BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
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:
I XXXX XXXX XXXX DISPUTED : 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX ON XX/XX/2022 AND XXXX XXXX. EXPERIAN HAS STATED THEY VERIFIED THE INFORMATION. ON XX/XX/2022, I FILED A COMPLAINT WITH YOU THE ( CFPB ) REQUESTING THAT EXPERIAN PROVIDE ME THE Method Of Verification Using FCRA 611. 

THEY RESPONDED WITH NONE OF THE INFORMATION I REQUESTED. 



EXPERIAN HAS FAILED TO PROVIDE ME WITH A COMPLETE AND ACCURATE REPORT. 

THEY ARE ALSO IN VIOLATION OF SEVERAL OTHER LAWS LISTED BELOW : 15 U.S.C 1681 a.1.a 15 U.S.C 1681 ( a ) ( 4 ) MY RIGHTS TO PRIVACY 15 U.S.C 1681 ( b ) DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO I THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION.

15 U.S.C 1681b ( a ) ( 2 ) NEED WRITTEN PERMISSION 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance.

SECTION 609 OF THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]

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 2023-06-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice detailing someones debt that I do not know from the Law Firm of Weltman, Weinberg , & Aries Co., LPA titling me as a fiduciary. It allows me a few options to respond that include me disputing the debt, me asking for the original creditor information, or paying the debt. 

Included on the statement is the amount owed, the name on the account and the last 4 of the account number. 

Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: ALLY FINANCIAL INC.
State: FL
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:
Ally Bank deducted {$170.00} from my checking account ending in XXXX for ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX UNITED STATES on XXXX XXXX. THIS WITHDRAWAL IS FRAUDULENT> IT WAS NOT MADE BY ME AND NOONE ELSE HAS MY CARD ( now inactivated ) OR MY PIN!!! 

ALLY BANK refuses to reverse this charge despite my complpaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023. 

ALLY BANK is in receipt of a police report from XXXX XXXX XXXX XXXX XXXX Case Master Report XXXX Date Initiated XX/XX/2023 Additionally, DESPITE ALLY BANK 's RECORDS THERE IS NO ATM AT THE GIVEN ADDRERSS!!! 

THIS IS OUTRIGHT FRAUD AND MY {$170.00} NEEDS TO BE REFUNDED 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 2023-04-21
Company: EQUIFAX, INC.
State: CT
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
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:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NV
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:
TRIED MULTIPLE TIMES TO OBTAIN CREDIT REPORT. 
SAYS ITS BLOCKED AT THE BACK END. 
PROVIDED ESCALATION CASE NUMBER XXXX WAS TOLD THAT TECHNICAL SUPPORT WILL REACH OUT TO ME AND FIX THE PROBLEM, HOWEVER NO RESPONSE TO DATE Equifax message displaying : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at 1-888-EQUIFAX ( 1-888-378-4329 ). 

XXXX  message displaying : " Sorry, we can't show you today 's XXXXbureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Chime Financial Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
2 charges appear on my credit card dashboard statement. one for {$42.00} on the XXXX of XXXX and the other for {$84.00} on the XXXX of XXXX. I called the credit card company on XX/XX/XXXX  to alert them of these unauthorized charges. The rep came on the line but did not seem helpful at all. the rep said that they will credit me back the unauthorized charges back to the credit card but nothing was explained. Instead they just decided not even to investigate anything and deny the dispute without investigation anything. Wow very weird situation.. Please help with this matter CFPB they seem to ignoring federal law Fair credit billing act among other laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX 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 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 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 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 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 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 2023-04-21
Company: Experian Information Solutions Inc.
State: SC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this

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 2022-12-21
Company: EQUIFAX, INC.
State: GA
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 declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Map PersolveLLC dba Account Recovery Services LLC Website Directions Contact us XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Closes XXXX XXXX XXXX XXXX PERSOLVE LLC dba Account Recovery Services alleges that I owe XXXX XXXXXXXX and more from a debt to the now defunct credit card XXXX XXXX ( I had never even heard of the now " dead '' and bankrupt XXXX XXXX XXXX XXXX. PERSOLVE bought their debts in XXXX ( 7 years after that credit card co was dissolved by bankruptcy, and then sued me with a Complaint for Money Damages in XX/XX/XXXX. ( The court case is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, caption entitled PERSOLVE v. Karin Piet, for your information, and the file shows a great disregard for ethical litigation practices, I was NEVER served with a Summons and Complaint, and so did not know of the lawsuit until my XXXX XXXX XXXX XXXX  was levied and closed ( around the year XXXX ). In XX/XX/XXXX ( the same month that my husband died ), I was notified of a second garnishment. At this time, I had just received XXXX XXXX XXXX XXXX  from XXXX, which I can prove. On XXXX ( 14 days after my husband XXXX XXXXXXXX XXXX death, they then STOLE by garnishment nearly XXXX XXXX. They also effectively stole my one-time Social Security Survivor award of {$250.00} ( which, Social Security informed me, was taken by PERSOLVE to offset a existing balance. Needless to say, I am filing a Notice to Vacate Judgment, and secondly, a Cross-Complaint for Monetary Damages, Fraud, Unclean Hands, Trickery, Identity Theft, and Intentional Infliction of Emotional Distress. 

Also, when my Notice to Vacate Judgment in this matter was filed ( effectively ) with XXXX, my friend XXXX took it out for personal service at their address at XXXX XXXX XXXX in XXXX ; they were located in a complete " stealth '' building ( 3 floors, key-card access only, no windows ). However, we waited at the door until XXXX XXXX, lunch time, at which some other workers left the building, We effectively served them and they hated it! XXXX XXXX, CFO, Manager, and Agent for Service, was " hiding in a meeting in the other room '' As far as my Cross-Complaint goes, I am going to ask the XXXX  Sheriff 's Dept. to do the personal service, Also, Case No. XXXX is on the calendar at XXXX XXXX. on XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XXXX presiding. 

Please feel free to contact me or my attorney XXXX XXXX for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I transferred money from my savings account to my checking account then withdrew the money. Fifth Third Bank determined this was suspicious activity and locked my accounts. On XX/XX/2022 I went to ATM and withdrew my savings. I spent 3 hours on the phone on XX/XX/2022 trying to straighten out unlocking my accounts. There were sufficient funds to cover all transactions. The bank kept hanging up on me. There seemed to be no more problems until XX/XX/2022 when I attempted to pay my electric bill via bill pay. My payment was held from XX/XX/XXXX through XX/XX/2022. I went to my local bank to ask why the funds were held. The banker told me it was not her responsibility to check into these holds. I was told to call customer service. When I stated that I did not want to be placed on hold for hours, I was told to find another bank if I wasn't happy. I left the bank and called customer service. After 45 minutes the person on the phone said I would have to be placed on hold for third time. I asked her to call me back when she got an answer because I was heading into a doctor 's appointment. I was then informed that they would not call me back and that if I called back later, I would have to start the whole process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I keep accruing overdraft fees when my account is not being calculated correctly. My payroll deposits are being submitted entirely too early and then re posting days later with a ridiculous negative amount along with fees that at the time when process showed money was there. I have not been receiving refunds from companies that shouldn't have withdrawn money in the first place. There have been companies that I didn't authorize taking money and causing more late fees and wells gatgo only wants to take half of the fees away. I have had this account for over 10 years and still this day the same issue is occurring and I'm being charged for fee after fee making it hard to maintain my bills and afford them

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 2023-09-04
Company: Business Revenue Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection company is collecting a debt that we are contesting the validity of, with the creditor. The creditor, a healthcare provider, is trying to collect a debt resulting from a healthcare provider 's error in ordering the medical procedure. Furthermore, the medical procedure was never performed, so there should be no charge that I owe. 

The amount of {$160.00} that the debt collection company XXXX XXXX XXXX XXXX XXXX XXXX ) is trying to collect is part of a statement from the creditor ( New Jersey XXXX XXXX XXXX XXXX. ). We filed a complaint against New Jersey XXXX XXXX XXXX XXXX. ) for XXXX charges from different dates of XX/XX/2023 and XX/XX/2023. After complaining and without explaining the reason, New Jersey XXXX XXXX transferred the charge for the date XX/XX/2023 to the debt collector company, XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Got letters from chase bank stating they were closing all my accounts and credit cards. But never gave a reason..my credit score lost XXXX points and the stress of having to get a new bank and setting direct deposits took hours and days plus we were hit with late fees because we couldnt remember who we did paperless with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a Washer and Dryer from XXXX on XX/XX/2023. I purchased appliance installation on both units, as well as old device haul away for the dryer. XXXX sub-contracts delivery and installation to a company called XXXX XXXX. The date of delivery came and the delivery went smoothly, however the company removed from my home my old dryer ( like I paid for ) but also took my old washer ( specifically did not ). This washer was almost brand new as we had just purchased the home and was replaced by the previous owner. I was not home for the delivery. They also were unable to install either appliance and had me schedule a plumber and electrician to come out with no assistance. The two services that were added onto the purchase were both not fulfilled in the manner they should have. I reached out to XXXX immediately and they said they had already disposed of my working washer that they should not have removed. I got on a XXXX live chat and they said they would solve it with XXXX. I reached out to XXXX again and they said that my issue was with XXXX and they would not be able to provide any further assitance. I got on another live chat with XXXX and they said they would investigate how to get my washer back from XXXX even though it was disposed of. XXXX then said that it was an issue for XXXX to handle internally and they would provide me with an update. Needless to say, both companies want to push the blame onto each other and are leaving me with no resolution. I then contacted Chase as I paid using my card in case anything like this went wrong. I know I have a disputable case as XXXX has clearly not provided the services that were purchased, and have not taken accoutability for the taken property ( washer ). Chase said the original transaction was valid ( I don't disagree ) and there is nothing they can do. I re-opened the dispute as they offer dispute options for services/products not received/as advertised, and again Chase sided with XXXX saying that I willingly chose to purchase and that the original transaction was valid. 
My purchase total was {$1200.00} and my card processed the transaction on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: CT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 explanation