BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: Block, Inc.
State: PA
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/17 I was scammed by someone using Cash App. The posed as a XXXX XXXX  and managed to get a total of {$500.00} from me. As soon as I realized this was fraudulent I notified Cash App. Cash Apps customer service is XXXX XXXX person said they'd investigate and refund. XXXX person said I'd never get my money back. Another said I would but it would take XXXX XXXX! Another said that reporting fraudulent transactions to Cash App is more about them learning to prevent them and that they will do nothing to help you. Meanwhile scammers run rampant on cash app because they know they are welcomed there. This loss of {$500.00} has caused me to become XXXX  and still Cash App does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit 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:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Appeal Regarding Unsatisfactory Veterinary Service Dispute with Chase Freedom Card I am writing to appeal to the Consumer Financial Protection Bureau for assistance with a recent transaction dispute on my Chase Freedom card. The transaction in question pertains to a service provided by a veterinarian for the treatment of my dog and cat. The transaction took place on XXXX of XXXX with XXXX XXXX for amount of XXXX dollars. 

Briefly summarized, my pets were administered steroid injections by this new veterinarian with the expectation that it would alleviate their symptoms, including itching, swelling, hotspots, biting, and licking paws. Sadly, three days post-treatment, not only have their symptoms persisted, but they have also significantly worsened. 

Given the lack of improvement and the deteriorating health of my pets, I contacted Chase Freedom 's customer service to dispute the charge, hoping for an understanding and resolution. However, their approach towards the situation was unyielding. They suggested I consult another veterinarian and produce a statement that confirms the ineffectiveness of the previous treatment. While I understand the need for verification, I found this requirement burdensome and potentially inconclusive. A secondary veterinarian, without prior knowledge of my pets ' condition pre-treatment, would be ill-equipped to provide a definitive comparative statement. 

Furthermore, I inquired if Chase would bear the costs for this secondary consultation since it was a condition they imposed, but this was declined. It feels unjust that, in seeking redress for a service that was ineffective, I am compelled to incur further expenses, with no guarantee that they would be recouped. 

It is important to understand that my dispute is not based on mere dissatisfaction but the tangible worsening of my pets ' conditions post-treatment. It is disheartening that the resolution offered involves additional financial and emotional stress for me. 

I kindly request the Consumer Financial Protection Bureau to intervene and guide this matter to a fair resolution. I genuinely believe that I should not be held accountable for charges related to services that not only failed to deliver their promised results but also led to further complications for my pets. 

Thank you for your time and attention to this matter. I trust in the CFPB 's mission to ensure consumers like myself are treated justly in financial dealings and look forward to your guidance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Financial became my loan servicer on XX/XX/2022. On XX/XX/2022 Selene notified me that they had added {$12000.00} to my loan for interest charged since the month prior. Why was this amount erroneously charged?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Greetings, I have submitted my billing error dispute with Comenity Capital Bank to the address on the monthly statement I was sent as they requested via certified mail. Ive called several times requesting an update and also emailed their message center as one of their colleagues suggested. No one seems to know what Im talking about. I asked to be transferred to the dispute department only to find out there isnt one. I was then transferred to a pleasant young lady by the name of XXXX. She stated Comenity policy states it has up to 60 days to respond. I asked where was she reading from because thats not what is states on the papers I received from BJs. I ask that you contact XXXX/Comenity Bank to resolve my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX, I purchased a XXXX XXXX XXXX in XX/XX/2016 under XXXX XXXX which months later became First investors financial services. When this happend my loan increased, according the company because of the transfer the loaning companys went thru. Since I purchased this vehicle I have had nothing but nightmares with this company or companies. I was not even aware of when the transfer took place. I have also made payments and they say they havent received a payment, at one point they also charged me for a towing service since repo apparently had gone repossess my vehicle. They never repossessed or attempted to, to the best of my knowledge I felt forced to pay the towing fee to avoid future problems and charges.

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 2021-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I was notified that a purchase in the amount of {$53.00} was made at XXXX  and XXXX  on my debit card was blocked and requested authorization, which I declined, since I hadn't made any purchase. I than went to check the transactions on my account at the B of A website. There were three unauthorized transactions in the amount 0f XXXX, made at both XXXX  and XXXX  and XXXX. I contacted B of A fraud department and was assured that all transactions had been blocked and that I needn't do anything more. They would cancel my existing card, issue me a new card and remove the transactions I had not made. 
Now, XX/XX/2021, after receiving my new card I noticed that the transactions had never been removed and had been paid despite what I had been told. Further, B of A stated they would have to conduct an investigation that could and probably would take 90 days before they could determine if I am or am not legitimately liable for the charges. 
They also recommended I file a police report, which I have also done today.

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 2022-04-19
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-11-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XX/XX/XXXX XXXX XXXX  terminated their relationship with XXXX XXXX XXXX. I held two credit cards via XXXX XXXX and did all my business on these cards. Without notice the cards were canceled and ALL balances and records identifiable with the cards were transferred to Comenity Bank. On XX/XX/XXXX, after having my XXXX cards denied at a doctors office, I returned home and found I had received the Comenity cards in the mail. As directed, I activated the Comenity cards on XX/XX/XXXX, and registered the cards for online banking. The online bank accounts are not/have not worked. Repeated calls to Comenity result in the same response-our technical team is working on the issue. In the meantime there is no way to review statements, make payments or claim rewards. I paid off my balance immediately via the phone and have no intentions of using the cards in the future. I however can not cancel the cards as Comenity is holding my financial records. I have no idea where my balance for cash rewards stands, I have no way to review balances for suspicious activity ext, and I have yet to receive a paper bill. I am one of hundreds perhaps thousands with these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Unauthorized inquiry on my credit report provided by Experian. 

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
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have two loans and it's giving a balance of {$99000.00} which is affecting my credit score. XXXX XXXX XXXX should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.

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 2021-09-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A {$1000.00} check, dated XX/XX/XXXX, was cashed from my account for {$3000.00} and the bank has yet to credit my account with the difference. 

Attached to this complaint is a copy of the deposited check, obtained from my bank, PNC. You can see clearly that I wrote it for {$1000.00}. On the top line you can also see that instead of the amount I authorized, {$3000.00} was actually debited from my account. 

I contacted the bank repeatedly over the past several months. Every time I call, I'm told that they're waiting on the receiving bank to get back to them, etc. One person told me that the case had been closed, but could provide no justification for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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 status incorrect

Complaint:
My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have two loans and it's giving a balance of {$99000.00} which is affecting my credit score. XXXX XXXX XXXX should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Repeated calls from a debt collector to myself and my spouse during work hours. On XX/XX/2021 I answered a call from XXXX from Direct Management and was speaking to a woman who would not identify herself just who she was calling for and the debt she was calling about. After she explained her side she asked for me to set up an agreement to settle the matter which I never do over the phone since being a victim of identity theft. I asked for an itemized bill and their contact information so that I could set something up and woman began to repeatedly tell me me that I was trying to avoid paying my bill and put it off longer, and that she was going to make note of it on my account if I wasnt going to make an arrangement at which time I told her I needed her name and I wanted to speak to a supervisor. She didnt give me her name but transferred me to a supervisor. At first the supervisor told me it was XXXX XXXX and when I mentioned that to would be reporting the contact for being oppressive and harassing he told me it was XXXX XXXX that I spoke to. I then ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2021-09-17
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal refused to close our account citing they needed 180 days to return our money and now my balance is XXXX citing charger for violation of acceptable use policy collectively Paypal is stealing almost {$4000.00} dollars from a XXXX veteran after making me believe for the last 6 months my money would be returned. surely this type of criminal activety wont be ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: DE
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: Investigation took more than 30 days

Complaint:
I checked my consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : 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 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 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
Consumer complaint received 2019-11-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XX/XX/XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation