BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company 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 2023-11-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find out new collection account from GENESIS CREDIT MANAGEMEN. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with XXXX. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently entered into a transaction to buy a home inspection and was charged a cash advance fee and interest for the transaction. Chase is changing the definition of " cash like transactions '' such that as a consumer, it is difficult to discern what will be a cash advance at the time of the transaction, and if we will be charged a fee and interest at the time of sale. These " cash like purchase '' will include buying cryptocurrency or peer to peer transfers using commonly used applications like XXXX ; where at the time of purchase, the consumer will not know they are entering into a cash advance. I've reached out to Chase to try to block all future cash advances in the future so that I will not get unexpected charges, and they do not have the ability to do so. I am forced into a situation where whenever I use my credit card to purchase something, I am unsure if it will be considered a " cash like transaction '' and be charges an inordinate amount of fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BANCO POPULAR DE PUERTO RICO
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm trying to refinance my primary home mortgage. I'm a co-borrower on a loan that my brother has on a house and the loan is being reported in my credit report. In order to finish my primary home refinancing, the bank that I'm trying to refinance my primary home loan ( XXXX XXXX XXXX XXXX ) requires that the Bank Popular de Puerto Rico ( I'm a co-borrower ) send them the last bank statements. Banco Popular de Puerto Rico has refused to send the bank statements ( estado de cuentas ). 

XXXX XXXX XXXX XXXX  personnel, the XXXX XXXX verification agency and myself have been asking to the Banco Popular for loan statements since XX/XX/XXXX and up to yesterday XX/XX/XXXX, but the bank refuses. Since I'm a co-borrower and that the loan appear in my credit report agencies, I believe that by US federal law I'm supposed to obtain the loan bank statements. My primary home refinancing bank ( XXXX XXXX XXXX  ) has approved the loan with the condition that Banco Popular send the loan bank statements that is appearing in my credit report. I have written XXXX disputes with the credit report bureaus, but the banco Popular refuses to provide the bank statements. I believe that they are violating my right to refinance my primary home and they should be held accountable for it. 

I just would like the Banco Popular to send the bank statements to myself or to XXXX  XXXX XXXX XXXX  so they can proceed with the approval of my primary home refinance loan. I have tried several times and I have called the banco Popular, but I get nowhere with the case. Please help me to resolve this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: AK
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got gifted a gift card from American Express and I cant use it anywhere. I tried to call/email American Express themselves and they say it should work and that I need to call the business that Im trying to purchase with to get them to help. Dont waste your time and have your money useless, DO NOT BUY AmEx gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have XXXX credit cards with Citi and our banking relationship spans over 10 years. On XX/XX/XXXX, Citi closed all XXXX existing card accounts without warning. I did not receive any phone call, email or regular mail notifying me that this was happening. I discovered these closures by chance on XX/XX/XXXX, when I logged into the Citi mobile app. 

As a result of these closures, I am unable to re-open my accounts and I also have over XXXX Citi XXXX points that have been unfairly taken away from me. Citi phone reps have also told me that they are unable to re-open my accounts and therefore I will no longer have access my points. 

Upon further reading of the closure letter in-app, I am told that my accounts were closed as " Citi does not allow accounts to remain open with a mailing address outside the United States. '' This should have been an easy fix -- I still have a mailing address in the United States and can easily change this to keep my accounts open.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. XXXX  ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2023-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Its been almost three months since you restricted my access to my account. I have been repeatedly requesting for information and was not provided with any. You keep telling me to go to my originating bank for an ACH reversal or hold harmless letter and I have told everyone that my originating bank cant do it. THIS IS MY MONEY. IT IS ILLEGAL TO NOT PROVIDE ANY INFORMATION ON HOW TO UNRESTRICT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: FinCo Services Inc DBA Current
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I received a phone call from Current team, same number thats on back of my debit card. The guy XXXX had all my information and informed me there was fraud on my account. He went on to say, my account had been compromised and they would have to send me out a new card. He placed me on hold and not even a min passed before the line disconnected. I went to log into my online banking app and all my money was gone! Transferred into XXXX account in which the names I have never seen before or never even sent money before. I reached out to current support right away but after a week I got no string answers to as in where my money went. XXXX agent by the name of XXXX told me no one ever even escalated the claim and apologized and assured me she would do it same day. After contact with XXXX XXXX received an email a few minutes later saying they didnt find any fraud in transfers and denied me my refund of money. I was confused because to get back to me they told me it takes XXXX business days through email but the same agent that escalated the claim was the same agent that sent email denying my funds. If there are different levels of office I should have been receiving an email from the fraud department not the same current agent XXXX. Something is going on inside the Current team. You dont get proof of investigation, as I have tried to request all documents in decision process. I have been unsuccessful with getting through to them. And the bigger picture is that my account is still out {$3300.00}. That was my stimulus and part of my income tax refund. I dont know what to do. I have contacted the banks and they told me they have nothing to do with the Current banking policies but the bank policies promises protection on deposits up to {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: PA
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'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 explanation
Consumer complaint received 2021-04-28
Company: CITIBANK, N.A.
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:
I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX reaches out for validation they respond that all information is correct and continue to update the account on my 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 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Account Ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX It has been over 90 days and Capital On has not returned my money that was fraudulently taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Opened an account with Square to process payments. They closed my account and I have numerous times attempted to resolve a payout of my account. 

They will not even answer me any more and it's been way more than 90 days since I was shut down, the next step was supposed to be a payout

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TaxServ, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TaxServ has reached out numerous times regarding a proposed debt owed for two ( 2 ) motor vehicles to the city of XXXX CT. On each occasion I email them back informing that the bills are not valid, I did not live in XXXX at that time and one of the vehicles was purchased and registered in XXXX ( tax bill attached ), the other disposed of years prior and plate turned into the dmv . Each time there has been no response, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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. 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 Bank XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX 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 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 2023-11-28
Company: Credit Service International Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT SERVICE INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Acct # XXXX Please provide a breakdown of fees including any collection costs and medical charges this company showed you to prove it was me. 
Provide a copy of my signature with the provider of service to release my medical information Please send this information to my address listed above and accept this letter, as my formal reinvestigation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, Transunion hasn't removed the fraudulent charges from my credit report. I don't have time to contact Transunion every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. Transunion is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud themselves. Again, I'm not saying this to slander Transunion or the banks that opened fraudulent accounts under my name, XXXX XXXX  XXXX, and XXXX XXXX I'm merely stating that there are fraudulent accounts that must be removed from my 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am contacting an attorney after this email. Resurgent Capital Services XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX is trying to collect a XXXX and XXXX old debt that is not mine and is DEFINITELY NOT THEIRS!!!! THIS IS RIDICULOUS AND SHOULD BE ILLEGAL! THIS BETTER NOT SHOW UP ON MY OR ANYONES CREDIT BEING NEARLY 16 YRS OLD GET A LIFE AND A REAL JOB WORKING FOR YOUR MONEY!!!!!!! THEY DO NOT EVEN HAVE A CORRECT NAME FOR THE ADDRESS! AFTER 15 YRS I AM CERTAIN THEY HAVE NO INFO ON ANYONE, PATHETIC!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and XXXX XXXX XXXX. Failure to investigate these items within XXXX  days gives a reason to immediately remove the items I pointed out in my letters that I sent over XXXX  days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX. XXXX ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under XXXX XXXX XXXX and XXXX XXXX XXXX. Invoice will be attached!!!

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 2022-03-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Please see attached documents. 

Transunion received my letter on XX/XX/22. I followed up with a phone call to Transunion on XX/XX/22.

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