BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
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: 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. 
XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX : {$18000.00}, XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX : {$2500.00}, XXXX XXXXXXXX : # XXXX XXXX : {$200.00}, 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 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 2023-03-08
Company: EQUIFAX, INC.
State: CT
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. 

XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX  Account Number # XXXXXXXX XXXX Account Number # XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX, XXXX Account Number # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number 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 explanation
Consumer complaint received 2018-12-05
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: Other problem

Complaint:
On Wednesday, XX/XX/XXXX I called Chas, my XXXX XXXX Visa Credit Card provider, and asked how to make a claim under their purchase protection benefit. On XX/XX/XXXX, I purchased three high school textbooks for my XXXX year old daughter because she transferred to a new school. All three books were damaged when a water bottle in her backpack broke. The Chase representative assured me the textbooks would be covered and instructed me to file a claim at XXXX. I immediately went to the website and filed the claim, including uploading all of the requested paperwork which included a copy of my credit card statement, copies of the three receipts and photographic evidence of the damage. The website even had " books '' as one of the catagories I could list as the type of item they cover and that I could make a claim on. After following up repeatedly on my claim since the insurance provider failed to " review my information and contact me within 5 business days to outline the next steps of the process, '' as outlined in an email I received acknowledging my claim submission, I called to complain. The representative said claims are not looked at by an examiner " for eight to ten days '' and then it would take " two days to actually review the claim. '' I responded that this information was contradictory to the information provided in writing in the email XXXX sent to me, and she said that she is not an adjuster and that is how it works. I then asked to speak with an adjuster and she agreed to connect me to one. I was then put on hold and when she returned, she said my file had " just been updated while I was on hold and that the claim was being denied because textbooks have finite lives and are undergo revision after courses end. '' I explained that my daughter 's course had not ended and that I was told specifically by Chase that my textbook purchases would be covered and was again told they were refusing my claim. '' By the time the call ended I received an email stating that my claim status had been updated and was being denied. I find this completely outrageous and borderline fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my debit card from my new CitiBank account around the first of XXXX. On XX/XX/2023, I made my first deposit, {$1000.00} in cash at my local CitiBank branch. To my surprise, my debit card was declined when I tried to use it shortly afterward at a grocery store. I immediately returned to the bank to figure out what went wrong and was informed that my account was frozen due to a fraud alert because my account was just newly opened. 

Despite providing my passport, drivers license, and the very debit card I had just used for the deposit, the banks response was that I needed to wait for a letter from their Fraud Department to clear things up. This means waiting around for 10 business days without access to my funds, which is quite inconvenient, to say the least. The bank is holding my money hostage.

Im perplexed because the deposit was in cash, and I would think the availability of those funds would be immediate. It seems unusual to lock down an account like this without a direct and timely way to resolve the issue. 

In other words, I deposited cash to the bank, and they wouldn't give it back. Isn't that against FDIC or some kind of banking statute?

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 2022-11-02
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please have a senior XXXX from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
The dispute items Bullcity Financial solutions The accounts have been reported to my credit profile due to an act of fraud ; I do not own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA has been warning for months about shutting down their Simple banking service and moving everyone to BBVA. On Saturday, this transition happened, and their system immediately broke. There is no way to fix it online, and calls to customer service involve being on hold for hours only to be hung up on. I can not access my money or my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Credit Collections U.S.A., L.L.C.
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:
I currently have a medical debt under {$500.00} with Credit Collection USA. I have disputed this debt with the XXXX, XXXX, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.

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 2021-05-12
Company: EQUIFAX, INC.
State: SC
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:
Good Day, This is my second time to report all three credit bureau XXXXs .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was fraudulently enrolled and subsequently charges for " card security '' on my Amazon / Synchrony bank card the past 3 months. This is a service I would never enroll in. 

I've since cancelled, however, the company has a rule around " you can cancel within 90 days and charges will be refunded '' however!!!!!! For their convenience, they've backdated the enrollment date to the same date that I opened the amazon card account, so no refund will be issued. 

Interestingly enough - I went several YEARS without any of these bogus charges, and then out of the blue, was hit with these charges in XXXX 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Resurgent Capital Services L.P.
State: IL
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 received a notice in the mail about an alleged credit card from LVNV Funding LLC on XX/XX/XXXX. I immediately emailed them the same day and requested : their legally authority to collect an alleged debt without my knowledge or consent, the original contract between me and the original creditor showing where I agreed to the assignment of the debt, the original contract between me and LVNV Funding LLC with my wet signature, provide me with a verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service, Provide me with an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA, and the original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

They ignored these direct request several times. All they sent me was account statements from a credit card bill which isn't proof I owe a debt. I responded to them stating they didn't provide me with the requested documents and since they dont have them to cease and desist all collection activities. They ignored that request and has added this alleged debt to all 3 credit reports XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Their investigation did not fix an error on your report

Complaint:
I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.

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 2023-11-06
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Caine and Weiner, a collection agency refuses to remove {$240.00} from my credit report supposedly incurred in XXXX of XXXX from XXXX auto insurance. I never purchased any insurance from XXXX because I was perfectly insured by XXXX during the time they are charging me. XXXX has never communicated with me about the charge and neither did the XXXX and XXXX. When I noticed the charge on my credit report, I contacted XXXX and the charge was removed, now the charge is back on my credit report. This is totally insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
JPMB J.P Morgan hard inquiry was opened on my account XX/XX/2023 without my consent. I want this hard inquiry removed because I did not request or consent to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$61.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Dave Operating, LLC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello Dave Bank has Told me repeatedly that on XX/XX/2023 I would receive a credit to my account because my debit card was stolen and someone. Used funds from the account 5 other Dave Employees I talked to over the phone has stated the same thing then I called today then they said I am not getting a credit and to check back in up to 90 days I need my funds asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Utilizing a offer by Bank of America to consolidate bills which is using checks that are offered with a 0 % interest or a 1.99 % for a term of time to payoff those amounts acquired by the due date. What is taking place is Bank of America is applying payments to which ever debt they choose, not the debt that would be in the order it was acquired. I now have a debt that is due in XX/XX/2020, that is a substantial amount that is not being credited by payments being sent in, but debts of later dates that are being credited first. As of XXXX the interest on this amount goes from 1.99 % to 22.99 %, again later debts have been credited first. In XX/XX/XXXX, you can see that a payment total of {$2500.00} was made, but only {$1400.00} was applied to the account, not in any order of debt acquired. In XX/XX/2020, an amount of {$1900.00} was credited to my debts, but only {$1300.00} including the credit from the month before was applied.And iit goes on.

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 2020-08-04
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXXXXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX sent me a letter that i've attached to this complaint. The letter states they did an investigation and determined I'm responsible for the credit card account and they have reported that information to 4 credit bureaus. Their investigation is a consumer fraud investigation to determine if my card was stolen. I have indicated multiple times to XXXX that the debt is fraudulent, but the fraud took place on XXXXXXXX XXXX end. Not the consumer end. They investigated the wrong thing and came to the wrong conclusion and then reported false information to 4 credit bureaus after I have been yelling and screaming at them for nearly a year to stop. I have reported their fraud to the CFPB under many complaints. Such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many many more. Most recently they have indicated falsely that " Company responded the complaint does not belong to them ''. XXXX is bankrupt and must stop making loans immediately and all assets must be sold off to repay creditors like me. Most likely the US government is going to have to sell off land to repay creditors as was done with the failure of the Second Bank of the United States. XXXX will be entirely liquidated. Banking as an industry is going to cease to exist. New bankers like myself will replace XXXX entirely in the marketplace. Government will be forced to follow the law, rather than print counterfeit money and classify their crimes. This is the end of an era. In the meantime stop harassing me. The XXXX related bankruptcies are coming for you XXXX, and the guilty are going to prison this time.

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