BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: Strategic Alliances, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: CITIBANK, N.A.
State: VA
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:
I purchased two items from XXXX one of which I returned after obtaining an XXXX and return shipping label. Despite returning the item, XXXX  failed to issue a refund for the returned merchandise and was non-responsive to follow-up inquiries. I then disputed the portion of the charge for the returned merchandise with CITI, which denied the dispute based on " the merchant 's response, '' which consisted of a sales receipt for a different item, sent to a different customer, in an entirely different state ( Attachment 1 ).

I then sent a letter to CITI pointing this out and questioning how they could possibly be acting in good faith with their response ( Attachment 2 ). CITI responded with a letter stating that they had re-opened the dispute, but also stating that they had " called the merchant and spoke to XXXX, who indicated a refund was issued in the form of a gift card via email on XX/XX/2023. '' ( Attachment XXXX ). CITI did not provide any further information about their purported call with " XXXX, '' nor did they provide a copy of the purported email issuing a gift card. In fact, no " gift card '' was ever received, whether by email or otherwise, and the narrative purportedly provided by " XXXX '' is entirely fictional. 

On XX/XX/XXXX, CITI sent another letter stating that " the merchant is not willing to issue credit to your account, '' and that CITI " no longer [ has ] any additional recourse to pursue a credit for you through the dispute process. '' ( Attachment 4 ). Once again, CITI provided no support for the denial, or any evidence supporting the validity of the disputed charge. Instead, CITI appears to have taken the position that because XXXX  will not agree to voluntarily issue a refund for the properly returned merchandise, CITI will not reverse the charge. 

Because XXXX  does not dispute that the merchandise was properly returned, and has provided no evidence whatsoever of the purported " gift card '' that was never provided, CITI 's refusal to reverse this charge is unreasonable and not in good faith. I request that CITI be required to comply with their legal obligations and reverse the charge.

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 2023-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo I have a inherited IRA. I want to transfer it to XXXX. Wells Fargo requires a bank statement along with the form from XXXX in order to permit the transfer. However, Wells Fargo only will create a statement in XXXX and XXXX. There are no other remedies, they wont make me a statement even for this purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, On XX/XX/XXXX my daughter 's cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her College. I am in Colorado. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- United ending XXXX and British Airways ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within 24 hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX my daughter reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud operator. Initially I received an email reassuring me of the Visa/Mastercard guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my United and British Airways cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account name XXXX XXXX and number 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 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 2023-01-25
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Having bought a home for {$310000.00} at the height of the market in XXXX and struggling to keep it during the housing crisis plus dealing health issues ; I decide to sell in XX/XX/XXXX to move to another town for work. My home was still under water and had to list it at {$190000.00} as a short sale while a new developer was selling homes around the corner for {$160000.00}. Despite that, it was under contract within the first week although Wells Fargo would not accept the sale. Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo repeatedly refused to accept the sale until I made it clear I was already living in another town due to work I was physically able to do. The house finally closed as a short sale in XX/XX/XXXX for XXXX. I have the paperwork to show their agreement to the SHORT SALE, however it was years later that I finally discovered the short sale was listed as a foreclosure. In fact in XX/XX/XXXX I attempted to get a mortgage only to be hustled out of the office without being told why. This broker at a State Bank location in XXXX Arizona did not tell me my short sale was shown as a foreclosure and I went several years more before someone would tell me what they were seeing on my credit report. I have tried since then to have this corrected with Wells Fargo denying any wrongdoing. Now my credit report is excellent but now I am retired after years on XXXX and can not afford a home when I should have been able to purchase a home the summer of XXXX ; 2years after the short sale was completed. 
Wells Fargo ruined my life.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Experian is using incorrect/imprecise language on my credit report which is causing XXXX to XXXX me credit. Experian says I have " insufficient credit experience, ' which is not true. What they are trying, but failing to say is that I have insufficient RECENT credit history. By saying insufficient credit experience, it could mean that I was a XXXX XXXX XXXX with no credit experience at all. However, I am a XXXX XXXX XXXX with over XXXX years of excellent credit experience ; just not within the last XXXX  years. I explained that I was retired from my job with the Federal government XXXX  years ago and I PAID OFF ALL MY DEBTS at that time, which to my generation was the responsible thing we were taught to do. Instead, because experian refuses to use accurate language, XXXX keeps referencing 'insufficient credit experience ' as the reason they are denying me credit - which is untrue. Whoever at experian crafted the language should be required to go back to college, because they do not understand correct usage of the English language. They would fail the test if they tried to say insufficient credit experience meant the same thing as insufficient recent credit history. Everyone knows that and Experian needs to accurately reflect my long history of positive credit experience when issuing my credit report. If they are going to be the clearinghouse of information, they have a responsibility and obligation to be accurate in their reporting.

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 2022-10-06
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX  during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: TX
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/XXXX, a person claiming to be my bank, Chase Bank, contacted me regarding my debit card being used in a fraudulent transaction in New Mexico. This person knew my home address, my debit card number, and, throughout the call, knew Chase Bank procedures well enough to know when text verifications would be sent to my phone, when authorization requests would come through, etc. to the point I had little reason to doubt they weren't Chase. It wasn't until they asked about my PIN number right before hanging up that I suspected things weren't right. 
Immediately after hanging up, I checked my bank account and saw {$1400.00} of withdrawals had been conducted through an ATM located on XXXX XXXX in XXXX, TX, near where I live. I locked my card through my app, went to my local bank branch, informed them, and contacted Chase through the number on my debit card to inform them of the transactions. They cancelled the card and went through the process of issuing a new one which I received on XX/XX/XXXX. 
My problem is that according to a letter I received on XX/XX/XXXX, they will not be reversing the charges and all efforts I have made to contact Chase and get the case re-opened have not produced results. I went directly to the bank branch where the fraudulent charges took place and, other than photocopying the claim letter, did not receive support. I've contacted Chase on the phone several times, but they claim that since the transactions were made using my PIN, they consider the transactions to be valid in their system. 
I've made a police report to the city of XXXX, TX as part of this process as well. 
While I admit that I gave information I shouldn't have in the form of my PIN, as soon as I realized the mistake, I reported it and tried to take actions to prevent further loss. It seems that a reasonable assessment of the situation along with a simple check of security camera footage from the ATM coupled with the fact that I've reported the incident to multiple authorities should be enough to show that I don't approve of these charges on my account, despite the fact that my PIN was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 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 2023-01-14
Company: JPMORGAN CHASE & CO.
State: FL
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:
I filed a dispute with Chase Sapphire credit card about XXXX XXXX for {$1500.00} on XXXX XXXX, 2022. XXXX was hired to pressure wash, re sand and seal my pool deck. Product washed away after first rain. He agreed to return but after several weeks and calls never did. I had called Chase on a separate issue and the customer service rep asked if I'd like an update on my dispute. She read a detailed letter to XXXX in my favor. After returning from vacation Chase sent me a letter in favor of XXXX. Spoke to supervisor at Chase, XXXX, and was told I could request another review. After researching my case she said there is " no footprint '' of that conversation and I was out of time to dispute further. I have had this credit card 27 years. Never have I filed an erroneous dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 non-monetary relief