BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My cash app account was locked after my friend tried to send money it's been this way for over a month and no response from cashapp my children are doing without because of this XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Q DATA INTERNATIONAL IN, XXXX XXXX, 2013, {$1000.00}, I 've requested documentation of the debt, received no contact info and its damaging my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN is breaking the law. Ive sent EXPERIAN letters and complaints in great detail explaining this. At this point you, at EXPERIAN, are willingly and knowingly violating my consumer rights. The information you continue to report is a discriminatory misrepresentation of my identity. You at EXPERIAN DO NOT have my permission to make reports containing any information from XXXX at XXXX XXXX and XXXX XXXX by XXXX XXXX and you must completely remove those two accounts upon immediate receipt of this. This is not a dispute notice for you to send to XXXX at XXXX XXXX and or XXXXXXXX XXXX by XXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EXPERIAN.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 TRANSUNION has violated my rights with the following account information published on my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony abruptly closed my Amazon XXXX store card in XX/XX/2020 after years of use. I received a letter dated XX/XX/2020 indicating account closure was due to " activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. In all the years I have had the account, there was not a single missed, delayed, or partial payment. The account was paid in full every single time. 

I suspect the real reason Synchrony wanted to close my account was that I have accumulated {$1400.00} in rewards, which Synchrony declined to payout since THEY closed my account. This is completely unethical right in the middle of COVID they start to close people 's accounts because they are unable to pay out the rewards promised.

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 2022-08-18
Company: EQUIFAX, 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 sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
I have contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX courts XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my cosmetology license to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from hobby lobby as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIBANK, N.A.
State: MI
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 applied for a credit card with THE HOME DEPOT/CITIBANK XXXX XXXX XXXX and have a balance of {$1000.00}

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 2023-03-24
Company: TD BANK US HOLDING COMPANY
State: NY
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 have been trying to get this Late off my credit report for months. I have sent in 3 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
I woke up to find XXXX transactions in my bank account one going to my other bank account and the other to someone named XXXX. The payment message said XXXX. So I tried to figure out what was going on only to find out that my brother took my phone while I was sleeping to send that money. I called and told chase what happened to my brother but took the blame for it since I figured there was no difference between me taking the blame or not in this case. Only to be told by an attorney that I need to call back and tell them that I didn't authorize the transaction. So I called back and they told me I need to go inside a branch write a note and fill out a paper to cancel the claim and refile it again. So I went inside the branch and did that, only to call the next day after they rejected my claim since " it was authorized ''. And they told me they didn't get anything to change the claim. But they did, since they rejected the transaction going to my other bank account ( rightfully so ) ( I'll figure that out with XXXX XXXX XXXX ). And both claims were on the same paper. They even told me they see it on the other claim and after I told the representative to read it and he started reading it. He went quiet and didn't say anything. I attached the document that was sent to chase below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against Aargon Collection Agency, a third-party debt collector, regarding their handling of a debt validation request and their reporting of this debt on my credit report. 

On XX/XX/2023, I initiated a dispute with Aargon Collection Agency by requesting specific documentation to validate the debt they are attempting to collect. In my dispute letter, I specifically requested the following documents : 1. Copy of the Contract : I requested this document to understand the terms of the alleged debt.

2. Copy of the Purchase Agreement : I requested this document to verify Aargon Collection Agency 's ownership of the debt.

3. Last statement with a zero balance : I requested this statement to confirm the balance at the time the alleged debt was incurred. And, all statements leading up to the alleged debt amount : I requested these statements to understand how the charges were calculated, leading to the amount claimed by Aargon Collection Agency, which is {$720.00}. 

Despite my request for validation, I received a response from Aargon Collection Agency dated XX/XX/2023, where the only documentation provided was a statement of fees. This statement did not sufficiently validate the debt, and my concerns remained unaddressed. 

In an effort to obtain accurate and complete validation of the debt, I sent another dispute to Aargon Collection Agency on XX/XX/2023. However, the response I received, dated XX/XX/2023, was identical to their previous response, consisting solely of a statement of fees. This repeated failure to provide the necessary documentation for debt validation raises significant concerns about the accuracy and validity of the debt they are attempting to collect. 

Furthermore, Aargon Collection Agency has reported this debt on my credit report without adequately validating it, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As a result, this inaccurate and unverified debt is adversely affecting my creditworthiness.

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 2023-03-21
Company: COLUMBIA BANKING SYSTEM, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my home in the XXXX XXXX ' fire on the XXXX XXXX in 2020. 
I contacted Umpqua Bank to start a construction loan in XXXX of 2020 ( XXXX XXXX XXXX XXXX ). 
I'm currently in dispute with XXXX, the construction company we used to rebuild the home. They've charged me an additional {$35000.00} price increase for missing a 120 day price lock in which I had no control over. 
I have requested documentation from both the lender and builder to justify why I should absorb this cost when I was not at fault for the delays. I have not received the correspondence I have requested. 
I was issued plans and paid a deposit to start work on XX/XX/XXXX of 2020. I feel mislead in the documentation I was asked to consent when the conditions of the contract where met on my end.

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 2023-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 and 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company came from nowhere impersonating in the subject of the email : XXXX XXXX XXXX XXXX. Which is a different company. 
Trying to collect something I don't owe in behalf of XXXX without providing any evidence of what's owed, and no evidence, that they can ask for money. 

I believe using false information in communication should be punishable by law. 

Additionally, no information how to ask for evidence of accuracy of their information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It appears to have started back on XX/XX/23 with an unauthorized ATM withdrawal of {$500.00}. From that date until approximately XX/XX/23 there have been multiple unauthorized ATM withdrawals from both my checking and savings accounts until both were drained and or overdrawn. 

During this period I did not receive any bank statements that would have made me aware of this situation either. In early XXXX, I discovered that my ATM card was lost and reported it. I received a new one but somehow the unauthorized withdrawals began again without my knowledge. 

It appears as though I am a victim of a cloned card or a skimmer of some sort. As a result, I have lost approximately $ XXXX {$35000.00} between both accounts and nothing was flagged by the bank. A scan through my account history would show that I have never had many ATM withdrawals throughout my long history with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today XX/XX/2021 I noticed an unauthorized collection on my consumer report first reported XX/XX/2021 from a XXXX  bill Ive never had nor gave consent for anyone to open I would be delighted if I could be helped with this matter resulting in account deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions 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:
There are some accounts on my report I do not recognize

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 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This my the second complaint against Capital One Bank.Case number is XXXX was closed. 
I received letter with all information about sender and recipient details.Someone opened a fake email address and a fake phone number in my name that I never had.In response to my request call XXXX XXXX customer service at XXXX to make sure that I never had an account with them.I had to call Capital One Bank several times to explain the situation why was the money withdrawn and no one notified me. When in the month of XXXX I demanded that money should never be send through the XXXX XXXX money continued to be withdrawn from my account.I ask you to seriously deal with the current situation. Currently many thousands of Americans are suffering from loss of money because personal information is stolen. Instead of the bank helping their customers to return the money, they take the side of swindlers and scammers. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 is my 3rd 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, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00}, XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$560.00}, XXXX XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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