BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of criminals who posed as a celebrity and catfished me, placed me under duress and stress and got me to send them money via wire transfer which I did at my bank BMO Harris. The first criminal managed to get me to transfer {$1000.00} on XX/XX/2022. The second criminal got me to transfer a total of {$14000.00} which was broken down into {$500.00} on XX/XX/2022, {$3500.00} on XX/XX/2022, {$2000.00} on XX/XX/2022, and {$8200.00} on XX/XX/2022. This second criminal even went so far as so threaten me with criminal charges as he spun a story that he was arrested in the XXXX XXXX trying to get on a plane with a case of money which he sent me a video of the case of money and a picture of his plane ticket trying to come meet me because he had promised to pay me all of my money back and told me he punched a police officer and was taken to a XXXX. He proceeded to give me an email for the fbi who I emailed and the fbi sent me a clearance form to fill out which looked official so I filled it out then they asked me for {$50000.00} to get this celebrity out otherwise everyone would find out and his career would be ruined which of course was the last straw for me. Subsequently this celebrity told me that charges would be brought against me also. I did call and speak to one of the bankers that I had dealt with and she told me there was nothing BMO Harris could do to help me which I was extremely upset by and disappointed in because I have been a customer my entire life and really felt very uncared for and disrespected as a customer, not protected whatsoever which is why I found this route to get my money back since I was a blatant victim and have documentation of the wire transfers outside of the wire transfer receipt for {$500.00}, communication between myself and these criminals, email addresses, pictures, even a video to back it all up!! I appreciate your assistance with this matter as it has left me emotionally and financially devastated!! Not to mention scared since these criminals both have all of my personal information and I do live alone!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing is collecting a unpaid bill from XXXX XXXX XXXX, I do not own money to XXXX because when I sign up for their services they promised me a credit for switching to them. When I tried to contact them to apply the credit on my account they told me the credit was applied and I didn't have a unpaid balance.

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 2023-06-05
Company: Remitly, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
1 ) XXXX, XXXX XXXXSent funds {$1000.00} to my account by XXXX XXXX 2 ) over the next 6 days until XX/XX/2023, I kept receiving emails that my funds have been successfully sent to my bank and I will be advised when the funds would be available. 
3 ) I called daily only to be told that there were technical hitches and that they will be resolved soon 4 ) Final email sent to me today, XX/XX/2023, said my funds were delivered into my account and that this transaction is NOW COMPLETE- I have NOT RECEIVED THESE FUNDS YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/ I received a Macy 's Statement of Account indicating that I had a balance of XXXX. I have not used this card. While I was told that nothing more was due I am troubled by the 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 explanation
Consumer complaint received 2018-08-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
IQ Data International is the collection agency that was retain by XXXX XXXX XXXX XXXX XXXX the say i old a balance of XXXX dollars which is incorrect i am tired because XXXX XXXX XXXX XXXX  compromise my information and file a eviction on me in this XXXX this year i have attached all of the court documents

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/1922 I received correspondence from XXXX about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. XXXX informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX XXXX is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if XXXX was suppose to have been opened on XX/XX/XXXX when I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

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 2023-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I had a job interview through XXXX XXXX. I got the job and the guy said he would send me a check and to print and deposit the check. Did that and to get my equipment send {$1500.00} through XXXX and {$990.00} through XXXX. I kept asking if this was a scam he said no. Now the bank has my account in the negative and refuses to give me my previous funds and refuses to stop my paycheck that will come tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX XXXX XXXX XXXXXXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: IL
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:
Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit reporting agencies XXXX and Experian are refusing to remove an old account ( XXXX XXXX } that's over 7 years old from my credit file. I have disputed this with no results. When I try to dispute again my request is refused.

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 2022-11-08
Company: EQUIFAX, INC.
State: IL
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 toprivacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 ) y ( 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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ) My credit report is reporting inaccurate information and I keep getting an AI bot that replies and not an actual representative. Im sick and tired of these companies selling my information illegally without my consent, they are holding me back from making moves in my life and buying a home. these accounts also keep coming back verified. These collections are violating my consumer laws and its having a tremendous effect of me. 

these accounts are XXXX XXXX investments ( Acc : XXXX ) and XXXX XXXX XXXX ( acc : XXXX ). 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: SD
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:
A company cancelled my purchase and refunded the money for a purchase since XX/XX/2022. However that was not credited to the credit card. However the electronic portal is showing that the balance is negative ( refund amount ). On XX/XX/XXXX When I made another purchase, however, this negative balance included and I therefore had to pay the full amount of the purchase even though a negative balance. 
Contacted the company on XX/XX/XXXX, the representative said it was a computer error and it would be fixed. 
When it was not fixed, then I called again and the supervisor XXXX said that the negative balance, which is a credit is held by Sears credit card until 90 days and then returned. I questioned why a negative balance then would be shown if it is not available for use. I got no answer from them. As such now I have to pay an additional sum of money to Sears card for the Purchase made on XX/XX/XXXX. 
Sears seems to be holding persons money which are credited to their accounts and using it for some purpose but it is not available for the customer to use for 90 days until returned.

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 2018-03-21
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continuously and repeatedly call me despite being advised I am not the person they are trying to reach. We share a name, but that is all. I have confirmed my information several times in the past, I have checked my credit reports I am not the person they are seeking. I am receiving multiple calls daily at this point interfering work, I have asked them repeatedly to stop calling. When they call they are badgering, demanding I give them my SSN or other personal info without providing any context to the call, it has only been when I call back that I am able to obtain the name of the company and discern the purpose of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: LA
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 disputed inquiries on my report that I am not aware of. XXXX was the only company to delete the fraudulent inquiries. Equifax and XXXX did not. These are causing me to be declined credit that I need. I wish for them to go back in and verify the information as required by law and have the inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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 Account, XXXX XXXX, Account # 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 explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Chase credit card failed to resolve a valid credit card charge dispute and accepted fraudulent documents to support the vendors credit card charge. Chase was rude and unhelpful, even given that we were facing an extreme medical situation. I was due a credit for a flight on XXXX XXXX ( XXXX to XXXX on XX/XX/XXXX ) that my family and I did not take due to a medical emergency related to COVID 19.  We provided medical documentation in accordance with the carriers cancelation policy, yet the vendor did not respond to our repeated contact attempts. I contacted Chase to to dispute the credit card charge for the flight, and they denied the dispute after the airline falsely claimed that we actually boarded the flight. This is false. We did not take the flight due to a medical emergency certified by our child 's doctor. I have proof that we did not board the flight including our hotel receipts, and six witnesses ( my entire family ). Surely, the airline could determine through video at the airport that we did not take the flight. Nonetheless, they falsely claimed that we boarded the flight. Chase credit cards was complicit in the fraud by accepting the false documents from the vendor and failing to address the invalid charge they applied on my credit card. This type of blatant disregard for credit card customers and failure to address a valid customer fraud complaint is shameful and Chase should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: IL
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 toprivacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX reference number XXXX XXXX XXXX XXXX reference number : XXXX XXXXXXXX XXXX XXXXXXXX reference number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) y ( 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