BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX XXXX XXXX appeared as a pending charge. I send cash app support a message. Letting them know the charge was unauthorized. Cash app then informed me that the charge was pending and to try back later. 

Today XX/XX/XXXX I reached out to cash app because the charge and posted. Cash app has responded with email for there support team : We will update you with the required information to open your claim within 10 business days. 

Please note, the card network provides the merchant up to 45 calendar days to investigate and resolve your claim. 

We appreciate your patience throughout the claim process. 

This is not fair that I notified them before the charges posted and now have to wait 55 days for response to my money. During these times my family needs every penny and cash app is taking advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belongs to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was taken at night on XXXX, with that my debit card and ID were taken. My passcode ID on my phone was my birthday which my ID ( which includes my Birthday ) was located on the back of the phone. Following that there was transactions of {$4300.00} between XXXX and XXXX. I never authorized these transactions as I did NOT have possession of my Phone, Debit Card and ID. I called bank of America immediately in the morning when they opened to report this. That is when they explained to me there was all these transactions taken, which I instantly denied. Bank of America then informed I would then have my money within two days. I reached out again on XXXX as I was still very nervous and then was informed that perhaps this investigation would take longer, and I would then be given my credit back on XX/XX/XXXX. Then today at XX/XX/XXXX Bank of America rejected my claim. They rejected on the fact that since the XXXX transactions could only be done on my phone, thereby only I was the person that was authorized to do it. I explain HOW, if I clearly did not have my phone. Now today XX/XX/XXXX, Bank of America claims I never told them I did not have my phone. LIES!!! That was the first thing I mentioned when I called on XXXX early in the morning. I had to verify who I was based on mother 's maiden name, and log in. Since I could not verify my identity via a text ( since my phone was taken ) and I could not verify the numbers on my ID ( since it was taken ). I NEVER AUTHORIZED this. Any normal person who saw these transactions would instantly see it as fraud. I reported this ASAP to bank of america. Bank of America claims to have a {$0.00} liability when reported, as well as Regulation E requires it within the first 2 days. I reported this within hours. Again I did not have my Phone, ID or Debit Card itself. Bank of America is refusing to return my money that was stolen, after representatives at first assured me I would be returned this.

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 2022-03-25
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 my bank allowed XXXX transactions for the same amount and to the same place. Totaling {$1900.00} after the investigation they refunded me back XXXX transactions totaling {$720.00} the rest they said we're done by me. Which shows the level of incompetence. Reason 1 was because I shopped there before which is a lie. I never have. Reason 2 something about not changing my pin number. It says on the transaction debit used no pin so it makes no sense. I tried and tried to reach someone for at least a better explanation to no evail. Customer service isn't advance to explain things. It's been 3 months and I got no reasonable explanation. Also if I committed fraud why refund XXXX oh the transactions at all. Please help it's a lot of money they want to steal from me. 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 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belongs to me legally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Personal information incorrect

Complaint:
On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing XXXX  and XXXX  hardships for my family and I. This is unacceptable Per federal law they're in violation.

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 2020-12-17
Company: EQUIFAX, 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:
XX/XX/2016 I went to XXXX XXXX XXXX XXXX for a consultation. I wanted to know what my options were. Later Id started getting phone calls concerning payments, later in mail about a court date. Id called several times to speak with the attorney, I wasnt able to reach her, later was told she no longer works for the company. Filed a complaint with Ga XXXX XXXX, basically the attorney stated she could not make any statements because she didnt have any information in front of her. I simply went into the office to find out what my options were. I did not file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: AmeriCollect
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the original creditor XXXX XXXX XXXX XXXX Ph # XXXX, they could not verify the debt ; Additionally, the representative made excuses and attempt to gain information from me in reference to my physical address rather than using any information they would have on file since their claiming I owe the debt it would be such a record or documentation or proof to this fact in their possession. 

I provided the name of the debt collector supposedly was hired by XXXX. the company name is Americollect , Inc . and the amount {$71.00} owed Additionally I fax this dispute to XXXX who claimed they did not receive the dispute on XX/XX/22 also they tried to make a new dispute for XX/XX/22 attempting to cover up for their negligence in misplacing the original dispute letter therefore getting around the F.C.R.A. Section 611

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I mailed a letter to each of the three bureaus Equifax, XXXX and XXXX. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I contacted Chase to dispute a charge. I paid the merchant on XX/XX/XXXX for a future service that would not take place until XX/XX/XXXX. At that time I realized that the merchant overcharged me. When I opened the dispute on XX/XX/XXXX the representative ( Im sure call was recorded ) was adamant that I only had 115 days to submit claim from the date of the charge. I submitted it in the advised time frame. Later on XX/XX/XXXX my claim was abruptly closed by Chase. On XX/XX/XXXX I was advised by the rep in the claims department that I only had 60days! Im now filing a complaint against Chase because I was misled by their representatives and its obvious that I was not told 60 days on XX/XX/XXXX or the representative would have never opened my claim at that time. As a result of Chase inconsistencies this has caused me to lose the opportunity of recovering the {$300.00} that I was overcharged. I have been a loyal Chase credit card holder since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/24, my debit card with Wells Fargo was used without my authorization at a XXXX in XXXX, CA. It had been skimmed when I used it earlier that evening at a XXXX in XXXX XXXX, CA, where I reside. I was not in XXXX at the time my card was used, and XXXX is an hour and a half from my home. My card information was used for nine different purchases, totaling {$890.00}. I do not have a history of this kind of behavior. I reported this to Wells Fargo, and they gave me a provisional balance of {$1200.00}, which also included a mistakenly flagged XXXX transfer to my wife, which was reversed out of her account and which I have since repaid to her. 

Today, Wells Fargo reversed the provisional payment as their internal investigation determined that this was not fraud. I'm at a loss here, as I did not authorize these charges, nor was I in XXXX at the time they were made. I don't understand how unauthorized use of my card information does not constitute 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 2022-03-19
Company: EQUIFAX, INC.
State: CO
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 was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Portfolio recovery regarding an outstanding balance. I had no recollection of their account or balance and assured it must be an error. I requested proof and breakdown of charges. They refused to provide that. I called the hospital in question, spoke to the XXXX  XXXX and they're unaware of such charges. Portfolio recovery is trying to rob me of my hard earned money, is in breech of the no surprises act and violation of the new law implemented in XXXX regarding medical debt on a credit report. Now I have a bogus account on my credit report of XXXX thanks to portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX has deleted inaccuracies, items that report past statute of limitations, and incorrect personal information- HOWEVER! 

XXXX and Experian WILL NOT follow suit with XXXX, my last claim they took almost 60 days. 

XXXX and EXPERIAN are reporting inaccuracies after I have made NUMEROUS attempts for them to fix it. 

XXXX and EXPERIAN are reporting items that are past their statute of limitations. 


XXXX - XXXX deleted in XXXX, but XXXX and Experian WILL NOT XXXX  - XXXX deleted in XXXX, but XXXX and Experian WILL NOT As well as inaccurate addresses and incorrect spelling of names/ relationships to people I have uploaded proof that Experian has deleted items and XXXX and XXXX XXXX to 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 2022-03-19
Company: LEXISNEXIS
State: IN
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:
On XX/XX/XXXX I sent a dispute in writing of bankruptcy case being inaccurately reported on my credit and consumer reports. This dispute was met with a response from Lexis Nexis stating they could verify my identification and to send documentation for dispute to process. On XX/XX/XXXX I disputed the same two bankruptcies and attached evidence from the court 's website. This was sent via fax, email and mail. On XX/XX/XXXX I received a response attaching url link to view consumer report. It did not mention my dispute in any nature. On XX/XX/XXXX after no response to my two previous disputes I called an did a dispute of every item over the phone. In response dated XX/XX/XXXX to that telephone dispute I received correspondence stating " after a reinvestigation of the data in question, LexisNexis updated bankruptcy case number XXXX listed on your LexisNexis report. '' Although the reference both LexisNexis case numbers in the letter, they fail to mention the both investigations and actions. Further, they can not use a dispute to update clearly inaccurate information. They must delete any and all unverified and inaccurate information per FCRA. They have also failed to respond within the federally granted 30 days. 
They have not deleted any of my inaccurate personal information like name misspellings, incorrect/outdated addresses, and private banking and insurance information. Who my car is insured with is NOT for public record and I prefer to remain private. Who I bank with is NOT for public record and I prefer to remain private. I have not given this agency any authorization to run any form of data purchasing, sharing, selling or storing of my personal and consumer information. In their response dated XX/XX/XXXX they clearly acknowledged they discovered data was unverified. Yet used that time to update my consumer report with inaccurate information again. A criminal case can not be reported under driving record segments per the CRRG. They are simply seeking out information from internet searches of like names and addresses. This does not meet identification verification purposes per FCRA. In closing, the bankruptcies they are reporting are not even reporting in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: TX
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 is 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