BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: AmeriCollect
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XX/XX/XXXX I never opened this account inXX/XX/XXXX Pls. send the signed contract with my name or  it or -- -Pls. remove this IMMEDIATELY Amerillect XX/XX/XXXX- who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XX/XX/XXXX Who is this?? XXXX if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Consumer Affairs pls. looking to this information since XXXX seems to think it is ok to put peoples personal information on their site without any proof of records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CCB Credit Serivces, Inc
State: AL
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:
XXXX inquiry posted as a hard inquiry on XX/XX/XXXX.This inquiry was posted on my XXXX credit report. Ccb/XXXX did the same thing on XX/XX/XXXX and it 's on my XXXX credit report still showing as a hard inquiry. I have n't given either my permission to run a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have wrote Equifax several times about the Chapter XXXX Bankruptcy on my credit report. Requesting for them to provide me with proper documentation bearing my signature. I ask for validation. After, numerous attempts along with writing the CEO of Equifax, Equifax removed the Bankruptcy off my credit report. Now, after the Hacking of Equifax system I discovered that the item has been reinserted on my credit report. In accordance with the requirements of the section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
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 recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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 submitted two letters at different times over the past few months ; disputing incorrect information on my credit report. I asked the bureau to provide me with the written and signed contract between myself and the collection agencies that reported. I was told to call them ( collection agencies ) myself, ( the bureau ) we're not doing so. I then asked for the letters or means of verification that the bureau received and they refused to give it to me, or verify their verification process. I demanded that the derogatory data be removed and they reinerated that it was verified. I do have letters that I sent to each bureau requesting these things to be removed. 
They also added a last name to my name that isn't mine.

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 2017-09-27
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this discover account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: VA
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/2022, when working on my laptop computer, the unit froze p and displayed a screen that a Trojan horse had been detect by my XXXX XXXX  and to call them at telephone # XXXX XXXX. I called the number and it was answered by an agent " XXXX '' who proceeded to investigate the problem by taking full remote control of my computer from his stie and started to look at everything I had there. My computer screen was blank but I could see my curser moving on the screen. He started to ask some suspicious questions but was able to provide answers that seemed associated and pertinent to the problem. This continued for about 2 hours at which time I was told to leave the computer on for the next 12 hours to see if anything would occur.

After we hung up the call, I called Wells Fargo at XXXX to report a possible fraud. I spoke to an agent " XXXX '' and told him the situation and to stop immediately stop any requests for withdrawals made that day. He opened a fraud complaint ( case # XXXX ) and froze my checking account against any withdrawals and opened a new checking account. 
Wells Fargo replied on XXXX XXXX that the new account had been debited for the following amounts that had moved over from the cancelled account : XXXX XXXX {$990.00} by XXXX XXXX to other customer. 
XXXX XXXX {$500.00} by XXXX XXXX to other customer. 
XXXX XXXX {$1000.00} by XXXX XXXX to other customer. 
In a follow up with Wells Fargo I was told that the case could not be reopened and that I was not defrauded but scammed and although not said but reading between the lines there was nothing more they could do. " XXXX '' XXXX ' The bottom line this money was stolen from me and had Wells Fargo had processed my request to withhold any debits to my old account as the said they would this would have been stopped. 



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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 2017-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday, XX/XX/XXXX, I woke up and found my credit cards at chase ( all five of them ) were closed. Upon calling in the same day, I was informed that due to an " unsatisfactory business relationship '' deemed as such by a Chase affiliate, they had gone ahead and closed all my credit cards and accounts. <P/>I have five cards : Chase Freedom, Sapphire, Hyatt, Fairmont, and IHG. I truly enjoy the service from chase and having these cards, but am very saddened by their closing. They told me I was able to redeem my points for at least 30 days after closure. <P/>I have since received two letters from chase, saying they closed the five credit cards on XX/XX/XXXX, and will close my two bank accounts by XX/XX/XXXX. <P/>Chase has refunded me annual fees totaling {$210.00}. I would rather have kept the cards open and continued using them. I have called numerous times the help lines on the back of my credit cards, with no success ( or help of any kind ), as well as spoken with a chase banker ( at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) early last week ( either XXXX or XXXX ). <P/>I am highly alarmed at my treatment, and am concerned about my points - the Fairmont credit card specified that if I spent {$6000.00} by XXXX, I would earn a free night award. I have done so ( three purchases of {$2000.00} on XXXX, XXXX, and XXXX ) but was repeatedly denied getting those points ( roughly 6,060 points ) as well as the free night award, due to the fact that my statement that would have closed in early XXXX will no longer post. <P/>I am happy to speak with someone about this in further detail. I have never missed a payment, am a loyal customer ( having chase for many years now ), always pay ON or well before statement due date, and generally am a model customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
32 days ago I mailed Security Credit Services a notarized debt validation letter for an account which is on my credit report. Based on certified mail tracking information from the United States Postal Service this letter was delivered and left with an individual. 32 days have passed, and Security Credit Services has neglected to respond to my debt validation letter. In addition, Security Credit Services forwarded this account to the credit bureaus without first notifying me of the account and my right to dispute the debt within 30 days. Security Credit services has violated two laws outlined by the FDCPA and this account remains on my credit report unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, I have been trying to reach the different Bureaus by letter letting them know which information its incorrect on my Credit report since a few months ago, I haven't receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 explanation
Consumer complaint received 2020-11-06
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I have contacted LexisNexis mutiple times in order to get a bankruptcy account # XXXX removed from my LexisNexis report. The last dispute I sent to LexisNexis was on XX/XX/2020. LexisNexis did not reply back to my dispute until XX/XX/2020. Also when LexisNexis responded to my dispute they did not investigate the matter. Their response states that they were " unable to locate the disputed item in our database ''. LexisNexis should delete the bankruptcy account # XXXX because they did not investigate the account and they did not reply to my dispute within 30 days. 

I have attached copies of my dispute and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX ACCOUNT NUMBER- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX some XXXX purchases for about {$73.00} were charged to my citi credit card. I thought I had used a different card and didnt see my email to pay card. This caused a {$29.00} late fee. I didnt see statement until XX/XX/XXXX and it had a new late fee of {$40.00}. I called and advised that I thought I had used another card and paid card in full. The rep said they understood and could reverse the fees. I checked my card again and saw the fee was not reversed. I called and I was told not to worry that they saw it and at end of closing it would be reversed. My bill closed XX/XX/XXXX and a new fee charge came in of {$40.00}. Now a total {$100.00}. I called and was on the phone with several people and they said nothing can be reversed. I explained that if they would have told me from the beginning I would have paid the late fee instead of compounding late fees. The rep hung up on me. I called today and closed 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 monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: MS
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 DEPT OF EDUCATION/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 XXXX XXXX XXXX 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX  -  XXXX  Tried to get late payment off of  TransuUnion  credit reports record because this account has been closed as a charged off for years and I am not liable.

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 2022-04-29
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and y'all are required by law to do so. Please investigate my disputes. Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been a loyal member of Chime for 3 years. On XX/XX/2021 I was recently a victim of fraud. My debit card was copied and used at an ATM in XXXX, Arizona. 

I quickly filed a police report and completed necessary dispute form and sent all required information to the Chime Bank XXXX XXXX. On XX/XX/2021 I was issued a provisional credit of 318.00 ( Total of ATM withdrawals + ATM fees ). 

On XX/XX/2021 I received an email advising that no error had occurred. I requested a rebuttal due to the fact that I did not make the ATM withdrawals and completed all steps required by Chime to resolve. I am now being advised that my account will be debited 318.00 on XX/XX/2021 despite me providing the actual police report document. 

The transaction took place in XXXX Arizona. I am in XXXX and could not have physically made these transactions. I am single mother who has recently become unemployed. I am typing this with tears in my eyes as I have pleaded to Chime to make things right. I have cooperated with Chime throughout this entire process and as a consumer would like to be extended that same grace. I have remained loyal to Chime throughout their early stages, technical errors, class action lawsuit, etc. and do not believe I am asking for much by requesting that same courtesy and loyalty be extended to me. As I write this, I have no idea how I am going to feed my family and Chime debiting the provisional credit amount would only put me deeper in a bind. I am incredibly disappointed by the lack of ethics, integrity, and system processes Chime has in please. 

As a consumer this is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
PNC Bank started charging me a $ XXXX monthly maintenance fee for my Performance Select checking account in XX/XX/XXXX without clearly notifying me. I did not notice the recurring fee until XX/XX/XXXX, at which point I had unknowingly spent {$270.00} in fees. I called on XX/XX/XXXX to complain and spoke with XXXX and she said they would refund ( only ) two months of fees ( {$50.00} ). PNC Bank should be required to clearly and repeatedly explicitly notify customers when their account balance falls to a point where they begin charging maintenance fees. If an account falls below the required balance threshold to maintain a free performance select checking account, PNC bank should reduce the account tier instead of charging a maintenance fee to maintain a preferred account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
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: Was not notified of investigation status or results

Complaint:
I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates ji I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates updates or nothing

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 2019-09-14
Company: EQUIFAX, INC.
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:
Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/19 Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: DC
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file 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 explanation