BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX, I mailed a letter to TransUnion stating that an account is on y credit report in error. 
on the basis that, this company ( XXXX XXXX ) that's reporting a collections never served me, nor did they give me notice they were going place something on my report, as mandated my law according to the FCDPA and CFRA. 

this was not my first letter asking about this account : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account ALWAYS gets verified or updated, but they never explain how. I've sent numerous requests to TransUnion on their practices and how can they verify an account that's not verified with furnisher themselves. 

I asked them to provide proof that the debt was min, proof they own the debt and can legally pursue it from me,, if they were registered in my state, etc. 
My responses was naught on those specific questions. 

I can not get the furnisher to send me proof, but they sent it to TransUnion?? I'm confused. 

XXXX XXXX is shopping around this debt to other collectors instead of responding to my request of validation.

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 2022-06-16
Company: WELLS FARGO & COMPANY
State: FL
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:
I am XXXX XXXX and have just had a XXXX XXXX XXXX. Several of my creditors agreed under compassionate terms via phone that any derogatory statements on all of my credit reports would be removed and reported as paid in full. 

In accordance with the fair credit reporting act the following creditors agreed to the above statement. In accordance with the fair credit reporting act and XXXX Accounts below, have violated my rights. 

XXXX  XXXX : All accounts, beginning with : XXXX, XXXX, XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15C USC 1666B : A creditor may not treat payment on a credit card account under an open end plan as late for and purpose.

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 2020-01-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
PayPal credit did not notify me about increasing my credit limit. It began as XXXX and now it is XXXX. They failed to notify me of a credit limit increase. Also they continued to increase my limit multiple times without my consent or request. I didn't qualify financially for the increase during that time.

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 2022-02-20
Company: EQUIFAX, INC.
State: NY
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:
The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: NY
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:
The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested

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 2015-04-18
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I CAME TO A SETTLEMENT AGREEMENT WITH FBCS INC ON XXXX XXXX 2015 FOR THE AMOUNT OF {$320.00} and they have sent me an outstanding balance letter of {$210.00} stating I still owe them money. The conversation was recorded on their end and also recorded on my end. I would like this resolved to show I have a {$0.00} balance as agreed to on the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Chime Financial Inc
State: MI
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:
My name is XXXX XXXX and I am a Michigan resident. For 7 months I had been using the app chime to get paid through my job. On XX/XX/2022 an unauthorized purchase of XXXX dollars was made of my Credit card ( its called a credit builder card ) at a XXXX XXXX XXXX XXXX in XXXX Florida. I even sent proof of my whereabouts at time of purchase. Ive showed them that I was at work for the majority of the day in XXXX XXXX, Michigan. Theres no way that I can even make it to another state by XXXX the time of the purchase by flight or car the same day. I even worked the following day. I called the store that the purchase was made at was given a hard time by whom ever answered the phone and said there was no one I could speak to and nothing I could do. After about a week of e-mailing these people and talking to different representatives of having my dispute reopened, they keep telling me there are no errors even though Ive shown proof of fraudulence. My XXXX  account was even linked to chime so they tried to hit that account for a different amount, but didnt succeed. All together i ended up closing my chime amount scared that there would be another attempt of my money being took and just moved all the rest of what i had left to a separate account so that it wouldnt happen again. Its just said that people actually take the time out of their life to work just to get half of their check stole without an issue or no red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX 2015 Amount says XXXX This amount has been paid. Now a third party is trying to collect the same amount.

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 2022-06-16
Company: WELLS FARGO & COMPANY
State: TX
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/2022 and XX/XX/2022 there was 2 unauthorized transaction on my Wells Fargo bank account in the total amount of {$22000.00}. I noticed this and called Wells Fargo to file a claim. I waited 2 weeks and was called by a agent saying my claimed was denied. She called and asked me questions about transactions from 1 year ago and I tried my best to remember but I dont. She then accused me of being a liar for not remembering. This was all on a recorded line as well. She asked me questions about transactions that had nothing to do with the claim or fraudulent transaction that I was calling in about. Now I lost all my money in my Wells Fargo account and they told me to contact the merchant. How do I contact the merchant if they dont even have a real company name and its just a bunch of numbers? I never made this transaction, why is it my job to contact the merchant. Im frustrated and confused right now. I thought my money was safe with Wells Fargo but instead they tried to manipulate the situation by asking me unrelated questions and making it seem like Im a liar when the questions are from 1 year ago.

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 2021-04-30
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw on my credit report a bill from XXXX XXXX for XXXX XXXX XXXX. I contacted ERC and paid the debt but they will not remove it as debt on my report from XXXX. I have called several times and even contacted the original creditor to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I had Capital One credit cards for the past XXXX years always paying on time was very on top of my credit and had very good relationship with the company I had by mistakenly made a wrong payment which turned back last month and the next thing I know is that they closed all my XXXX personal accounts including a new opened business account without any explanation or warning before I tried to solve it with the company but when I call them I was hanging on the phone one time even more than an hour they had mixed information they gave me my wife 's name on my personal account couldn't match my account to my card numbers seems like they do just throw me out from the system for no reason very scared to say that this is a decision based on race because I'm XXXX and I told them in my phone call that I'm XXXX and try to be honest, i was send from one department to another some of them were even screaming at me or not acting nice dhy didn't give me a chance to reconsider this situation I'm very unhappy and feeling all this is very unfair if we have business together and they don't share with me anything, please make sure that they didn't go over any red line that's not allowed and my rights as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried contacting XXXX on both accounts and tried to fix this with Transunion. 

1 Account was a credit card that was never paid late but did not show as a credit card and the other was an in-store credit account that was taken out monthly by them and was never paid late. 

I went around and around with transunion to update this and nothing has been fixed and even got the run around with XXXX and they said they would fix it and never did My attorney told me to file a complaint with CFPB and make sure that Transunion received the PDF so that we can get this filed at the local court asap to get it fixed. 

I have included a PDF for both accounts.

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 2022-02-20
Company: Experian Information Solutions Inc.
State: FL
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 have disputed several unknown inquiries with XXXX and Experian on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly XXXX and Experian failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX AUTO FINANCE ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX CAR CREDIT ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX AMERICAN CREDIT ACCEPT Auto Financing Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XXXX XXXX XXXXXX/XX/XXXX XXXX Personal Loan Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXE Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX 2022

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 2021-01-31
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Citibank failed to send a monthly statement of my account to either my physical address or electronically notifying me of charges. I do not use the credit card often and I didn't remember the charge that particular month when I did not receive a bill. I was reported to a credit bureau as being over 30 days late, even though the account was paid off in full, when they did reach me by phone after it was 31 days late. The agent removed the late fee as a billing error after I paid it if full, and told me it would not be reflected on my credit report, but it was. I checked all e mail correspondence for statements and there was not an electronic statement sent to me. I simply would like the negative action taken off of my credit report. It is the only late payment I have on the report in an over 30 year history. I wrote a letter to dispute the error but they said it was correct. I am currently disputing this a second time.

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 2018-02-08
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I co signed a XXXX XXXX from XXXX XXXXs, XXXX in XXXX XXXX, NJ and XXXX quickly change the name of the company to pay back to University XXXX XXXX. My son owed {$10000.00} and they were demanding {$150.00} per month. I co signed the loan and I was trying to pay them {$50.00} per month. Now I found out the balance owed as dropped to {$3400.00} and they are still demanding {$150.00} per month. I can not afford this and I have a print out from CFPB stating " The CFPB is seeking relief for private student loan borrowers who took out Loans after XX/XX/XXXX '' My son went to XXXX in XXXX and never received all the services he was promised. He was ignored when we tried to contact them. Is there any way we can not pay this back? If the settlement allowed Federal loan relief why not also private student loan relief as well? That is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a sophisticated wire fraud and lost {$25000.00} in this fraud scheme with Chase. I have been dealing with a Chase representative who has guaranteed and assured me that after following all the procedures and necessary reports, Chase would reimburse me. I have lengthy documentation of my case and have written directly to Mr. XXXX XXXX, CEO of Chase. After nearly 6 months of working with Chase and being misled, they told me they will not reimburse me. Chase has had all of our reports and document filings for months -- if I did not qualify for reimbursement as guaranteed by the branch manager, why did it take all of this time for them to now reject my claim. Chase is being negligent and reneging on their promise to reimburse me for the wire fraud. 

I have attached the police and XXXX reports, my attorney 's demand letter, and detailed emails sent directly to Mr. XXXX XXXX, the Chase branch manager from the XXXX. XXXX, NJ Chase office who assured and guaranteed me I would receive my {$25000.00} reimbursement for the last 6 months as well as the emails sent to Mr. XXXX XXXX. My father has also been helping me with this case and has spoken directly to Mr. XXXX XXXX, the branch manager and helped with emails sent directly to Mr. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
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 accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime has suddenly restricted my access to my bank account and ask me to send personal documents for verification. I am ok with verifying myself but the only way to verify is to send my personal ids through emails which is a very insecure channel. I still have money in the account and they don't offer fax or any other more secure way of sending documents. I totally regret doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}

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