BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CA
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}

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 non-monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-22
Company: Chime Financial Inc
State: NY
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 around XXXX, an unauthorized charge of {$50.00} was taken from my Chime account for XXXX XXXX. I have never used XXXX XXXX. 
I called the bank asap advised that this was not me. They canceled the card and sent a new one. 
After a few days I received and email stating " no error was found ''. I called again advising this was not a charge I made. I challenged their decision. 
I received the new card, did not use it at all. Put it away, on XX/XX/XXXX three more charges were attempted for XXXX, {$25.00} each. 
I called Chime. At which point they blocked XXXX. And resubmitted the claim for an unauthorized charge. As I advised I have switched banks, as I do not trust Chime with my money and the fact that someone was still attempting to access my account t was odd. It sounded to me as if it was internal. As the card I had never left my home. 
I received another email advising that " no error was found ''. Then received another email advising they were ending the relationship with me. 
I feel this was a retaliation as I have had the account t for years and never had an issue. It seems they not only do not want to help their customers, they get mad and close accounts when challenged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im being charged {$2800.00} from a collection company called NATIONAL CREDIT SYSTEMS. I do not know why I have a collection with them. I asked them to send me the original contract so I can understand where this debt comes from but when I try, they ignore me and verify my debt without giving me my request. This collection debt is on my experian and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I did not get the product/service I paid for. I used a photo retouching service for my sisters wedding photos. They kept giving me the runaround and would ask for more money to make revisions. To this day, they have not refunded me after stating I still have not received the services I paid for and would just like to completely cancel and get my money back. I filed an official chargeback with Wells Fargo since the money came out of my checking account/debit card. Wells Fargo hasnt resolved this issue either.

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 2023-06-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Our XXXX statement was scheduled to be paid on XX/XX/XXXXXXXX  since the XXXX of XXXX fell on a Saturday. We regretfully did not have sufficient funds in our bank account for the automatic withdrawal but had every intention of paying the balance in full. It was merely a matter of transferring money between our bank accounts. Chase Bank attempted to pull it again on XX/XX/XXXX, during which the funds still had not been transferred. My spouse deposited the correct amount on XX/XX/XXXX, but by XX/XX/XXXX, the money still had not been debited from our bank account. I called Chase on XX/XX/XXXX to figure out the status of our payment, during which they said to wait a few more days to see if the payment would be processed. I called again on XX/XX/XXXX because the payment still had not gone through. I was told because it was a banking holiday, to wait another day. I called on XX/XX/XXXX because the amount still had not been debited, and upon speaking to the representative, was told that I could make a payment right then. I decided to proceed, only to discover later that a payment in the amount of {$5500.00} was made, which was the balance due for our XXXX statement, not the XXXX statement. I called on XX/XX/XXXX to see if the payment could be reversed, so that I could apply that sum towards the XXXX statement, and they said that it could be applied by having it returned to our bank account. On XX/XX/XXXX, I discovered that {$5600.00} was returned to our credit card, not to our bank account, effectively returning our supposed XXXX payment and accruing interest immediately. On XX/XX/XXXX, I called Chase and asked that my case be elevated so that I could speak to a manager immediately. I was told that I would be transferred, only for the call to drop. I called again, restated my request, and was transferred to a person named XXXX. After explaining my situation to them, they were condescending and rude to me, offering no remedy or even an apology for the situation. I am also suspicious that I was discriminated against since from the outset of our phone call, they referred to me only as an authorized user and even raised their voice to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXX. XXXX XXXX- Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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.

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

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 15 USC 1681. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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.

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

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 2022-10-20
Company: EQUIFAX, INC.
State: VA
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 have two charges on my credit report for a single visit that is for {$77.00}. I only visited the dentist office once ( XXXX XXXX, XXXX, VA ). I have tried contacting the collections agency and disputing it on my credit report without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-27
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX company wrote me a check for XXXX. I deposited this check into my NAVY FEDERAL CREDIT UNION ( NFCU ) checking account XX/XX/23. XXXX XXXX company has shown me where NFCU had cashed the check on XX/XX/23 ; NFCU is saying that they did not cash the check and that the check is fraudulent. They have taken the money out of my account and I can't access my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: M1 Holdings Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with M1 Finance. I have a checkings, savings and an investment account. I'm a victim of identity fraud and could not access my M1 accounts. In early XXXX ( XXXX? ), the criminal " XXXX  '' my account and was sending checks & ACH transfers by linking his bank. He changed my profile, email address and phone #. M1 never reached out to me to confirm these changes or obtain validation on outgoing funds. 

Over the course of 5 days, M1 could not get me into my account. I had no access to check on transactions or to make trades. 
The agent involved IT which finally gained me access. With the agent on the phone, I advised I cancelled one fraudulent check but two others are processing and to stop payment as I did not initiate. The checks in question had NOT cleared - total near {$8500.00}. 

I entered a dispute with M1 's Fraud Department and they denied reimbursement stating I logged in and made these transactions. I asked how I could have done that as I did not have access and for them to please review all transcripts, chat 's and recorded phone calls to confirm. There was nothing else I could have done! My funds are for you to keep safe. 

I've requested the XXXX XXXX to call me to discuss a resolution. I have not received the call nor has my funds been returned. 

To add insult to injury, M1 wants to charge me {$30.00} for each item to investigate. What??? M1 is 10000 % in fault. 

There are many instances online regarding M1 and the disappearances of funds which M1 states isn't their responsibility. See attachment of one such case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello! 

On XX/XX/XXXX I sent a XXXX XXXX XXXX USD from XXXX XXXX to XXXX XXXX XXXX 
My correspondent bank turned out to be Bank Of America. Money was stuck there, still being processed. Bank of America is unable to give me any information as Im not their customer. XXXX XXXX is also unable to get any news for me. The recipient company also tried to contact Bank of America, but didnt succeed. 
On XX/XX/XXXX I asked XXXX XXXX to request a refund of my XXXX from Bank of America, XXXX did this, but the money hasnt yet been returned. At the same time, when I monitor my XXXX transfer through GPI tracking, I see that some operations are regularly carried out. Despite this, nothing happens. It is necessary that the entire amount be returned to my XXXX account as soon as possible, safe and sound, since I urgently need to pay a fee to the developer. 
Im attaching documents substantiating my transfer. 

P.S. I have to put US in the address line due to a site failure. My correct address is XXXX ( unfortunately ), XXXX, XXXX XXXX Thank you!

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 2023-07-02
Company: U.S. BANCORP
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:
I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.

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 2023-07-02
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : ACCOUNT : XXXX ( XXXX XXXX XXXX  ) ACCOUNT NUMBER : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation .

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On 06/2023, you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Deleted from my consumer reports effective immediately. 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond to inform me of this, which would be a waste of both our time and resources. 

Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

So I need the above transactions deleted from my consumer reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Kept receiving XXXX calls from this company. Called them at their phone number XXXX and got transferred to a rep who said my number belonged to a XXXX. I asked them to remove me from their XXXX called list and they repeated said " have a nice day '' and avoided all request from me to remove me from their robo call list as im clearly not in any debt to them or anyone. Proceeded to harassed me with more robo calls after i kindly asked them to stop. The number they have me under their system is XXXX. I've called and asked them to stop on XX/XX/2023 at XXXX. They've also called me countless times outside of their allowed called time zone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: LA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation