BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
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:
Not my inquires

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 2023-07-23
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCA National credit adjusters This derogatory account was a result of identity theft. The original company was cashcentral {$310.00}. 
This has been resolved with both companies yet NCA refuses to remove completely after agreeing to do so. Many many many times Ive called and been promised they would remove completely. Still on credit report. I am purchasing a house next week with this derogatory mark which is illegally still there. 
Leave my credit alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: TX
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:
I am requesting the following documents from XXXX XXXX XXXX XXXXValidation of debt the actual accounting of the contract. 2.A copy of a contract binding both parties. 3. Proof of full disclosure explaining that i was actually creating credit with my wet ink signature. 4. Equal consideration 5. The wet ink signature of both parties. In order for a loan to be valid it is required by common and consumer law to have both wet ink signatures of both parties.6. A INVOICE. Do not send a statement as a invoice a statement is NOT an invoice I am requesting proof of an invoice. Also a loan application does not constitute a contract as it is only signed by one of the parties which is me the consumer. Please send contract that has wet signatures from both parties. I am requesting these documents within the next 15-30 days. Refusing to provide these documents is a direct violations of the duties of the furnisher and more fcra guidelines. Done in good faith all rights reserved

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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/2023 XXXX XXXX  XXXX charged my card for {$500.00} which is an unauthorized transaction. I have contacted my bank on XX/XX/2023 because that {$500.00} was for the remaining amount of my Rent & Utilities. Were now in XXXX and I need the money back. I have faxed them proof supporting my dispute with Bank Of America for the {$500.00}.

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 monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: NJ
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:
RE : XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fill in accounts you want to be disputed, be sure to add the account numbers with each account. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. 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 send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX Enclosed : copy of ID

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 2019-04-02
Company: CAVALRY INVESTMENTS, LLC
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:
Received a cancellation of debt form from Cavalry SPV I LLC. The address listed is an Arizona address ; I have never established residency in that state. Also the name has been transposed on the account with the last name first, which was my maiden name that I have not used in over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At the end of XX/XX/2023, I received over 32 letters of " claims '' that were filed, in which I did not request or authorize. During this time, I continued to receive these letters of reversal payments from credit cards, companies I am no longer affiliated with, and other companies I have never heard of, and when I called Chase Bank to address this situation by phone, I was put on hold and waited over 2 hours and no one returned. I then received letters stating that " We have completed our research, and find that these claims were processed correctly, therefore we are going to be withdrawing funds from your account. '' After receiving these letters from beginning to mid XXXX, I went to the company, again Chase Bank and spoke to someone about this issue, and they just closed my account and stated, " We no longer wish to do business with you, you are to repay these funds, and this amount ( of over {$10000.00} ) will be sent to collections. '' I then took it upon myself to call the companies that " authorized '' these reversal payments and after speaking to them, they were left with a lot of confusion and told me, " We do not authorize or perform reversal payments, I am not sure who told you that. '' I have all documentation and names of all my lenders and people I spoke to at Chase Bank, and can provide evidence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
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 2022-03-11
Company: Patient Account Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im disputing a claim from XX/XX/2020 when I was in the emergency room. I two insurance. I have primary insurance XXXX XXXX and my secondary is Medically Needy through Medicaid. My eligible following periods was XX/XX/2020 TO XX/XX/2020. Please see attachment below showing eligibility during that year. The XXXX XXXX XXXX XXXX XXXX billing department told me that I did I had a zero balance and they had both of my insurance listed. Your company has put me in the collection with inaccurate information. I attached proof of my secondary. I need this error corrected immediately. Im in the process of purchasing home. I find out about the collection wile Im in the process of purchasing a home from where my loan officer pulled my credit. Thank you for your assistant in this matter. Please feel free to call me to help me with this inaccurate information that was reported to the collection agency and credit bureau.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: SC
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$18000.00} 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 2020-11-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
PayPAL paid out a transaction that I disputed. I asked for proof and why they are not honoring my dispute. In which case, I got the run-around. It says on their website that I have the right to ask for my correspondence and how they came to their conclusion of not honoring my dispute and they have not provided me with any paperwork but generic copy-paste answers. 
I even have a contract and emails going back and forth with the business that did not provide me with the service but PAYPAL decided they were going to take my money and pay this business. 
Since when is paypal the judge of my money? Even when it's written in black and white with a contract. 
I paid for a service that was not provided to me. The contract date did not even start when I asked for my money back and cancelled and " fired '' the business. Yet, PAY PAL thinks they are the decider of my money without giving me any proof or explanation. 
PAYPAL needs to be held accountable. 
They are not doing what their website promises which is provide transcripts and communication on how they even came to their conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: OH
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:
Synchrony Bank We were long time customers at XXXX and always used our Synchrony card for purchases. My wife and I have used them since first started out as a couple and spent over {$10000.00} over the past 5 years. Multiple beds, frames, mattresses, kitchen tables, entertainment centers, couches, you name it. 

This past XXXX we bought an XXXX couch which was to be delivered in late XXXX early XXXX. Come delivery time XXXX ( owner of XXXX ) had to delay 4x. Now we are getting into XXXX and XXXX says he has part of the couch to deliver so we say ok. He delivers half of the couch and stated the rest would be there by XX/XX/23 at the latest. Come that time it was still not delivered or available. At this point we asked what else we could do, XXXX knowing we were long time customers stated we could purchase those missing pieces elsewhere ( XXXX XXXX  ) and he would reimburse. The total cost of the missing pieces was {$1400.00}. So we purchased them and took the itemized receipt to XXXX who then proceeded to say he would not provide the refund. 

We disputed with Synchrony Bank because the product which we purchase still, to this day, has not been delivered. Synchrony Bank denied our dispute saying that delivery issues must be dealt with through the retailer. We are being charged for a product that has never been delivered feel as though this is unfair and deceptive by both Synchrony and 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 2022-04-06
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a payment of {$250.00} to settle a debt of around {$800.00}. Today it shows I owe the remaining balance. I called for a recipt of what I spent. They never sent it. They constantly lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells fargo opened a account in my name and refuses to close when I never opened a account

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 2018-03-29
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I need the Chase to provide me the IP address where someone has pulled hard inquiry with my information.. 
I never authorized anyone to pull hard inquiry and I need further instruction how I can make a claim against Chase and file the lawsuit and also make a police report .. 
This hard inquiry is not authorized by me and I would to clearly get some more info how someone has taken my information.. 
I am willing to make a police report, file the FTC complaint as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or 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 purchased 2 Vanilla Gift Cars Visas. I put {$100.00} dollars on each card. Total cost I paid was XXXX I purchase beed cards quite XXXX have never had any problems. I purchase these from a different XXXX. I got home opened the cards up and the first card had the third set of numbers partially missing I couldnt make them out. The second card had the last 4 numbers missing completely. I called this in on the XXXX of XXXX and was told to send Al of the documents and receipts in. I sent in everything they requested. I was told by the first person I spoke with to give them XXXX business days, after the 3 business days I didnt hear from them so I resent the documents. I spoke to someone else and they told me it would be 4 business days again and I should check my email and make sure to check my spam. The next time I called the lady told me they didnt send emails. I spoke to someone on Wednesday who claimed to be a Supervisor and asked for some reliable information, he told me he saw Al of my information and someone should have emailed or phoned me with updates, he promised someone would and they were working on my claim. I didnt receive a email or phone call. I have been nice and respectful with these individuals since XX/XX/XXXX and still no direct answers, it feels like Im getting the run around and I feel Ike this is a scam. They cancel the cards I gave them Al of my information and nothing.

I am worried because I purchase these cards today my bill online every month and I feel helpless and nervous about the consequences this is going to have on my credit score. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is against the Wells Fargo Home Mortgage Application Fee submitted by XXXX XXXX XXXX and paid directly from her checking account in the amount of {$50.00} on or about XX/XX/2004 from her XXXX  XXXX XXXX account. All information provided, gathered and obtained from that application remains the interest of XXXX XXXX XXXX, accountholder and shall be provided upon request.

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 2019-10-10
Company: Experian Information Solutions Inc.
State: AZ
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:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

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 2022-10-05
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL 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: Account status incorrect

Complaint:
There is a {$7000.00} charge off on my credit and bill collectors keep contacting me about this XXXX XXXX XXXX. I just received an email from Capital One claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and XXXX was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.

Company response to consumer: Closed with explanation