BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: Synerprise Consulting Services, Inc.
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX ... SYNERPRISE  ( Original Creditor : XXXX XXXX  ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Phoenix Financial Services LLC
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have too many isuues with my credit so i am including a letter that goes over all the issues

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 2022-07-20
Company: Chime Financial Inc
State: IN
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 at XXXXXXXX XXXX XXXXXXXX I received an email from Chime saying : " Critical account notification from Chime. You are receiving this notification because our fraud department detected unusual money activity on your Chime account. Log in to your Chime account using the button below to Accept or Cancel this transaction. '' I clicked on the button and entered my username and password when prompted. I then received an email from Chime saying that there was a new login to my Chime Account at XXXX XXXX XXXX. 

At XXXX XXXX XXXX I received an email from Chime saying " You just sent {$1100.00} to XXXX. '' The notification said this person was located in XXXX, Arizona. I am in an entirely different state. I did not authorize this transaction. 

I immediately called Chime to report this fraudulent transaction. While I was on the phone with Chime I received 2 emails from Chime at XXXXXXXX XXXX XXXX saying that my money had been claimed by XXXX. 

Chime told me on the phone that they would open an investigation and that I needed to change my password on my account. A friend was helping me with this. I gave the Chime customer support people permission to speak with her over the phone. We tried to change the password but the person who did the fraudulent activity had already changed the password. We called Chime back for help changing the password. At XXXX XXXX  XXXX we received an email from Chime saying a dispute had been filed. While we were on the phone with Chime about changing the password, we received an email at XXXXXXXX XXXX saying that they had already closed the dispute and had not found an error. 

We immediately asked Chime why they had closed the investigation in less than 30 minutes. We were sent from department to department and they told us to send them all the documentation we had regarding the dispute which we did at XXXXXXXX XXXX XXXX. They then sent an email at XXXX XXXX XXXXXXXX saying that a rebuttal had been opened. However, when I called on XX/XX/XXXX to find out what progress had been made, I found that no rebuttal or new investigation had been made and the dispute was still closed. They then told me they would reopen the dispute. Today, XX/XX/XXXX, I received another email saying the dispute had once again been closed and that Chime found no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: KEYCORP
State: PA
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:
Ive been making payments on time. Suddenly a request for payment increase happened with no notification.

Contacted the bank atty directly- received back dated notification. Credit score dropped almost 100 points.

Doesnt seem fair to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My credit card balance hasn't updated in Transunion in over 50 days. I reached out to my credit card company and was told that updated information was sent to Transunion last month. Transunion said that they haven't received an update from this particular credit card company since XXXX. I was told by the credit card company that updated information is sent every 30 days. My XXXX and XXXX updated last month. Transunion has now issued a dispute on my behalf with my credit card company when my dispute is with Transunion not updating my credit report in a timely manner.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages due to XXXX XXXX XXXX XXXX in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my XXXX and Experian credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to Experian. I have mailed FTC reports to both the company and the bureaus without this being resolved.

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 2022-08-14
Company: EQUIFAX, INC.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages due to XXXX XXXX XXXX XXXX in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my Equifax and XXXX credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to XXXX. I have mailed FTC reports to both the company and the bureaus without this being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018, a payment to my phone bill that I did not authorize came out of my Huntington account. The money was not in this account so my account was overdrafts. The payment was attempted two other times, which I also did not authorize, and three overdraft fees have been assessed, one of which I got returned. The total amount I am out so far is {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Performant Financial Corporation
State: GA
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:
To Whom It May Concern : I have recently been informed that there is negative information reported by PERFORMANT in files maintained under my Social Security number ending in XXXX. D.O.B. XX/XX/XXXX I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2017-06-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have Price Protection on my credit card XXXX through XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX. I have submitted over 12+ claims this year with no problem. I submitted a claim for $ 20+ and had not received the funds, I also received a notice from my bank that one of the checks from the Price Protection was returned as unauthorized and that I would be charged a {$10.00} fee for a {$4.00} check. I called the Price Protection customer service, spoke XXXX on XX/XX/XXXX. She shared with me that I now needed to include my credit card statement showing that the charge on my receipt actually occurred as of late XX/XX/XXXX update of procedures. I had not received previous notice on this nor was it indicated when I filed my claim. She also shared that the check for {$4.00} was issued and then reversed, no explanation for it except she would look into getting my {$10.00} fee for a {$4.00} check refunded to me if I would send her a copy of the letter from my bank with a copy of the check showing that it was returned. I had not retained a copy of the claim for {$20.00} and it was no longer available for me on line. In the interim I did find that the item I purchased for the {$20.00} claim is now {$39.00} lower. I submitted my bank fee letter and the new claim for {$39.00} to XXXX 's attention per her instructions electronically in XX/XX/XXXX. I was told to given them 2-5 business days from receipt for them to process. I called onXX/XX/XXXX to determine where my refund is for bank fee and why had I not received the payment for the {$39.00}. I spoke to XXXX who advised me that my claim had gone for review and now it 's under management review, give them 5 more business days, she had no information on my bank fee reimbursement. I called today XX/XX/XXXX, spoke to XXXX who advised me nothing on my bank fee reimbursement and since it 's the weekend she does not have an update. I would need to follow-up during the business week even though they are noted as a 24 hour operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NV
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:
Hi, my name is XXXX XXXX and I have an XXXX XXXX XXXX XXXX lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, Experian continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I receive monthly retirement XXXX payments from TIAA acc Number : XXXX For XXXX they never sent a check-they deducted money from my XXXX even the check is marked not cashed My bank XXXX statement shows it was not received -I called them XXXX times and they promised to correct it ( cancel the missing check # XXXX for {$1500.00} ) and send a replacement check. 
I guess they stole my money Also I asked them in writing and also XXXX times by ph to change the sending address from my XXXX bank to my residence -they promised but never did-please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint to XXXX result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items and authorized inquiries or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/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 2022-09-06
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: Account status incorrect

Complaint:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit report.

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 2017-06-24
Company: Bread Financial Holdings, 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:
Letter dated XXXX XXXX 2017, I received a welcome letter from PayPal, Thanking me for opening a Paypal Credit account. This letter stated they already emailed a notice to XXXX. I called paypal as soon as I received this letter, notifying them that I did not request to open a credit account and the email mentioned in the letter was not mine. Paypal continues to send bills to my home address. Paypal informed me to file a police report, I refused. Paypal opened this account with online information which had to be lacking in verification and proper procedures. A paypal representative explained that the initial opening of the credit account was charged with a {$14.00} purchase. Days latter they contacted by my e-mail, not XXXX of attempted purchases in access of {$1000.00} dollars which they said they rejected. For the life of me, I could not recall how Paypay had any information on me. A few days ago a bought a tool online through XXXX using a credit card. It turns out, paypal and XXXX have some sort of agreement, and I must of had to pay XXXX through paypal years ago using my credit card, not any paypal credit account. I have closed and deleted my accounts at XXXX  and will continue to do so with any site associated with paypal. I wonder if paypal representatives are earning incentives for opening Paypal credit accounts, like XXXX XXXX?

Company response to consumer: Closed with non-monetary relief