BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
In XXXX  I applied for housing is key a government program that helps with back pay on rent and I was living at XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I got an email somewhere in XXXX around XX/XX/XXXX telling me that I was awarded a check for {$9200.00} and it was sent to my address on file and I called them up to ask them to change that address and they told me that the check was already dispersed which means that somebody had a cashed it or attempted to cash it and so I went to the address on file and I asked the people there if they knew anything about this and they told me that they put the check out to go to back to the USPS mail and that they've noticed that somebody may have stolen. So one of the tenants tells me that there is possibly a male subject that may have stolen it there that may have cashed it at a Chase Bank so I called Chase bank and they confirm that somebody did and that they were going to stop payment on it but they did not.. after I told him the check was fraudulently cashed and that I did not sign it they still continue to let that person have the cash go in the bank and take it out I confronted the teller and the teller told me that she's not the fraud department I have to take it to the parking lot and call up the fraud department and talk to them about it but that she couldn't help me at all. I also reached out to the government agency that provided me the check and I asked them to also look into it but I have not got a response All I got was the customer service lady told me that they would get back to me within two days and I haven't heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: IL
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 delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom it may concern, I asked Experian, and XXXX to reinvestigate all disputed accounts in question on my credit file as of XXXX XXXX. I sent everything in to all three Credit Bureaus by certified mail, every document. I have asked what method was used to verify it was I that supposedly opened these accounts and I requested a copy of my signed signature with my name and address on the original contract. I did not receive anything back. My disputed accounts have been ignored since XXXX of XXXX. It's been way over the 30-day mark. By State and Government law, these disputed accounts were not removed. This is a violation of my rights.

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 2022-09-14
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act Comenity Bank ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. This Right has been violated. 
15 U.S.C 1681 section 605- Fair and accurate reporting within 30 days. This Right has been violated " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate '' - This right has been violated Comenity Bank ( XXXX ) has continuously violated my rights by inaccurately reporting an " over the limit '' status to the credit bureau 's. Despite having consistent payments on the account and the account now reflecting XXXX. This account has not been updated since XX/XX/2022. This information has been verified by XXXX, XXXX and XXXX. 

I have called Comenity bank of several occasions. each attempt took hours and many transfers to different departments that indicate it has been updated and there is nothing they can do. XXXX continues to blame the error on the credit bureau. The Bureau 's indicate they only report what is reported to them. I have disputed the account with all 3 bureaus. 

Due to comenity disregard for my consumer rights I have received adverse credit decisions. unbalanced utilization, inaccurate score reporting and adverse credit reporting that is a direct result of their negligence and violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: ACIMA CREDIT, LLC
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This morning I was notified that an account previously held by XXXX XXXX and had been closed and settled yet this collection agency is attempting to collect for the same and already closed account. Not to mention that the account was already found to be unjust through CFPB! 
Phoenix Financial services has breached my rights by attempting to collect an already settled account!

Below Is the already settled account that they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: JPMORGAN CHASE & CO.
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 AM A VICTIM OF IDENTITY THEFT AND SINCE I HAVE TO FIND MY INFORMATION HAS BEEN LEAKED THERE SEVERAL INQUIRIES AND A BANK ACCOUNTS ON MY CREDIT REPORT WHICH I NEVER AUTHORIZED. I HAVE SENT MULTIPLE LETTERS TO CHASE AND PROVIDED THEM WITH THE POLICE REPORT, AND FTC REPORT AND EXPLAINED THEM. BUT THEY ARE KEEP IGNORING MY REQUEST DUE TO THAT REASON. I'M TAKING A BIG LOSS FOR MY PERSONAL CREDIT AND FOR FUTURE BUSINESS CREDIT. I REQUEST TO DELETE AND BLOKE THE INFORMATION FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
At XXXX on XX/XX/2021 Somehow an individual was able to hack into my Cashapp account which was linked to my XXXX banking account and fraudulently transfer {$450.00} to themselves, also diable my phone notification so that I was unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2022 cash app locked my account due to 'fradulent activety ' but it was just me trying to cash out my balance back to my bank. I can now not access the XXXX in my account which is all the money I have. This is rdiclous. There customer service is also not helpful/to non exsitent. This is all the money I have and now I have none to pay for anything. I will do any step to prove my identity but I would like access to my money. They unlocked my account but then relocked it a minute later after I try reading my bank account to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Reporting company used your report improperly

Complaint:
In accordance with the fair act XXXX account # XXXX has violated my rights. 15 u.s.c 1681 section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions!

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 2021-02-11
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This complaint is being submitted with regard to a {$100.00} XXXX Gift Card I purchased from the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2020. I purchased a couple of Gift Cards in XXXX to be used as XXXX gifts when I was receiving extra stimulus benefits. 

The gift card was given to my granddaughter as her XXXX gift, but she was unable to use or activate it. I consequently retrieved the card from her and contacted XXXX USA in an effort to resolve this issue. 

After my call to XXXX USA I was directed to submit a fax along with a copy of both sides of the XXXX gift card, a copy of the XXXX Sales Receipt and my contact information. 

I threw away the original cash register receipt, but I checked my bank account and I was later able to determine that I made the purchase on XX/XX/XXXX, and with the help of my XXXX Plus Shoppers Card the XXXX Corporate Bookkeeping Office provided me with a copy of the Receipt Details statement for my entire purchase on that date. 

In my effort to resolve this issue I made multiple follow-up phone calls and submitted/faxed the requested information and documents THREE times as requested/required. In my follow-up phone calls I was told that I had to CONTINUE submitting/faxing the SAME information once again. 

The first time that I called I was told that I needed to submit a copy of a government ID, but I was later told that I only needed to submit " contact information '' which I did. ( I overheard the phone agent confer with someone about that specific directive. ). When I called to follow up on the matter I was first told that I needed to submit a government ID ; later I was told that they did not receive the info. I submitted the info a third time and I was told that the ID/license was too dark and I also needed the original receipt. I am not able to provide the original receipt, but I provided them with proof of purchase information that I obtained from the XXXX XXXX XXXX based on my debit card purchase and my XXXX Plus Shoppers Card. I also asked if I could submit the required information via email, because I do not have a fax machine and I was told that I could not. 

Please note that when calling XXXX USA a voice recording indicates that their phone calls are recorded. I make note of this as proof/evidence of my effort ( s ), in the hope that this can support my complaint. 

I shared with the XXXX USA staff that I was concerned that I was getting the run around as part of their effort to discourage me from following up on my claim, because this is a common practice with some businesses, and this is also why I am submitting this complaint. 

Your efforts toward resolving this issue are greatly appreciated.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the 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 explanation
Consumer complaint received 2019-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2019, I spoke with the branch manager, XXXX, at The Citizens Bank, XXXX XXXX, XXXX branch regarding the source to pay any overdrafts on my account. While I did have a line of credit attached to the checking account, I made several requests to change the source of overdraft payments to my savings account, and the branch manager, XXXX, acknowledged the request, and confirmed it was done. Apparently it was not done, about a week later, still in XX/XX/2019, an overdraft was funded by the line of credit instead of the savings account, and then reported to the credit bureau that I went over the account limit. I requested the negative reporting be removed, but the bank said the report was correct. They made an error at my expense. 
In XXXX I spoke with XXXX, a senior customer service rep, ( XXXX ), who " escalated '' the case to XXXX, ( XXXX ) XXXX, of the " chairman 's office ''. It has been almost a month, and they have yet to resolve, or even give me a response, despite repeated calls to " XXXX ''. This was a bank error, and the report was untrue, and should be removed, as it is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called XXXX XXXX  the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of {$3500.00}. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 602 Section A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-26
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1400.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$1400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Convergent Resources, Inc.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I own my home out right. I also own a 28 acre parcel. Yet my credit score is lowered because I have a paid off mortgage.

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 2021-03-13
Company: Credit Adjustments Inc
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-13
Company: Bread Financial Holdings, Inc.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief