BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I told U.S. Bank to close my credit card account in XX/XX/XXXX on the phone. At the time, the customer service representative made me jump through a lot of hoops and kept warning me that closing my account would have adverse affects on my credit score, my home loan, etc. ( none of which was true ), in a transparent attempt to try to make me stay. It took at least an hour, but I was told it was closed. 

In XX/XX/XXXX, I received a notice that I had late fees and a balance on my U.S. Bank card. When I called, it turned out they never closed it, and they denied ever receiving my request to close it. Some recurring charge appeared, they sent me no notice, and then they tried to charge me late fees on top of it. I have had to spend more time calling multiple departments and explaining this over and over before they finally agreed to reverse the fees. This seems like a scheme to me, and probably happens to many of their customersbut they simply pay the fees to make the problem go away. I still have not received any confirmation that my account is actually closed, and there seems to be no recourse or people who I can talk to at U.S. Bank to address the issue.

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 2022-07-07
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a inquiry on my credit reports from XXXX XXXX showing a credit card. I XXXX XXXX did not apply for a credit card. And I wish that its removed from my credit report due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-11
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:
By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX  XXXX : ACCT # XXXX FRAUD/ REMOVE, XXXX  ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/REMOVE, XXXX  ACCT # XXXX FRAUD/ REMOVE, XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX XXXX ACCT # XXXXFRAUD/ REMOVE, XXXX XXXX ACCOUNT # XXXX FRAUD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX  ACCT # XXXX FRAUD/REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ PL REMOVE, XXXX XXXX XXXX ACCT # XXXX FRUAD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ REMOVE have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was a victim of identity theft. I provided the collections agency for proof since it wasn't me and I have proof that it wasn't. I also contacted the apt complex who said the lease was made which is now under different management

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Block, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was making a purchase for a couch and I had to do it in bits on CashApp. XXXX XXXX $ XXXX got and received 5 transactions from me in the amounts of : {$110.00}, {$150.00}, {$150.00}, {$180.00} and {$380.00}. When we paid the last amount I was blocked on XXXX where I was buying the couch and I tried to get a refund but it was declined. I reported it through the CashApp support as a scam as they have that option and was told that because the payment was completed that they can't cancel it and get it back. My question to them is why do they have that it is a scam then? Clearly, I could have cancelled the payment myself if I knew it was a scam. I have gone through support several times. I also made the same mistake not knowing but on the XXXX and XXXX of XXXX I was working with a XXXX XXXX $ XXXX for a table set. Again it was on XXXX on the marketplace like the other. XXXX received 3 transactions in the amounts of : {$190.00}, {$330.00} and {$210.00}. Once again the refund was declined and I was blocked on XXXX. I was scammed and have learned a HUGE lesson. I will NOT be duped though, however, by a company who has a spot to complain that something is a scam and then not be worried about getting money back. This company is not any better than the scammers out there who take money from innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC 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 2022-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXXT XXXX {$840.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: MS
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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment NONE of these inquiries resulted in any of the above outcomes. 

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 explanation
Consumer complaint received 2022-02-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
For about a year now I have been going back and forth with the bank how about a fraudulent charge my account. I did attempt to purchased hearing aids. The hearing aids did not work properly they not only did not work properly they fell out of money ear they required to sell phones to make it work they kept speaking to me when I wouldn't be speaking to anyone I went back to the doctor and he attempted the adjustments that just did not work. There was a warranty on them that the doctor and manufacturer both refuse to honor. Dealing with the bank I have put in multiple calls telling the bank that they've participated in a fraudulent activity find not investigating why I am still being charged for the hearing aids when the hearing aids were returned to the provider. The rudeness of the bank why you not even sending me an email telling me their findings. I have been to the XXXX XXXX XXXX to report the hearing aid company, the hearing aid company said basically the doctor would have to refund the money. The doctor refuses to and keeps invoicing me for them. The bank has just been fighting with me without explaining to me any of the information that they have collected to keep the charge on my account. I believe the bank is in a criminal act by protecting the Doctor Who Sold me defective merchandise that was returned to him. I have made my payments to the bank and have asked them for help to resolve this issue to this day they have not. I need you to step in and get my money back the bank in the doctor are on the same page but they're not giving me any explanations other than emails from the bank that I can not open. When I've notified the bank of this I've been told they would send me an updated email and I never receive it. Now on the last encounter with the bank I have complained again it's interesting to me how for the first time I just couldn't pay the payment on time that the bank was able to call me and reach out to me and chastise me for not being on time but not once for a year has the bank reached out to me to investigate my complaint. The bank is committing an act of fraud an act of deception and should be investigated on how many people they forced to buy defective merchandise. Any help you can be I greatly appreciate it I am a XXXX XXXX victim that this doctor took advantage because I can't recall or remember or find any paperwork that I may have signed the bank has frustrated me for their lack of cooperation in this investigation. 

Thank you, XXXX The following is the bank information Synchrony Bank XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, 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 2021-10-14
Company: Webcollex, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/2021 from this company called CKS Financial trying to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$630.00}. Per the letter, they advised that I had 30 days to dispute the validity of the debt. I mailed a response to CKS Financial on XX/XX/2021 requesting that they provide me with proper validation of this unrecognized debt. 

Based upon the information contained in their letter, and my lackof knowledge of an established business relationship, and or obligation withthis company, the alleged debt was disputed in its entirety, including all amounts alleged to be due and owing. 

To my surprise, when I refreshed my credit report today, XX/XX/2021, I see that CKS XXXX XXXX is now reporting on my credit reports across the 3 bureaus! On top of that, they listed a date of last activity of XX/XX/2021. How could their possibly be any activity on an account for which I have no knowledge of and that I have yet to receive any documents to validate this debt? 

How can this company send me a bill to my home and ask that I can request verification of the debt and when I do, not only did I not receive a response but the account was added to my credit report causing further damage to my credit and putting tremendous stress on me because it is hindering my ability to apply for new lines of credit. 

I am including all of my communication with CKS Financial, including the letter they sent to notify me of this debt and my response to them informing them that I dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 at around XXXX XXXX  my boyfriend walked into the Chase bank on XXXX XXXX XXXX XXXX NY XXXX to make a deposit of {$1900.00}. After being prompted to put the cash in the ATM machine the ATM machine accepted the money the screen had a circle like it was loading then it just went blank. After a while it restarted and started installing a update, After the update it released my debit card from the slot and it said this ATM can no longer be used and then it restarted again back to the main screen like it was good again. It never printed a receipt nor did it acknowledge the deposit. He immediately calls the number on the ATM Machine and talks to support which take all the information and let him know that within 12 hrs they would credit the account with the amount of the deposit until they do an investigation. While this is happening he texts me whats going on so I walk to the bank. I am the account holder XXXX XXXX. When I get there I also call from my phone to support to explain to them that I can not wait 12 hrs for my deposit to appear in my account. The reason we were depositing that money was to make a payment for our car that had gotten repossessed and they had given us till XXXX XXXX   that night to make the full payment or the car was to be sold at an auction. The lady from support assured me that within 12 hrs I would get credited the money or even sooner. It is now XX/XX/2020 XXXX XXXX  and Im yet to get any credit on my account. After several calls to Chase support now theyre saying that I have to wait 10 business days for any credit to be put in my account and that there is nothing they can do! I dont know what to do this is beyond unfair and theyre being really insensitive about my situation. On XX/XX/2020 my house was burned down and me and my family were left with nothing! And now I have to deal with Chase taking my money! Im sure they have some kind of protocol they go through with these kinds of situations but theyre treating me like Im guilty of some kind of crime! There was {$1900.00} deposited into that ATM the last of our hard earned money and they are holding my money hostage!

Company response to consumer: Closed with monetary relief