BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After reporting Citi 's fraudulent late charge to the relevant credit bureaus, they vindictively locked my card and forced me to call in to regain access to my account. I believe this is yet another clearly intentional and vengeful act this company has perpetrated against me for reporting their felonious activities. The company is angry they've lost a customer and are trying to attack me to prevent me from spreading the word about their untrustworthy business practices.

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 2023-08-03
Company: KLS Financial Services, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of anything that is on my credit report. I have not supplied the doctrine of XXXX by silence Engelhardt vs gravens ( mo ) 281 sw 718,719. I presume that no proof of the alleged debts nor therefore any such debt in fact therefore exists

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 2022-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have filed a travel insurance claim through Chase Sapphire - XXXX for Trip Cancellation. My claim was partially denied despite the transaction being covered on the Chase Sapphire Preferred card benefits. Travel insurance claim was partially denied for an amount of {$11000.00} for a set of transactions tied to a prepaid bareboat charter. Multiple requests have been refused by different representatives to provide the denied reason in writing. The only verbal explanation justifying the denied claim was due to the charter not being crewed. Representatives have promised a follow up from a Claims Adjuster to discuss the denial but no attempts at contact were made. Furthermore, representatives have been dismissive and in one instance hung up on the claimant. 

All documentation to the trip cancellation has been provided on the claim and can be provided upon request. 

The publicly available Chase Sapphire Preferred card benefits, that were also provided by a representative, state [ XXXX : XXXXXXXX XXXX XXXX  ] : Eligible Travel Expenses are Non-Refundable prepaid travel expenses charged by a Travel Supplier ( Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers ). 
- Card Benefits, Trip Cancellation/Trip Interruption Insurance , What Are the Eligible Travel Expenses Covered ( page 29 ) The card benefits go on to define a Rented Recreational Vehicle Provider : Rented Recreational Vehicle Provider - a commercial rental Company licensed under the laws of the applicable jurisdiction and whose primary business is renting watercraft, bareboat chartered boats, all-terrain vehicles, motorcycles, dirt bikes, jet skis, snow mobiles or any other motorized vehicle used for recreational purposes, unless stated otherwise or an exclusion applies. 
- Card Benefits, Definitions ( page 38 ) A bareboat charter is well defined as an arrangement for the chartering or hiring of a ship or boat, whereby no crew or provisions are included as part of the agreement. This is a widely held definition used by boat chartering companies and the XXXX XXXX XXXX ( XXXX ). 

These expenses are clearly covered under the stated card benefits created by Chase and denial due to the charter not being crewed is not consistent with the agreement. Attempts to seek even basic explanations for denial and resolution have been met with a lack of cooperation or outright avoidance in communication. The claimants intend to follow through on ensuring the agreement is upheld by the insurance provided. 

Calls have been made requesting written information about my claim on the following dates : - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Common Wealth sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt for XXXX that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Common Wealth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2019-06-18
Company: EQUIFAX, INC.
State: TX
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:
the following accounts have been disputed on these dates for these reasons : XXXX-XXXX-19, XXXX-XXXX-19, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
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:
Account # XXXX XXXX XXXX XXXX IS REPORTING A REPOSSESSION, REQUEST A DEBT VALIDATION LETTER, DISPUTED REPORT.. BUT NOTHING IS TAKING IN ACTION.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXX of XXXX, and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within FOUR BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2022-12-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account info Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$490.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$640.00} Terms NA This account was fraudulent, and this is identity theft and double posting to the account. this need to be thoroughly investigated '. Please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: AR
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 six request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The information I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No body care about this matter, remove the inaccurate information in my credit record that came about due to an alleged fraud. These are the following items tnat needs to remove immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Central Portfolio Control Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent certified letters to them explaining that I have no idea what this was and that this debt was not mine. They could not verify that it actually belong to me yet they refused to remove the negative info from my credit report. I have yet to establish any credit but would like to start but can not because of the wrong info on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: FL
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:
In a letter dated XX/XX/2020, I mailed a dispute to XXXX This dispute alleged that 19 hard inquiries were not authorized. XXXX did not investigate and simply asserted that the hard inquiries were a factual matter. IT took XXXX  until XX/XX/2020 or more than 30 days to resolve the matter. 


On XX/XX/2020, I filed an online dispute with Equifax with respect to hard inquiries. I stated that these disputes were not authorized by me. On the very same day, Equifax closed the Dispute and refused to investigate. 

On XX/XX/2020, the court, Norman v.Trans Union, LLC, Case No. 18-5225 ( E.D. PA XX/XX/2020 ), held that XXXX could be held liable for reporting unauthorized credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I would like I.C System Inc. to kindly cease the illegal activity of trying to collect a debt within a state you are not licensed in. In the state of NJ, all collection agencies are required to be licensed within that state, under the New Jersey Consumer Finance Licensing Act, N.J.S.A.17:11C-1 ET SEQ.

I.C Systems are licensed in only 13 states and New Jersey is not one of them. 

Arizona, Connecticut, Idaho, Indiana, Maryland, Massachusetts, Nebraska, Nevada, New Mexico, North Dakota, Oregon, Rhode Island, and Wyoming

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 2022-05-18
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 following companies have violated my rights. 

15 U.S.C. 1681 section 602 A States I have a 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. 

XXXX XXXX  Acct : xxxxxxxxxxxx XXXX This was also a secured account where the amount funding the original should have been updated to reflect accurate balance. 

XXXX XXXX XXXX Acct : XXXX XXXX This account was in predatory lending lawsuit and they have failed numerous disputes to accurately reflect all payments made in the 4 year period before the illegal repo which there was an agreement in place to have funds paid by a certain date. The original purchase minus the total payments and the sale of the vehicle at auction which they failed to notify me of the date or location so that I could settle the difference. They took the vehicle to another state for auction and I was uninformed. 

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  The information is inaccurate as listed on all accounts as far as dates and amounts plus some payments. They have been disputed through the credit reporting companies as well and they all failed to provide the proper validation and or updates as requested by me, the consumer who is named. 


My information on some reports also has my name listed as XXXX XXXX or XXXX XXXX which is not me. 


15 U.S.C. 1681 section 602 A States I have a 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 2023-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report.

Account Name : 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 2023-05-09
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 information incorrect

Complaint:
This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately

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 2022-12-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account number XXXX Date opened XX/XX/2019 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXXXX/XX/2023

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 2022-07-07
Company: EQUIFAX, INC.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: NV
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 am disputing the item on my credit report XXXX XXXX Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX XXXX my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap. 

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX on XX/XX/XXXX I made payments since XX/XX/XXXX tell XX/XX/XXXX in the amount of XXXX thats a total with all payments made by me and, my Insurance company XXXX also I have gap through XXXX that included total loss plus XXXX XXXX XXXX  which I only got to use the XXXX for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX for XXXX plus XXXX for XXXX. Which was told by XXXX XXXX that will be applied to my balance. 

The reporting of this should be paid and, closed with a XXXX  balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XXXX as, my bank sent them a Teller Check for way more than my monthly payments.

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 2023-05-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I sent XXXX to myself from my chime account... When I tried to claim the funds the link stated something went wrong and I was not able to claim the funds. I sent myself XXXX dollar and I was able to claim those funds. I have proof that the funds were never claimed. When I try to re claim the XXXX dollar that I sent it says your funds has been claimed. When I click on the link to claim the XXXX dollars it says something went wrong. It does not say the funds were claimed. I have attached the screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
a person bought some goods { clothing } from me and paid the money to PAYPAL. i have a paypal card ive never used but have regeistered with paypal. they have refused to allow me to transfer or spend any of the moneies what so ever. i call them daily and get nothing but a runaround and lies. ive submitted answers to all of the security questions and jumped through every flaming hoop put in front of me. ive submitted the tracking number for the package sent. they even asked where i store my goods at. the package i mailed has been delivered and the person has notified paypal of this. every day paypal tells me lie after lie. any help or assistance will be greatly appreciated. THANK YOU. p.s. they will not even send me a check for the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: AL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX  XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

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