BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX These addresses above are on my report and are not addresses I lived in, 1 is my sisters and 2 are my parents which I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo bank in California, there was missing money in checking and savings. I closed 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 explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to Transunion on XX/XX/XXXX. I have a security freeze on my credit report due to identity theft XXXX. The issue I have was with one of the security questions. The question asked, which state ex husband lives in? The problem is I've been divorce for 17 years. I've only spoken to him twice in the past 17 years. Ironically last time I spoke to my ex-husband was XXXX. I requested to have that information removed. I was simply bothered because there is no affiliation, no contact. I'm not sure if anything was applied in my name. I felt the need to report this 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 explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent my personal and exact information from all 3 bureaus back to them via certified mailing and waiting to receive an update on my credit report to remove all negative and improper information on my credit report using the FCRA law that is illegal to gather my personal information for things that are unrecognized and selling information that arent opened to me actively and unable to apply to future loans and purchases for my FICO and/or credit score via XXXX. Dates from XXXX to XXXX with auto, credit cards, hard inquiries, and late payments inaccuracies are unavailable of receipts from these companies. I need a change of my credit report even as closed with monetary relief should be accounted for with my report status.

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 2023-04-24
Company: GOLDMAN SACHS BANK USA
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
*THIS IS NOT A DUPLICATE- ADDITIONAL EVIDENCE ATTACHED* I can not believe I have to keep fighting this. GM states I am responsible for late fees and interest because I did not make payment from XXXX to XXXX. I paid the account in full on XX/XX/XXXX for all charges up to that date. There were only 4 charges after that. {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. THESE WERE FRAUDULENT/UNAUTHORIZED charges. All 4 have been disputed and APPROVED by GM. I have attached the 4 approvals and the statements with the original charges. GM is stating that because I did not make payment on unauthorized charges, I am responsible for the late fees and interest that accrued on those unauthorized charges. How is that legal? All authorized charges were paid in full. The late fees and interest are on the 4 unauthorized charges. Once the disputed charges were investigated and REMOVED, shouldnt all subsequent fees and negative reporting be removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service Team, I am writing to you today regarding the permanent limitation of my PayPal account, which I believe was done in error. My PayPal account email address is XXXX. 

I strongly believe that this limitation was placed on my account due to a mistake. I have not violated any PayPal policies, and I have always followed the terms and conditions of the PayPal user agreement. 

Therefore, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a re-investigation will show that there was no violation on my part, and that my account should not have been limited. 

I have been a loyal PayPal customer for many years, and I have always valued the services provided by PayPal. I sincerely hope that this issue can be resolved quickly, and that my account can be restored to its previous status. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Im not using any third party for this matter. I represent myself by myself. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and included this report in a package. 
Please remove these fraud items from my report as soon as possible : 1.XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 2. XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; 3. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.

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 2023-02-27
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act the list of accounts Below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A 15 U.S.C 1681 section 604 A 15 U.S.C 1681 c. ( a ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 ) And Other U.S.Codes Each account is in the following attachments list in the Credit Reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CarMax, 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: Account information incorrect

Complaint:
Carmax financial reporting 60 days late on credit reports. XXXX XXXX, XXXX. Please fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My daughter had just sent me some money on Chime app and I was logged out of my account so I go on XXXX and look up technical support with Chime and apparently It was the wrong number they was acting like they were techno support So they asked me for a number out of my phone and they got into my phone and start controlling my account to get the password once we got to the password they put in their own password at that point I realized something was going wrong And then a email was sent on pay a friand or pay anyone Once I feel like some suspicious is going on I immediately hung up and they was continually calling me back while my money was yet still in the account I call the real Chime number to ask them how can I close my account and to let them know someone was in my account trying to hack it before the money even left my account After a while I realized a {$1100.00} was withdrawn out of my account and my password was change I changed my email to the account and password It was the only thing that I could do Chime said password was changed again I put in the claim and maybe a hour later the Claim Had denied The claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to reach the bank today XX/XX/XXXX by phone, to open a disput on 2 transactions made with my debit card. Was impossible to speak with a representative, long time waiting. 
I need to dispute these 2 transactions for merchandize not received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} It was 2 smartphones XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, it was a smartphone XXXX XXXX XXXX XXXX XXXX Both purchases must be delivered on or before XX/XX/, I tried to contact the merchant on XX/XX/XXXX by phone and contact webpage form. Nobody answered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17
Company: National Enterprise Systems, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a collection letter stating I owed {$3700.00} for a student loan, school name was not on the letter and Im sure I didnt attend any school in 2001 ... this collection is not mine and my sis is being used ... what can I do to prevent my SS # and name from being used?

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 2023-04-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I continue to have issues with my primary checking account at USAA. I deposit and withdraw/ pay bills via this account. USAA does not have many brick and mortar facilities at all and NONE in XXXX/ XXXX XXXX. They have chosen to save money by utilizing the mobile deposit feature. They allow you to access funds immediately if you have built up a certain credibility with their firm. I have. I have been a member for 12 years. I deposit and withdraw a great deal of funds and on a frequent basis. I own a small business which utilizes credit cards in my name. I pay them off on a monthly basis, but I get reimbursed by my firm. I deposit a check and then pay them off frequently. 

A few months back, USAA mysteriously removed my access to my account. I was livid. I couldn't see or do anything with my funds. They didn't give me a reason after talking to a couple of people. I told them that I frequently deposit $ XXXX ( which is their limit ) checks from my company. This might have raised a red flag. They never confirmed anything, but after 3 days I was able to access my account. 

Now, last Friday, XX/XX/XXXX and two Fridays prior on XX/XX/XXXX, I deposited $ XXXX each. Both times a large portion of my funds were restricted for a week. I called in furious because this has not happened to me before. They stated that it was because of insufficient funds. Well, I received that notice 4 months prior ( and after depositing many other large checks in the interim ). The only reason I got that notice was because I deposited a check and then paid a bill and the timing on USAA 's part caused the NSF. Crazy! I can not believe the US still takes several days to settle funds. That is archaic. 

Anyways, the first time i called in the rep was able to get my funds released. Today, I got the run around. First, they said it was impossible. I told them that the prior rep was able to do this. I was not happy. They finally conceded that the rep shouldn't have done that and they continued to refuse my funds. I worked with XXXX and a lady that has a name that starts with a 'Z '. 

This seems to be arbitrary and discriminatory. As a minority who has done well for himself, but had to go through a lot of discrimination, this reeks of 'we like him/her and don't like him/her '. This is redlining at its worst.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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 want to dispute some unknown inquiries on my report 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 explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote to Bank of America in XXXX and XX/XX/XXXX  in regards to an accoun that they show as a " Charge-off. '' ( See attached letters ) I asked them to provide me with information of the alleged outstanding amount along with charge and payment history on this account. In return, they sent my a " One Paragraph '' letter with no identifying information as to determine if this outstanding amount belonged to me. ( See attached letters ) Nothing other than the same letter with different dates was ever sent to me based on my request.

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 2023-02-27
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize this debt, it is past the statute of limitations, they are also parking this debt illegally on my credit reports, with no collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX there were two transactions for {$480.00} that should not have been taken from my account. Total being {$960.00}. I filed a dispute immediately .They provisionally credited my account a month later which is far past dispute resolution timing in XX/XX/XXXX for only half of the amount but sent an email saying the provisionally credited my account the {$960.00}. I inquired on this many times. Got slim to no real response on this. Finally On XX/XX/XXXX they stated they were going to investigate this and get back to me. On my fifth they reversed the provisional credit. I filed a rebuttal and asked for documentation on their decision. They sent me redacted photos of basically nothing and also transactions from a persons account that is not even mine. I have asked about this time and time again. Reached out again end of XX/XX/XXXX. They told me to file a rebutal with them. Before i could do so, they closed my accounts, leaving me with a negative balance and no way to access my accounts, and my secured card now closed on my credit report which made my score go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Back in XXXX of XXXX I was a victim of Grand Larceny/Identity Theft/Auto Fraud . The accounts open with XXXX XXXX XXXX XXXX and TD Auto Finance LLC was not open by me and is fraudulent also enclosed is a copy of a letter from XXXX XXXX XXXX Attorney XXXX XXXX verifying that these accounts are fraud and was not open by me case Number XXXX I demand these accounts be removed from my credit file within 7 business days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Colony Brands, Inc.
State: AR
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/2023, after unfreezing my credit reports, I set up a direct payment to clear off two debts that were showing on my credit reports. The companies Seventh Ave and XXXX XXXX both of the same address XXXX XXXX XXXX, XXXX, WI XXXX. As agreed the direct payment was paid to these two accounts via a bank draft. AFTER the accounts where cleared by my bank, the companies came back onto my credit file, first marking the account as paid, then came back later the same day and reported that the accounts where charged off, which is a lie. They were both paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just checked my credit report and noticed that an item was illegally inserted from XXXX XXXX ( {$7300.00} ). I have never had a contract, spoken with anyone from the company nor received any time of written communication from them. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes : The amount owed. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. A statement that if you request information about the original creditor within 30 days, the collector must provide it.

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