BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Lewis, McDonnell & Associates
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have received notification of a debt collection added to my credit report but have not been contacted by phone or letter regarding the validity of the account claiming to collect. 

Debt Collector Lewis McDonnell & Asso Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Balance {$460.00} In accordance with the Fair Credit Reporting act for the following Lewis McDonnell & Asso Account XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
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:
Nelnet student Loan account XXXX has reported inaccurate information on credit reports. Report states I have 7 missed payments during the period of XXXX. During this period, I am protected by The department of Education 's covid 19 student loan forbearance program. There were no payments due at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
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/2023, I was in XXXX XXXX on a business trip. I was fairly inebriated when I walked out of my hotel room and was lured to a bar in XXXX XXXX by two women. They then convinced me to take money out of my account and made note of my pin #. That is the last thing I remember, as I was XXXX and XXXX and woke up in a park around XXXX XXXX on XX/XX/XXXX. The thieves used several of my cards and my phone to access funds from several accounts ; however, Chase Bank is the only one that has denied my claim. The thieves made transactions on XX/XX/XXXX for an XXXX ( {$25.00} ) and two non-Chase ATM withdrawals ( {$100.00} ) and ( {$200.00} ) and sent money via XXXX ( {$20.00} ). On XX/XX/XXXX I was charged 3 non-Chase ATM fees @ $ XXXX. ( {$9.00} ). They also sent a XXXX payment via my account ( {$500.00} ) and made another non-Chase ATM withdrawal ( {$63.00} ). They then made three back-to-back purchases at a XXXX nowhere near XXXX XXXX that included cash back each time ( {$200.00} + {$40.00} cash back ), ( {$200.00} + XXXX cash back ), and ( {$490.00} + XXXX cash back ). My total losses = {$1900.00}. While Chase initially credited these funds back to me, they later reversed all of them. Because the thieves used my pin code and had my card with them, they said that proves it was me. This despite my spending history in no way reflecting the transactions that took place between the evening of XX/XX/XXXX and on XX/XX/XXXX. I told the cab driver about my experience on the way to the airport and he described exactly who the women where, where they took me, and everything in between. Apparently, they are well-known for victimizing men in compromised conditions in that area and do it all of the time. I have found several stories very similar to mine online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
TD Bank is reporting to XXXX an account that doesn't belong to me. 

According to report, it was opened on XX/XX/2022 & closed a day later on XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Early Warning Services, LLC
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:
XXXX is reporting incorrect information to EWS. My report shows the wrong closure date, phone numbers that are not associated with me, previous account status as being overdrawn and driver 's license ID that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: LA
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:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
I'm requesting XXXX be done on these accounts because it was not done properly. These accounts can not have been properly investigated because they are Closed accounts being reported as Open month after month. This is a violation of my federally protected rights and it is wrong for the Credit Bureau to allow these companies to continuously report these accounts delinquent every month. This is knowingly reporting Inaccurate information every month, therefore it must be deleted. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act of these accounts : XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXX. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( XXXX ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and they must be deleted.

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 2023-08-23
Company: Synovus Bank
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: Reporting company used your report improperly

Complaint:
This is my formal complaint to 1STPROGRESS/XXXX for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates does not have a license to legally collect debt from me or anyone else. The debt I am accused of owing is not mine and I have no knowledge of it. I have asked them to remove and delete this from my credit report many times. They have sent someone to my home many times to try and serve me papers to sue, the papers were never handed to me directly. The person who delivered it left it on my front door 's gate and walked away. I don't appreciate the harrastment that Portfolio Recovery Associates have done, from excessive phone calls to someone showing up to my house countless of times after they were asked not to come back. I don't not owe this debt I am accused of. I would like the CFPB to please assist so that I am treated fairly and have the debt deleted from my credit report for good. Portfolio Recovery Associates does not legally have a license to collect debt from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
It was a few years back and wells XXXX closed my account leaving me with XXXX negative balance

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 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My ex-husband sent me a text that he received a call from " XXXX XXXX XXXX trying to contact you in reference to your case. The phone number is XXXX. Reference XXXX. '' I have no idea who this is or what they are talking about, and I have no idea why they contacted my ex-husband. I called the number and spoke with a " XXXX '' who told me I had been approved for an American Express line of credit and could I verify the last XXXX digits of my social security number. I asked her if this was a law firm, and she said yes, that she was calling from XXXX XXXX XXXX, the XXXX XXXX, in XXXX, Georgia. I asked her to send me something in writing. She said my " file '' was locked and had a red flag, and there was a lawsuit against me in process. She said she would open the file and then said that it was going to be processed and a Sheriff come to serve a Complaint because I hadn't paid an American Express bill. I do not have an American Express card and have never applied for one. I advised her that I was filing a Complaint against them for their bogus, harassing and annoying phone calls and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: U.S. BANCORP
State: DC
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:
XXXX sold a defective product that was falsely advertised with respecting to the listing on XXXX 's page. Then, XXXX took the following actions : XXXX. XXXX 's customer service agent XXXX promised that the refund would be processed for this item to the original form of payment. " Please don't worry. '' " You will get the refund. '' " In your original payment method. '' 2. The website also assured that the " refund has been issued '' and that " A refund will appear on [ my ] bank account or credit card statement within the next 7 days. '' None was received on my Fidelity credit card statement. Please note that these two pieces of evidence of Amazon 's actions towards to the customer were submitted as evidence at the beginning of the Fidelity dispute investigation process and have also been attached here to this CFPB complain.

I then contacted Fidelity, who was negligent in investigating the case. Fidelity sided with the merchant citing the merchant 's return policy. Per that described above, the merchant deliberately prevented the customer from following the merchant 's return policy by lying to the customer, which was communicated to Fidelity multiple times. Fidelity was provided all of this documentation but was negligent in investigating the claim and, in fact, incorrectly investigated the claim. Moreover, the Fidelity case processor working on the case did not return callback requests that their customer service agents had put in for the case processor.

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 2023-03-07
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX I Notified XXXX XXXX OF AN UNAUTHORIZED WITHDRAWAL, FROM AN UNAUTHORIZED DEPOSIT FAILED TO INVESTIGATE. CREDIT ACCOUNT DURING INVESTIGATION OR NOTIFY. 
Failed to provide mandatory disclosures required or permission to create and deposit funds into portal for EFT transactions according to EFT ACT. 


Re : Account ending in XXXX. Investigation Results Dear XXXX  I am writing to request an immediate update on the investigation into the unauthorized transaction that was made on my account on XX/XX/2022. As per our previous conversation on XXXX XXXX, I was informed that an investigation was being conducted to determine the source of the transaction and to rectify any potential issues with my account. 

However, it has now been more than two months since the investigation was initiated. and I would like to remind you of the time allowed for initial requirements and penalties for non-compliance with 15 USC 1693m. Credit account within 10 days of consumer notification the amount unauthorized. Notification to consumer in writing of investigation results, no longer than 3 days after conclusion of results. If a financial institution fails to comply with the requirements of this statute, it may be liable for actual damages, statutory damages of up to {$1000.00}, and treble damages in the amount of the actual damages or {$5000.00}, whichever is greater. 

As a customer of your institution, I have the right to know the status of this investigation, including any actions that have been taken to prevent similar unauthorized transactions from occurring in the future. Additionally, if there were any charges or fees associated with the unauthorized transaction, I expect to be informed of the steps taken to refund these charges. 

As a reminder, I have previously provided you with the following information : The date of the unauthorized transaction The amount of the unauthorized transaction The specific details of the transaction I urge you to provide me with an immediate update on the investigation 's status and let me know the expected time frame for its conclusion. If there are any updates or changes to the timeline, please inform me promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SANTANDER HOLDINGS USA, 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: Reporting company used your report improperly

Complaint:
This is my formal complaint to SANTANDER CONSUMER USA for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: First Credit Services Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call yesterday, XX/XX/2023 and approximately XXXX from First Credit Services . After speaking with them, I was unaware of the debt they stated I owed. I explained that I would like to dispute the debt. The person on the phone gave me my file number and an email I could send information over to. Immediately following the conversation, I wrote out a dispute letter asking for all the information about the debt, wanting proof they can collect debt in the state of North Dakota, etc. If I know my rights correctly, they are not allowed to attempt to collect the debt after the dispute has been made. The gentleman I spoke with on the phone also stated he was making note that I am disputing the debt. Today at roughly XXXX, I received an email from the company with an attempt to collect the debt. The email is a copy of what they would send me in the regular mail to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Zelle Corporate Headquarters Subject : Urgent Matter - Fraudulent Activity on Zelle Account Dear Zelle XXXX XXXX, I hope this letter finds you well. I am writing to report a serious issue involving fraudulent activity on my Zelle account, which I believe requires immediate attention and resolution. 

I recently discovered unauthorized transactions that have taken place using my Zelle account credentials. These transactions were not initiated by me, and I suspect that my account might have been compromised or involved in a scam. The unauthorized transactions have caused a significant financial loss to me and have raised concerns about the security of my account. 

I kindly request that your team investigates this matter promptly. It is crucial that the fraudulent transactions are reversed, and the necessary steps are taken to secure my account from further unauthorized access. I understand the importance of cybersecurity and customer protection, and I trust that Zelle takes these matters seriously. 

To assist with your investigation, I have included the following details : 1. My Zelle account username : n/a 2. Date of unauthorized transactions : NONE XXXX. Description of unauthorized transactions : NONE 4. My contact information : Email Address : XXXX Phone : XXXX I would appreciate it if you could keep me updated on the progress of your investigation and the steps being taken to resolve this issue. Additionally, if there are any actions I need to take on my end to enhance the security of my account, please let me know. 

I am confident that Zelle 's customer support will handle this situation promptly and efficiently. I urge you to prioritize this matter due to the financial and emotional distress it has caused. I am hopeful that we can work together to resolve this issue and restore my trust in the security of my Zelle account. 

Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this distressing situation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
Am Having a Problem with Chime Account for some reason Purchase Something From XXXX {$110.00} and i return the item back to XXXX and They Received it back and i still havent gotten my refund for this transaction I contacted XXXX about this Issue and They confirmed they received the item back and it also shows on the tracking that the item was delivered back to XXXX XX/XX/2023 and XXXX Still Hasnt done anything about this and i contacted chime and filled a dispute and show for this transaction and chime still hasnt resolved my claim or do anything and i provided chime item return delivery tracking number for the return of the item and also screenshot of the return being received by XXXX and XXXX still hasnt responded to my claim : XXXX XXXX Tracking Number For the Return : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
While I was incarcerated funds were transferred out of my account and they denied my claim requesting they be returned. The money was my XXXX school money for my text books.

Company response to consumer: Closed with explanation