BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I had my debit card information stolen and two fraudulent transactions were made in my name using that information. One charge was for {$99.00} and the other for {$99.00}. I submitted a fraud claim within the allowed time window of 48 hours to Chase banking. I was told today that claim was denied for three reasons.

1. They used my PIN number and, apparently theres no way they would know my PIN number ( I guess they arent up to date with key tracking technology. ) 2. I checked my account twice before calling in the fraudulent activity, apparently double checking my account before I call isnt allowed.

3. There were previous charges at that location that werent submitted as fraud. Yes, I bought gas there ... ..thats when they stole my information ... ..obviously ....

This reasoning is just absolutely inane and obviously put in place by Visa to keep us in debt and penniless while they dont have to pay claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX a payment was duplicated at XXXX for XXXX dollars. Cash app was notified- all necessary steps were taken, a police report filed, and they continue to deny the dispute without providing any documentation except a copy of the charge. All of this is a clear violation of the XXXX and they continue to violate it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: FL
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:
After I requested [ via regular mail ], credit reports from the 3 companies, I received a unsolicited Email from Experian.. on XX/XX/2021. I disputed something and afterward they said it was fixed. My credit score then was XXXX. They claimed my credit was 'thin ', even though I have a good record of payment. I was told this was because I only have a couple loans out and said I needed another credit card. I did NOT submit any request. I went to my bank for a vehicle loan and was given the rate for XXXX credit score. Two weeks later I get a letter from XXXX XXXX XXXX c/o XXXX denying me credit for a Loan application I never submitted! 
I went back on Experian and it shows my new XXXX XXXX as XXXX points XXXX. 
I have requested Experian to explain this but as of XXXX they have not. I was asked why I checked my report and told them I am going to buy a truck. They asked about how much was I looking for and made a guess at $ XXXX. When I recognized they wanted to somehow arrange a loan, I stopped, as I have my own bank. Now, however, my credit is XXXX points lower because THEY submitted the request withOUT authorization. 
It would appear there is some type of compensation for this activity. What can you do?

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 2019-04-23
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked this company to send me detailed information regarding this debit, so I could know what the breakdown of the charges were. The only thing I got was a print out showing what I owed. It looked liked something that I could have typed up on a computer. I just want to make sure I owe this amount or if this amount belongs to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX  I tried to XXXX XXXX and Citi Bank found it supicious and blocked my checking account. I called immediately and according to them because the number on file is under another persons name they can verified my identity. Ive told them is my number and if they want they could have call me or send me a text with a code or something so, they just hang up on me several times but I cant still access my account no ones give me a solution. I have recorded it few of the calls and still they keep hanging the phone on me. I also ask them how do they determine is not me if I have gave them my SS #, DOB, address etc! They say that they go through public records to verify the number account holder therefore they can see is not under my name. For me is absurd because when I opened the account this was the number I used since they one. I believe this is illegal especially if they dont give me a solution to the matter. Right now still cant access my checking account but I can use my savings. I need help asap. Thanks,

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 2022-10-14
Company: Absolute Resolutions Corp.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a collection call on XXXX XXXX, 2021 from XXXX XXXX XXXX on behalf of Absolute Resolutions Corporation, also known as Absolute Resolutions Investments LLC, in violation of the " cease and desist letter '' that I sent to Absolute Resolutions Investments LLC on XXXX XXXX, 2021. I sent this " cease and desist '' letter by certified mail return receipt and they received my letter on XXXX, 2021. The return receipt was signed by XXXX XXXXXXXX. 

Absolute Resolutions Corporation is ignoring my " cease and desist '' letter by continuing to use different collection agencies to contact me regarding a debt that I do not owe and that is beyond the statute of limitations. 

I want Absolute Resolutions Corporation to comply with my " cease and desist '' letter as is required by the Fair Debt Collections Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a validation notice from Medicredit regarding an outstanding balance to XXXX XXXX XXXX XXXX XXXX. When I received a bill originally from XXXX, I requested an itemized bill by calling the number on the bill. When I asked what it was for, I was told they didnt know. My healthcare providers are with XXXX XXXX so I was surprised to get a bill from XXXX. No itemized statement has been to date provided. 
I responded to Medicredits validation notice with a written dispute and requested an itemized statement of charges to figure out what this is for. 
Today, I received a letter from Medicredit indicating they conducted an investigation and that the balance is correct. No itemization was provided per my request. No explanation as to what the bill is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I send Transunion, XXXX XXXX XXXX and XXXX a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', Transunion in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and XXXX in violation with FCRA they never answer. 

I went back to XXXX XXXX and Transunion on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.

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 2022-10-26
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have a personal loan with Citibank and this is the third complaint about the bank not crediting my payments. They failed credit my payments for the month of XXXX. I paid {$220.00} on XX/XX/2022 and {$220.00} on XX/XX/2022. Payment for this month is due on XX/XX/2022 in the amount of {$430.00}. My payments should satisfies this month however, they are saying Im pass due for {$210.00}. Please assist

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted TransUnion several times about an erroneous bankruptcy being reported on my credit report. They keep responding to me that this account is verified and accurate. How can this be, when in the enclosed documents I have provided, the court plainly states that no information is given to credit bureaus about consumers information when it comes to bankruptcies. I want this entry deleted from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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:
According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2022-10-26
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XXXXAn apartment was rented in my name in Wyoming. I. Q. Data International has filed a report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: CA
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 right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts 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 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate.

15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate.

You have a grave responsibility with fairness. I not only want fairness but also equity.

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: 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Receivable Management Group, Inc. (GA)
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any bills from this agency to be able to pay this debt. I had no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person, I am living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times, I demand the account below to get remove because According to 15 USC 1681, I have the rights to privacy and I did not give equifax permission to furnish these accounts below XXXX XXXX XXXX  open balance {$700.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I called Wells Fargo bank regarding three transactions that were not authorized by me. The fraud team rep took down the information and initiated the dispute. Wells Fargo bank credited my account the same day for the two transactions and the third one took more than a month before I called them. They told me that the transaction was authorized. How can 2 transactions for the same merchant same name be unauthorized and one be authorized. 
XX/XX/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

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 2022-04-28
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
So about a month ago, My Self Lender Credit Builder Account was hacked and my email and password was changed, so I contacted Self to notify them that my account had been hacked. Once I regained access, I noticed that there were multiple debit/credit cards attached to the account from an address in Texas that a random guy I dont know who used to do several payments and purchases for a phone game, XXXX. I notified Self and they ended up just closing my account, not being aware that this would indeed affect my credit score badly, they did not provide me with any further help when I needed it most. On top of that, my phone service was off for a while, so I was unable to call them, and only Email them. I have put over {$350.00} into my Credit builder account that just got randomly closed as well as my credit score being destroyed due to the fraud and hacking that took place. Please I need my credit score back! Help me! I checked online and there were a lot of cases of people being hacked on the same platform in the month of XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Paid my rent {$2300.00} on XXXX/2023 ( sunday ). On XX/XX//2023 my ending balance was {$2400.00}. 2 transactions were made on XXXXXXXX2023  ( XXXX - {$6.00} at gas station & 2 - {$40.00} to XXXX ). Per my online and banking statement my rent payment of {$2300.00} was removed on XXXX/2023 leaving me a balance on XX/XX/2023 of {$260.00}. With that balance I repaid a debt via XXXXXXXX XXXX of {$200.00} on on XX/XX//2023 and made a purchase of {$24.00} on XX/XX/2023. 

So to my surprise this morning ( XX/XX/2023 ) I get a return payment notification from Firth Third bank saying that they returned my rent payment of {$2300.00}. I contacted customer service and a manager told me that " technically '' the payment did clear on XX/XX/2023, but the purchases of {$24.00} ( made on XXXX/XXXX/2023 ) and {$40.00} ( made on XXXX/XXXX/2023 ) came out first making my account negative so they returned the payment. 

How is a family suppose to manage their finances like this. I get email and text notifications and check my online account multiple times daily and there seems to be no way to avoid these issues and then fees. So now I have to pay a return payment fee, a late payment fee, and drive across town to pay my rent with a money order all because of this mess. I am not confident in banks in America now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: NC
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:
I have made multiple attempts to try and have this company remove inaccurate information from the credit bureau. They continue to refuse. I have written information from the department of education stating I would not be reported for late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation