BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: FIRST HORIZON BANK
State: TN
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/2021 I went into my local First Horizon bank the address being XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX, to inquire about why I was charged a XXXX dollar overdraft fee. While I was inquiring the teller printed out something and it charged my XXXX to my account. I never saw the print out. Then she has me sit and wait on someone. It was a relationship banker. I had asked for a manager and she said wait and there would be one there. I never got to talk to a manager. So I sit down with XXXX XXXX XXXX to discuss the overdraft fee and pull my account up and see that they charged me the two dollars for a print out without my consent, without my authorization, unbeknownst to me. I then ask XXXX if that was against policy to do that without me knowing and she admitted that it was against policy. I believe its actually against the law. 


This was the original complaint. They didnt comment on the fact that XXXX did indeed agree it was against policy to charge that especially without my consent. The teller didnt have authorization to print the form. Without authorization from me, it was indeed against policy. So what policy was she admitting to you guys breaking? I didnt authorize the printing of any form. So you are twisting the story to fit your intended outcome. Im not ok with this. Its not lawful or constitutional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: BARCLAYS BANK DELAWARE
State: MI
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:
Over two years ago I closed a Barclays Choice Privilege Credit card ( XXXX of XXXX ). In the Spring of XXXX, I received a {$10.00} charge on that same card that has been closed. I immediately called and told the associate the I closed this account, in which she agreed and would forward the complaint. I have sent two letters to Barclays in which their response on the first letter was for me to call the number on the back of my credit card. I then sent a second letter explaining that the account was closed etc. I then called a representative and she go a supervisor on the line and they explained it would be taken care of, which it wasn't. Now, XXXX months later, I continue to get emails that my account is delinquent etc. Keep in mine, this company has ruined my credit rating which went from XXXX to XXXX in a short period of time all over a {$10.00} charge the I did not make. Finally on XX/XX/XXXX I got a letter they have closed my account for suspicious activity ( which they did not ) as I closed it over 2 years ago. They also stated that I would not be responsible for the charges during the investigation.The investigation should be simple, the account was closed 2 years ago and the charge came in a year and one half later. As of today, I continue to get emails that my account is delinquent

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 2018-02-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with this Ad Astra. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: TN
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, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: NY
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  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX showing up on credit report stating I owe them XXXX. This insurance was cancelled by XXXX XXXX on XX/XX/2021. 

I called XXXX XXXX in an effort to explain why I owed this amount of money when the insurance was cancelled by them. I was told that I am still responsible for the debt even though the insurance was cancelled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Account Info Account number XXXX I was recently looking at my Consumer report and notice that they are incorrect across the reporting agencies and for my understanding the consumers report are suppose to report accurate, timely and verifiable information. I notice that on Equifax I have exceptional payment history and the other two reports they have me as being late. Now who is telling the truth? This is embarrassing and does not meet the standards of XXXX XXXX and I say delete this inaccurate information. according to the consumers law this is inaccurate information and confusing and a detriment to my profile. I need this to be removed. I have upload the following report and they are in fact incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: VA
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 address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/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 2022-10-18
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On or about XXXX XXXX, 2022, Chime unilaterally closed my checking account without any prior notice or warning to me. 

I only learned of the closure when I tried to log in to my Chime account and saw a pop-up message that my account was closed and to contact Chime. I received no prior notice from Chime about the account closure. I also never received any communication from Chime that there was any issue with my account or that I need to verify/confirm anything. 

I had {$700.00} in the account when it was unilaterally closed by Chime. 

Upon learning of the closure, I immediately emailed Chime to confirm what happened ( the email is attached ). Chime responded that they could not tell me why my checking account was closed and that I am " not eligible for refund '' of my own money. Chime did not provide any reason and instead referred me to " review the section titled XXXX and XXXX in the Chime XXXX Account XXXX : https : //www.chime.com/policies/. '' The policy that Chime cites actually provides that Chime is to return any remaining balance in the account within 14 days of closure. Even without this clause in the agreement, I am confident it is illegal to withhold and not return customer 's money. 

I did not do anything wrong or illegal to justify the closure and withholding of my hard-earned money. Again, Chime did not ask me to provide any documents or verifications and did not alert me that there was something wrong with my account. 

Upon learning of the account closure, I searched online and saw that Chime has been in the news for closing accounts and refusing to return customer 's money, and I am among thousands of affected consumers. I also searched the CFPB database and saw that thousands of consumers filed complaints similar to mine. 

Chime violated my trust and I no longer want to have any business with this institution. I only want my hard-earned money back. 

I am asking you to kindly assist me in getting my money ( {$700.00} ) back I had in my checking account with Chime. I am also asking you to investigate Chime 's pattern of closing customers ' accounts and retaining customers ' money. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Transworld has repeatedly violated the law for continuing to report monthly this alleged debt when they are NOT the original creditor. Transworld Systems hasnt been able to provide any proof that they are they original creditor and I have not validated the debt as The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

This company is in violation of my consumer rights. According to 15USC 1692g Transworld Systems has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX i sent a letter to Transunion and I have not heard anything back still. I sent to them proof of the inaccurate information reporting on my credit and how another bureau has already taken it off because it is inaccurate. The account name is XXXX and its 4 accounts that are reporting inaccurate that need to be deleted. These accounts reporting on my credit report are hurting me from purchasing a home and the fact that they are inaccurate makes it even worse. This is so stressful to deal with on top of everything else thats going on right now in our country.

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 2021-12-12
Company: DISCOVER BANK
State: PA
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:
In trying to obtain funding for a real estate need, I was turned down because of information shared by XXXX with the potential Creditor. I obtained a copy of my Credit Report and discovered that XXXX is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's XXXX XXXX is incomplete, incorrect, unauthorized, it must be deleted upon the request of the XXXX. 

The errors ranged from : XXXX incorrect SS # XXXX XXXX XXXX XXXX  ). mine is XXXX. 
XXXX incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called XXXX about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have XXXX show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. XXXX collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I just received my credit report, and noticed unauthorized items reported on my credit profile. My identity was stolen and someone went out of town and fraudulently used my identity. 
I happen to get an email also verifying the information.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-14
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:
I'm in the process of buying a home and upon checking my credit report, there are damages on my credit. According to 15 U.S.C. 1681 law there should not be any damages on my report. This is a defamation to my character. I have tried multiple time reaching out the credit bureaus and the damages were not fixed. I also reached out to the creditors and NEVER received a response and I NEVER gave written consent to report anything on my consumer report which violates my rights!!!!!!

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