BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: Comerica
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had 4 fraudulent charges were made against my Direct Express debit card on XX/XX/2020, which i get my government benefits sent to each month. All four transaction were international orders placed against my card. I believe there has been a security breach. 

1. ) XX/XX/2020 XXXX XXXX, XXXX {$3.00} International purchase fee 2. ) XX/XX/2020 XXXX XXXX, XXXX {$98.00} Cash purchase 3. ) XX/XX/2020 XXXX, XXXX {$.00} International purchase fee 4. ) XX/XX/2020 XXXX, XXXX  {$46.00} Cash purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX there was a hard inquiry in my XXXX  credit report for a credit card from chase business inc that I did not apply for. I called the credit card and they will remove from my credit report. They had all my information which is scary. My personal identity has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Okay in XX/XX/2018, I had three jobs. I got evicted because my partner forgot to pay rent, then the power got shut off. 18 hours of work in one day, move a box off of the couch and a knife fell out, and I sat on it. I had to take an ambulance ride. After that I XXXX XXXX And lost all of my jobs, and my home. Long story short, the ambulance didnt bill my insurance and I owed them XXXX that I wasnt ever notified about. I called CSO.financial to pay off an unrelated debt and come to find out now I owe XXXX in less than a year? They never contacted / reached out to me. I requested the breakdown of info so I could file a claim with my insurance, the woman said she had already sent one and then sent me a notice stating your request for future documentation will be denied, we have already provided all required documentation. I called the XXXX XXXX billing and got ahold of my records there. Then my insurance cleared my outstanding balance. This debt collection agency now wants over XXXX. I cant afford this absolutely outrageous debt. The agency was an absolute joke, assigning me to a case manager that was never in the office and when she was treated me like a piece of garbage. Honestly everything about my case manager was shady, I dont know who else to turn to for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was billed {$400.00} by PayPal Credit Services for services to be provided by an airline. The flights were canceled. Passengers were put on another company flight. The connection was missed due to a late starting flight. They did arrive late to a flight in a different state but the luggage was lost and recovered some time after. A claim was made for compensation to the airline without sucess. 

The charges were for upgrade seats and luggage which were not provided. 

A timely dispute was filed with the credit card company by mail and was acknowledged on XX/XX/23. Since then the credit card company deleted the charges from the original card but opened another account and transferred the charges to a new account number. I asked to close the credit account but they will not close the credit account. They refuse to send statements by mail stating they had mail was undeliverable to me. 

The credit card company is charging late fees, and interest, and making calls attempting to collect the debt. They have debited minimum payments from my bank account without permission. They claim that they need 60 days to process the complaint. This time has elapsed as it is almost 90 days since the complaint was sent.

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 2020-05-04
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX I tried to log into my American Express Bluebird prepaid account and I was not able to log in. Then I had called and the automated system told me to check my email as my account was suspended. I checked my email and it said my account was suspended due to fraud. I had this account 6 years and I never committed fraud. They rejected my fianc 's stimulus check and his tax refund. I called and they said to write a letter. To which no response was received. All I want is for them to reject my direct deposit send it back to my employer. Close my account and send me a check to the address on file for the remaining amount in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2020-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
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 got a loan for a car and the car was totaled out XX/XX/2017 and it's on my credit report as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AZ
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited the emergency room at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX. My primary insurance was billed. They paid and left a {$170.00} patient responsibility. My secondary insurance was billed for this amount. They initially paid but later revoked payment due to the hospital not submitting the EOB from primary insurance. I spent the next 1.5 years trying to get this issue resolved. Despite countless attempts by both myself and XXXX to resolve the problem, the hospital never submitted the needed document. They instead sent me to collections. I submitted the needed document to XXXX several times, however there were issues with processing it as it should have come from the hospital rather than me. XXXX finally processed and approved the claim on XX/XX/XXXX. They stated payment of {$170.00} would be sent to the provider within 7-10 business days. However, the hospital continues to claim they have not received payment. They refuse to investigate the problem with receiving the payment from XXXX. They continue to pursue payment through a collections agency even though I have provided a copy of the EOB stating patient responsibility is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: KY
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

XXXX XXXX XXXX XXXX also violated the law because according to 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 2023-04-24
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The following complaint is in response to further issues raised in the prior complaint ( XXXX ). 

My original PayPal account, XXXX, was cancelled despite the fact that I had paid PayPal Mastercard XXXX XXXX XXXX  ) the amount they said was issued to me as additional credit. PayPal, in turn, required that I pay them, but their documentation was so tainted that I only followed what XXXX XXXX offered me because I could see what they had done on paper. However, there was XXXX entry where I queried if it was them who gave me credit, and XXXX XXXX said yes. This problem started with XXXX when I approached PayPal, thus I ended up resolving it with them, XXXX Bank. Any other issues should be resolved between PayPal and XXXX XXXX. 

All I ask is that PayPal restore my original account with XXXX or give me access to PayPal Mastercard in my new account under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2800.00}.

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 2023-04-24
Company: OneMain Finance Corporation
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:
have reached out too these companies back in XX/XX/, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear CFPB officer I am writing to express my deep concerns regarding a significant issue with HSBC US Bank and to request your assistance and intervention. In XX/XX/2023, I opened a checking and savings account with HSBC US, which I have been using for normal financial activities. However, recently, I received a letter dated XX/XX/2023, from HSBC US Bank, informing me that my account will be closed after XX/XX/XXXX, with no explanation or reasons provided. 

I am extremely puzzled and dissatisfied with this abrupt decision. I have been consistently following HSBC US Bank 's policies and regulations in the use of my account, and no violations have occurred. My account is an integral part of my regular financial life, primarily used for investments through platforms like Interactive Brokers and XXXX XXXX. I have always complied with relevant regulations and maintained sufficient funds in the account. Therefore, I find it highly perplexing and inconvenient that HSBC US Bank has decided to close my account suddenly.

I request the CFPB to investigate this matter to ensure that my rights are not infringed upon. I hope HSBC US Bank will reconsider their decision to close my account, as it will cause significant disruption to my normal financial and investment activities. If there are any concerns about my account activity or usage, I am willing to cooperate by providing any necessary information and explanations. 

I kindly ask the CFPB to promptly intervene and investigate this matter to ensure the protection of my legitimate rights. I greatly appreciate your assistance and attention and look forward to a swift resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Accounts 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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