BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
hello, I was charged an overdraft fee in the amount of {$35.00} for a {$1.00} check I wrote to NJ-EZ pass check # XXXX on XXXX/XXXX/15! I had an ending balance of about $ XXXX {$110.00} in the account, and there was a check I wrote for {$600.00} which was mistakenly deposited a day before it should have been, so that caused the account to overdraw by about {$490.00} or so. Well Fargo will say the checks are presented as they come in at the end of the day, and they will lie and say the check for the XXXX dollars came first causing the account to overdraw! 
they do their calculations at the end of business each day, and items are pending allowing you to make a deposit, so I clearly do not know how they can say they pay the items in the order they come in. 
They do this all the item seeking to charge as much as they can in overdraft fees,. 
While I am greatful they honor my checks ( they should, I have been banking with them for over 8 years, and they have been getting tremendous amount of fees from me in the last year or two ). When I am in the wrong, I do not argue with them for the fees to be returned, but in several cases, such as this, I will. 
Again, {$35.00} for a {$1.00} check???? that is criminal!! 
Why are things like this allowed to happen over and over??? 
why are these banks not presented with stricter regulations on such things as this? 
I am not letting them get away with this XXXX, and need your help. 
I am not rich, support my XXXX mother, and pay over {$300.00} a week XXXX to come to my home, which makes money very tight for me. 
I am sick of this, and want something done about the criminality of Wells Fargo for thinking they can do such things! 
Thank you for your help, pls go after them to the fullest extent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi I am a victim of Identity Theft and Finical Identity Theft, I have written Transunion 29 Times Concerning 1 Fraud address to be removed and 29 Fraud Inquires to be removed. They all was done the same day/month! Some scammer was trying hard. 
Transunion refused to remove the inquires and told me to contact the companies. I did write the companies 29 companies and 8 letter per company over the last 9 to 11 months! And they all refuse to even answer me. 
I have a Police report and proof of My Identity along with My Passport proving I was Living out of the country for over 3 yrs and this is Fraud. Please remove these Inquires. 

INQURES 1. XXXX 2. XXXX 3. The XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 11 12. XXXX 13. XXXX 14. XXXX 2 x 15. XXXX 16. XXXX 17. XXXX 18. XXXX 19. XXXX 20. XXXX 21. XXXX 22. XXXX cr 23. XXXX And Fraud address XXXX Please help me remove all these frauds Inquires, I tried and need your help.

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 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I had identity theft on my credit report. I sent all of my information to all three credit bureaus with a XXXX attached to my police report. I do know that the bureaus have up to 5 business days to delete the invalid information. TransUnion is refusing to delete the information that does n't belong to me. I am requesting that TransUnion immediately deletes the fraudulent information on my credit report, they now have had my police report for 3 weeks now. XXXX and XXXX deleted these fraudulent accounts on my credit report with no problem. There are 5 accounts in collections that do not being to me. They need to be removed immediately. I have also made a complaint in here in XX/XX/XXXX about the same companies and the collection agency never sent me anything to show any proof that I am the owner of the 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 2016-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a dispute letter to XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.

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 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB 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 2016-07-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank closed my account without notice or reason, citing they may do so at any per the cardmember agreement. I paid a {$350.00} annual fee to use this card account. I should receive a prorated annual fee for the unused portion of this cardmember year.

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 2022-08-26
Company: DISCOVER BANK
State: GA
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 XX/XX/2019, I initiated a reservation to stay at XXXX XXXX. Within minutes, I cancelled and received confirmation that the cancellation was approved. I assumed that the charge was removed but never confirmed. I was on auto pay, so regretfully, I did not always check my balance. When I checked my account, I noticed that I was double billed and not credited so I reached out to Discover as I assumed this was an easy fix. I was given a temporary credit but then rebilled. This process of disputing to receive a temporary credit and then rebilled has occurred at least XXXX times over the past XXXX years. Each time, I am transferred from department to department with no permanent resolution. In addition, I've provided copies of the email cancellation notification by uploading to my account as well as by mail. I even say the documents when I uploaded them but now they are no longer visible and all representatives are saying they are not there. I have been billed twice for {$530.00} when I should not have been. I did not stay at XXXX XXXX and the reservations were cancelled. 
Discover continues to transfer me from XXXX department to the other and will not escalate to a decision maker.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CITIBANK, N.A.
State: UT
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:
Citicards Cbna is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my 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 2020-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i tried to sell a suit for XXXX dllars from order sale app and then they contacted me saying they needed a total of XXXX k by multiple messeges to open a XXXX business 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 2022-03-27
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2009 US Bank Trust fraudulently used my estate and credits to fund their irrevocable trust with my home and my credits, the only paid {$1.00} and now I have filed a involuntary bankruptcy as the creditor who provided the credits and US BANK TRUST placed my property and credits it their own Business without disclosing and intentionally failed to disclose. My property has been paid with my promissory note from my estate and I am the lender who was criminalized by US BANK and US Bank Trust Securities Trustee is XXXX XXXXXXXX XXXX, now Ive requested that no taxes or interest be applied because I am the mortgage that was used to mortgage my home and no credits was given to me by this business and I would like them to remove their claim of liens because I havent signed anything placing me in a contract! Fraud has been committed and now I was forced into a forbearance that I never gave permission for them to lien in payment and I requested that all mortgage payments be cancelled on my 1099 a cancelling is bank debt of a {$1.00}

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 2023-03-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money transferred was a scam and would like it returned based on reasons uploaded in document. This references the complaints made in early 2022 with the CFPB. These complaints centered around fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: NC
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 just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: MS
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:
Please take a look at the attached letters and XXXX XXXX XXXXor verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered a tablet on line through XXXX for around {$94.00}. After waiting over 4 months it arrived but was not what I paid for it was a cheap child 's tablet and it had a locked screen so I couldn't use it if I'd wanted to. I contacted the seller imidiatly but was told to bad no refund. I then opened a dispute with XXXXXXXX XXXXXXXX, after another month or more was denied any recoup. I had said I would return the tablet for a full refund but told no denied. So I then contacted my bank Chime & opened a dispute through them for a charge back but after about 75 days was denied again. Right after chime denied me I received a message from XXXX  that they were going to refund the money however since I'd opened a dispute with my bank then the bank would have to request the refund for me. So I again contacted Chime reopens the dispute with the new information so they could request the refund but they again after a month denied me closed the dispute and said that it was over. So I'm stuck with a child 's toy that's useless because it's screen pass code locked and I'm out almost {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: COLLECTION SERVICES OF ATHENS, 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:
I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. 

Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Ga XXXX COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not XXXX percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. 

Thank you for your time and help in this matter. 


Sincerely, 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 2022-03-27
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint because this company is a fraud. This has tried to collect debt for 12 years from me without consulting with their client. This debt they are referring to is from the Illinois department of revenue. Sir, please always consult with your client. Despite a collection for state taxes " the Illinois department of revenue '' will still take your state taxes if you are in collection. They don't care. I work as well so i called the Illinois department of revenue to acquire your collection debt and opened an account to pay my taxes. Unfortunately, i have filed enough taxes that i paid the debt that your company is acquiring by the Illinois department of revenue taking my state taxes. In this case " consult with your client. '' This debt is paid and isnt in collection. Anyways, on contrary, you can also contact your client to get a cheaper settlement. Contact your client to assure that the bill isnt paid or you seem like a scammer. This bill is paid then why are you trying to collect it twice when the Illinois department of revenue took my taxes?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT! 
PLEASE REMOVE ALL NEGATIVE REPORTS IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the fair credit Reporting act XXXX Account, 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 not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This Account reflects a Highly Inaccurate Amount owed.

Ive requested Verification of Debt on multiple occasions.

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 2020-03-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU

Company response to consumer: Closed with explanation