told that there would be no fees in this account as long as there was a balance of {$2000.00}. In XX/XX/XXXX, I withdrew some funds, leaving about {$2100.00}. I made no further withdrawals until XX/XX/XXXX. For years, I had been charged no fees. Starting in XX/XX/XXXX,  Bank of America began charging me {$25.00} every month. They made this change without notifying me, and therefore without my knowledge or consent. If I had known, I would have acted to avoid these charges, probably by closing the account. I do not receive paper statements. Since I wrote no checks during XX/XX/XXXX, and I had no reason to believe that Bank of America would start taking my money without informing me, I saw no reason to look at bank statements online. As a result, I did not find out that they had taken my money until I went online on XX/XX/XXXX. By that time, Bank of America had removed {$170.00} from my account. I called Bank of America that day. In that call, the operator confirmed that Bank of America had not informed me that they would suddenly start charging fees, and she had no explanation of why the alleged fees changed in XX/XX/XXXX, but she refused to pay the money back. 

I was told that Bank of America would investigate, and I should wait for a letter with the results. The letter says no bank error occurred when assessing the Advantage Monthly Maintenance Fee on XX/XX/XXXX through XX/XX/XXXX. The letter does not even attempt to explain why there had been no monthly fee in the months before XX/XX/XXXX, or why I was not informed that this would change starting on XX/XX/XXXX. In other words, they asserted without any evidence or explanation that they were right, and refused to examine the problem. I then closed the 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 monetary relief