BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today a thief gained access to my account by making ATM withdrawals from a XXXX in XXXX, GA. They got away with {$800.00} of my XXXX  XXXX money. I can not pay my mortgage. I disabled the card, reported it to the bank, and made a police report. 

My issue is when I called Chime/XXXX a supervisor, XXXX, was rude and dismissive. The bank can not tell me how an ATM withdrawal was allowed without using my card or my PIN number. NO ONE knows my PIN number so even with the card number I dont understand how this was possible. I was told I would have to wait to have my funds returned to the account but XXXX would not provide a timeframe for completion. I asked to speak with a manager over XXXX and the Chime employee told me he had no boss and signed his own checks. 

I am a XXXX Veteran and the money stolen was my XXXX  XXXX check to pay my mortgage and bills. I need my money returned and a explanation on how the thief got access without my PIN number. 

This company has received hundreds of similar complaints but no one seems to be doing anything to stop them from this illegal activity. If someone can access my account from an atm without a card or the PIN number how can one ensure the funds are secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: VA
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 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is about an unauthorized money transfer to an account in XXXX that occurred through Western Union. 
XXXX  # - XXXX Date and time : XX/XX/2022 XXXX ET Amount : {$980.00} Summary : Western Union sent money to an account in XXXX without my authorization and are not forthcoming with any information about the transfer. 

I have a user account with Western Union and have used their services to transfer money to my account or my father 's account in XXXX in the past. I have used my XXXX account in the past to send money through WU. 
On XX/XX/XXXX, WU did a transfer of {$980.00} to an account in XXXX I do not recognize and I had not authorized or initiated this transfer. It's definitely fraudulent and I need my money back. 
When I asked XXXX to give me information about this transfer and who initiated it they told me they would not tell me anything and would have to talk to the law enforcement about it. They would only respond to the police and not me. I spoke to police who said, WU should give me this information on request but they continue to decline. 
Western Union does not have correct security practices to avoid such an unauthorized transfer and they did not even send me a notification via email when someone ( fraudulent ) did initiate this transfer. They are not acting in my best interest and appear to be fraudulent themselves. 

I currently have a transaction dispute launched with my Bank XXXX which should take another 15 business days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted during the Pandemic by Jefferson Capital Systems , LLC which said they purchased a credit card account I had with XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX had already inflated my credit amount ( by giving me incorrect balance amounts while on vacation and this card services allowed me to keep charging over the balance limited amount ) and the result was financially impossibility for me to settle. The XXXX card began to charge over the balance fees, late fees and some other charge fees. the balance was almost {$2000.00} over the limited. Then the Pandemic happened and I could not afford to pay the XXXX card. 

During the Pandemic Jefferson Capital System, LLC contacted me to create a agreeable settlement. I agreed to settle with a final 1 time payment of {$2100.00}. Purchased a bank check, after they drafted a letter which said the debt would be paid in full upon receipt of the proper check. See attached letter and proof from Jefferson Capital Systems , LLC This collections has messed up my credit with XXXX and XXXX XXXX. I sold my auto which had expensive repairs and often inoperable. Now I can not qualify for a auto loan because of this false collections. Auto loan companies use XXXX and XXXX XXXX... I have either been declined or received very high interest offers. Can You help? XXXX does not show this collection and my score is much higher ( Good status ) but auto loan companies do not use XXXX as I have been told. What a racket hurting the general public and making are life worse. Again can you help this XXXX single women?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: CL Holdings LLC
State: MI
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 number XXXX XXXX XXXX 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 out furnish an account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Address Correction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my card was charged {$120.00}, which went through at a XXXX XXXX in XXXX XXXX California. Immediately after, they tried to charge the card again for the same amount, which Bank of America Blocked. Immediately after that transaction was blocked and I was sent a message I called and reported it, and was sent a new card. I explained to them the day before I stayed at a sketchy hotel that I caught someone trying to enter my room in the morning. Ive never been to that XXXX, or XXXX XXXX so it definitely wasnt me. I assume because I had the card in my possession they think it was me, but its so common these days for people to have those card skimmer things. Ive been with BOA XX/XX/XXXX years and maybe had 4 claims the entire time, I would not steal that money and I certainly wouldnt got to 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 monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I file for the Equifax Data Breach Settlement on XX/XX/2023. Several weeks I received two emails that I needed to provide certain information to receive a reissue of my check. I have been calling up until the present. It is now XX/XX/2023. The agents are evasive and refuse to pass me to a supervisor the two time the a proposed supervisor called intentionally when I could not get calls. I strongly, feel they have to call go straight to my voicemail. There are so many red flags. I need to one. Establish that this is legitimate and not a scams. I put my information out there. I there this whole thing is suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy. 
15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy. 
15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXXXXXX XXXX I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. 
Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regards to this matter. 
Your cooperation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter today from Dynamic Recovery Solutions for an outstanding debt that was paid off years ago. I believe this company called family members and were very harassing. They reached out to family members and released personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Block, Inc.
State: CA
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:
On Saturday, XX/XX/2022 I visited a website to purchase ( XXXX ) tickets for a XXXX concert event. The total cost was {$370.00} ( USD ). Upon the payment confirmation page, a dialogue box appeared that indicated I would receive a confirmation email as well as the tickets to enter the event that I would, specifically, need to print to enter the event. The confirmation email never came on that date or any other date after that date. 

The merchant appears as XXXX XXXX XXXX LL on my transaction history. 

I made this payment with my CashApp XXXX. I immediately contacted CashApp on the same date because I was unable to reach any listed number or email with the event organizers. I knew I needed to contact CASHAPP because the event had started and the payment still showed pending. Without proof of the tickets or email, I was not going to be able to enter the event. 

I have contacted CashApp Support on the following dates with no resolution : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 CashApp support representatives have been giving me the runaround since that date. I have followed up with them over a dozen times and they continuously tell me that my issue is being escalated. They never provide any updates on the investigation, nor have they credited my account for the amount taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-10-18
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed a Bankruptcy on my XXXX Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way XXXX verified 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 2021-08-03
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After working for the XXXX XXXX for a number of years and making payments toward my federal student loans under PSLF, I decided to go back to school part time and get a XXXX XXXX. After I went through the financial aid process and started classes in the fall XXXX term, I called and spoke with FedLoan Servicing who advised me that it was categorically not possible to continue to make qualifying payments under PSLF while I was enrolled in XXXX XXXX. I continued to work full time for the XXXX XXXX  while going to XXXX XXXX for another four years. I did not make payments during this time and instead put my loans into forbearance where it accrued a considerable amount of interest. I now have {$470000.00} in student loans ( {$63000.00} of which is interest ) and am trying to plan my career and life around how to repay that. I have since learned that I actually could have made PSLF-qualifying payments while in law school -- this means I lost nearly four years in qualifying payments. In addition, the payments that I made under PSLF while I was working for the federal government before law school do not appear in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' feature on FedLoan Servicing. When I've reached out to FedLoan Servicing they weren't able to help. I should have kept records of every payment and notes of every conversation -- but it didn't occur to me that in such a major transaction, the financial institution wouldn't keep my payment records or would give me incorrect information about something so critically important. I worked for the XXXX XXXX for seven and a half years -- from XX/XX/XXXX to XX/XX/XXXX -- but I am looking at starting over with a completely blank slate. Is there anything I can do to avoid this outcome?

Company response to consumer: Closed with explanation