BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: FISERV INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was at the store on XXXX XXXX doing some shopping when it came time to check out i could not find my card so I went to use XXXX XXXX and my payment kept not going through so I pulled up My Money Network app and seen a {$1000.00} transaction sent out of my account to XXXX XXXXp so I ended up having to leave the store without my groceries felt like everyone was staring at me.so I then called my cards customer service right when I got into the car told them about the unauthorized transaction told them I locked my card had them cancel it and send a new one sent within 2 days next I called XXXX XXXX  to let them know of what had happened wasn't sure if I had to contact them or not.So then had to wait for papers to come in the mail to sign the dispute. on XXXX I received 2 envelopes from money network one held the dispute papers the other held a denied letter about my dispute due to me not doing the paperwork I got both papers on XXXX how does that work i dont say how long the mail takes to get to my house. IV been with these guys for years never any problems I was shocked the transaction wasn't denied and flagged since IV never sent that amount to anyone ever to me that is a none normal thing and should of been stopped and I should of been alerted for it iv appealed my dispute like 3 or 4 times still denied I sent them my XXXX statement for XXXX XXXX XXXXo prove it was not my account nor did I have any transactions like that I told them that someone has to of stole my card cause I couldn't find it to make my purchase and with the transfer transaction it's obvious some one had used it I also notified all 3 credit bureaus about the fraudulent transaction iv talked to money network on the phone many many times even asked to talk to a supervisor a few times just gets me no where I don't understand this I feel like this is there fault not mine why do I have to go through this headache.on money networks web site it says stay confident with XXXX XXXX  Zero Liability Policy* is our guarantee that you ( won't be held responsible for unauthorized charges made with your account or account information ). You're protected if your XXXX credit or debit card is lost, stolen or fraudulently used, online or offline. Iv seen there has been many diff lawsuits against money network for not crediting people 's accounts for unauthorized transactions and other similar things so please I beg you to help me get what I'm owed by money network it's just not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Account status incorrect

Complaint:
XX/XX/2023 RE : Social Security Number : XXXX and account reported from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account # XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, 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 2022-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: In progress
Consumer complaint received 2023-02-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding company only will send a copy of a credit card statement as validation of the debt. I have asked for them to send me a copy of a signed agreement with Midland Funding and myself. Also, they keep changing the amount owed each time I dispute the debt. On XX/XX/XXXX they reported to the credit bureau for account # XXXX amount {$3300.00} after I disputed it. On XX/XX/XXXX they changed the amount to {$3300.00}, on XX/XX/XXXX they changed the amount to {$3300.00}. on account # XXXX they reported on XX/XX/XXXX amount owed {$750.00}, on XX/XX/XXXX amount owed {$750.00}, on XX/XX/XXXX amount owed {$750.00}. The also have removed the previous information to make it appear that this is a current debt. They also did the same on account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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:
My information has been illegally obtained and use to charge unauthorized accounts that I did not even know I had until they were already calling me from collection companies. Please help me get these fraudulent accounts removed off my credit report in a timely manner as the credit bureaus have not been much help unfortunately. Thank you in advance for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$3000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXXXXXXBalance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXXXXXX Balance : {$1600.00} , XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Original creditor XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXX XXXX XXXX XXXX XXXXInquired

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 2021-10-05
Company: BANK OF THE WEST
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
First, I am XXXX yrs old, and on Social Security benefits as my income. As hard as I try, occasionally I am overdrawn when my bank, Bank of the West California, pays a programmed AutoPay bill on the XXXX of the month. I do not get my next SSI deposit until XXXX XXXX, XXXX. It will be more than two weeks before I can sort this out even though I have been a good customer for many years.

The bank will pay this even though I do not have Overdraft Protection. I also had one other account that tried to bill my account but that was only for {$15.00} so I guess that wasn't important enough for them to bother.

However, are there not rules against Usury? Being charged {$35.00} for an overdraft of {$88.00} is one thing, but then the bank threatens to charge an " Extended Overdraft '' fee for more than five ( 5 ) days! Isn't this called loan-sharking? Another {$35.00} for {$88.00} for five days? Give me a break. I am a senior and the bank makes lots of money on many, many fees. 

Is there any way you can not only help me with this instance, but also in getting the banking laws changed to prevent this kind of predatory behavior? Man, since XXXX, and passage of the Dodd-Frank XXXX XXXX XXXX have not seen anything but consolidation of the financial industry and a deterioration in service and an increase in plain old XXXX  and no one does anything about it. 

Your assistance is greatly appreciated, XXXX XXXX XXXX XXXX XXXX since 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 monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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 Credit Reporting act STATE DEPARTMENT FEDERAL account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX and XXXX XXXX XXXX account # xxxxxx XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

I have previously filed a formal complaint through CFPB against EQUIFAX and they have failed to address their FEDERAL LAW VIOLATIONS. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. 

I have also submitted an affidavit of truth and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CITIBANK, N.A.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX2023


CITIBANK  (CITI.COM)
COMSUMER COMPLAINT DIVISION

DEAR CITIBANK/CONSUMER FINANCIAL PROTECTION BUREAU
REF; XXXX

HOW OR WHY THEY STOLE MY MONEY, YES STOLE. WHEN YOU TAKE  ON OR ABOUT XXXX XXXX 2023 I DISCOVERED THAT A DIDABILTY CHECK XXXX WIRE TRANSFER FROM THE DEPT OF TREASURY HAD BEEN
SENT TO CITIBANK ACCOUNT XXXX( A CLOSED ACCOUNT) BY MISTAKE. YOUR BANK HAS FAILED TO RESPOND BY PHONE WITH ANY KIND OF EXPLANATION
OF WHAT HAPPENED TO THE XXXX SENT TO YOUR BANK MY ACCOUNT NUMBER, I HAVE RECEIVED XXXX DOLLARS FROM SAID CHECK, NOT ONLY DID I NOT GET ANY
HELP FROM YOUR CUSTOMER SERVICE AND FRAUD DEPARTMENT, I WAS LAUGHED AT LIED TO AND HUNG UP ON JUST TRYING TO GET A EXPLANATION OF WHERE MY XXXX 
WAS AND WHY I HAVE RECIEVED NO NOTICE FROM THE BANK EXPLAINING SOMETHING FROM SOMEONE WITHOUT THERE 
KNOWLEDGE OR CONCENT THAT IS CONSIDERED STEALING. BESIDES BEING TREATED SO RUDELY, AND YOUR BANK SHOWING LACK LEADERSHIP IN THIS CITUATION YOU HAVE CAUSED
GREAT HARM TO ME, MY WIFE AND XXXX  CHILDREN,. THE XXXX YOU HAVE IN YOUR POSSESION IS WHAT I OR WE HAVE TO SURVIVE ON EACH MONTH.
BY THE FACT YOUR BANK HAS HELD MY MONEY PERIOD HAS CAUSED UNDO HARDSHIP ON MY FAMILY AND STILL SUFFERING ALMOST XXXX DAYS LATER 
AFTER CONTACTING UR BANK TRYING TO GET ISSUE RESOLVED, EVIDENTLY YOUR BANK DIDNT SEE A ISSUE WITH HOLDING MY FUNDS THAT I SURVIVE ON, MY ACCOUNT WAS CLOSED 
OVER A MONTH AGO DUE TO FRAUDULANT ACTIVITY, SO THEY SAY, WHICH I HAVE COMPLETLY DENIED AND EXPLAINED HOW IT COME ABOUT. I WAS GIVEN THE CHECK FOR FURNITURE 
I WAS SELLING, MADE OUT FOR THE AMOUNT OF PURCHASE PRICE, IF I REMEMBER RIGHT IT WAS XXXX I DEPOSITED IT ON LINE TO CITIBANK ONLY TO FIND OUT A COUPLE 
DAYS LATER THAT NOT ONLY DID IT NOT CLEAR BUT IT WAS FRAUDULANT, FOLLING THE BANKS INSTRUCTIONS I CALLED THE NUMBER PROVIDED, TALK TO THE FRAUD DEPARTMENT AND 
IN AGREEMENT THAT ACCOUNT WOULD BE CLOSED..ITS UNFORTIUNATE THAT MY ACCOUNT CLOSED BECAUSE CITI WAS GOING TO BE MY MAIN BANK, ITS UNFORTUNATE FOR THE TROUBLE 
FOR CITI, BUT EVEN MORE UNFORTUNATE FOR ME, LOSING A BANK, AND XXXX XXXX DOLLARS WORTH OF FURNITURE, THERE WAS NO MONEY WITHDRAWN ON ACCOUNT OR THAT CHECK,
IVE SUFFERED MY LOSES AND ASSUMED IT WAS A CLOSED ACCOUNT, NOW HAVING THEM THE BANK CITI, HOLD XXXX HAS COMPLETLY DEVASTATED MY FAMILY, I NEED THAT MONEY
AND I NEED IT ASAP WITHOUT HESITATION, AS IS I SHOULD BE SUEING YOUR BANK FOR PAIN AND SUFFERING, NOT TO MENTION THE FINACIAL DAMAGES ACCURED. 
PLEASE I REQUEST THE MONEY ABOVE $XXXX BE RETURNED TO ME AND MY FAMILY....

                          THANKYOU FOR YOUR TIME, 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 monetary relief
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase has options on to report problem and dispute that does not work. They keep reverse charges of dispute when I dispute charges from XXXX XXXX XXXX  because I do not wish continue services because I was mistreated in the Dental by the Office Supervisor Referrence Number XXXX {$750.00} and {$270.00} while in in dental chair and process of treatment I ask to leave the dental chair to make an payment like it could not be upon completion. I request another dispute for pillows that was purchase supposed XXXX XXXX and I wash it two weeks ago and it still not dry and moldy smelling and while filing the claim I ask about and husband and if he was in the Military what that have anything with filing claim and why do the customer services answer the phone question you about the dispute and know they can not help and making me to continued to repeat myself. XXXX Referrence Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-10-04
Company: Paypal Holdings, Inc
State: NM
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:
XX/XX/2021 my PayPal account was hacked. someone made 99 payments to come out daily of XXXX on both my credit card and debit card. I have been fighting with my credit card company and PayPal to get this resolved and they are not assisting me instead pay pal has locked access to my credit card including accessing my credit card account to make payments on the remaining balance I have on the credit card. I have gone to the post office and received the fraudulent tracking number PayPal is trying to say that was mine and that it went to my home address which is incorrect, the address shows a different address in XXXX XXXX NM. So now this account is in Collections because they are not assisting with this I have spoke with supervisors over and over and 2 supervisors have stated they would remove this off of the account yet nothing has been done!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
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:
This is so annoying! I am so dazed about this situation. I have submitted the same complaints XXXX times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. TRANSUNION has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - 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