BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: PA
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:
XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
Our account was hacked and most of our money was stolen from Navy Federal Credit Union and someone transferred it to XXXX XXXX XXXX  We tried to consult Navy Federal but they were useless on this matter. We have som much debt to pay and now we are out of money. Our hard earned money got stolen from such a prestigious bank. What is the purpose of having such institutions where the money is not safe. When we have to do a big transaction, we usually call them. Then, some hacker comes and wipes off XXXX  of dollars without the bank knowing. The security is very poor. 

When I was being added to my wifes account a few months ago so that we could have joint access, then instead of adding me, they accidentally added someone else. Then we complained and the bank said your information is not compromised. However, now someone was added to the account and stole the money without us knowing, which is what the bank is telling us. They are not taking any responsibility

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: SC
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:
EQUIFAX isnt investigating according to the FCRA. Ive sent ion multiple notices to which they claim they validated it, however never send the documentation on how they verified it. Identify theft and fraud has taken place onto my consumer report. EQUIFAX iz not moving in a fair and equitable way! All of this information needs to be DELETED NOW if they cant send documentation on how it was verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Subject : Urgent Complaint - Unexpected Account Closure and Withheld Funds Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX XXXXXXXX, Iowa XXXX Date : XX/XX/2023 To whom it may concern, I am writing to formally file a complaint against Chase Bank for the unexpected closure of my account and the withholding of my funds without any given reason or evidence suggesting any illicit activities on my part. 

On XX/XX/2023, I was notified that my account, number XXXX, was closed. No prior notification or reason was provided. Additionally, as of XX/XX/2023, I have been unable to access the funds in my account, amounting to {$5800.00}, despite my numerous attempts to resolve the issue with the bank/institution .

I have always ensured that my transactions and activities are lawful and within the bank 's guidelines. It is deeply concerning and distressing to be treated as if I have committed some wrongdoing without being presented with any evidence or even an articulable suspicion of any illicit activity.

Despite my repeated attempts to communicate with Chase Bank using the number they provided to inquire about the details ( XXXX ), they have either been unresponsive or unable to provide a valid reason for their actions. This has not only caused significant financial strain but has also impacted my ability to meet my financial commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
While residing in XXXX Il at XXXX XXXX XXXX a Credit card was opened in my name by XXXX XXXX. 
Ms. XXXX was dating my uncle which lived in the apartment below. She had access to my apartment because my uncle watched my kids at night while I worked. She would enter the upstairs apartment and use my personal computer. Which was not an issue as I thought she could be trusted. However, the moment I moved from XXXX in 2014. I started receiving mail in a different state, Informing me that I was late on payments for a XXXX XXXX credit card. I NEVER OPENED THAT ACCOUNT. Payments apparently fell behind when she no longer had access to my personal information. I moved from XXXX XX/XX/2014 and was alerted to the information by the summer of 2014. I HAVE MAINTAINED ONE CREDIT CARD AND ITS BEEN A XXXX XXXX CARD. I have ALSO made several attempts asking that she make this right/ after she admitted that she had opened the account. She begged and pleaded that I not go to the authorities. After she made no attempts to make payments. I contacted the authorities and was told I need her confession. She has also been arrested for fraudulently opening an credit in My uncle name as well. I REPEAT I DID NOT OPEN THAT ACCOUNT. 
PLEASE SEE THE VIDEO ATTACHMENT BELOW OF HER BEING ARRESTED AND ESCORTED OUT OF OUR APARTMENT BUILDING. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to log into my mortgage account online to see my bill. I am unable to access my mortgage online due to technology issues with US Bank. I have called US Bank and they are unable to fix the issue on their end. I have asked them to call me back and they have not. I have already stated to them that I am withholding payment until they fix the issue. I still have not heard back from US Bank.

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 2022-08-07
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is the second time I have filed a complaint however you all stated the information didnt match. Review the call notes the Agent stated a Supervisor would call me months later no response.I will attach the information that was provided to me after the other claim under email address XXXX This compliant is with CASH APP.. their are several transactions that are fraudulent I have contacted them To no avail. I asked CASHAPP to close my account and as you will see from the evidence they are still sending text messages that my card was declined. They also sent me a text I was - {$900.00} and some dollars. All the money that CASHAPP allowed to go through that was fraudulent. I want all my money back. The people that did these fraudulent transactions I am willing to prosecute. They need to reimburse my money and they need go after these people to get their money back. CASHAPP has been on the news in XXXX, Florida it is not fair to me as a consumer to be defrauded and not receive any compensation for their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/2021 I noticed a hard inquiry on my XXXX credit report from Barclay Bank. I have never applied for anything with Barclay bank. I have on numerous occasions sent letters to Barclay bank about removing the unauthorized inquiry from my credit report as well as XXXX. I've been doing this for over a year now and nothing has been resolved. This is a form of fraud and I can't see how is it this difficult to be resolved. I also wasn't aware that a bank can just not respond to you.

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 2019-07-03
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have been requesting the NOTE on this account they say I have for over 30 days. with no luck. I have already submitted a claim to the CFPB Complaint ID XXXX. 
You closed it without a resolution. Attached are the documents along with the deed to my home show that the XXXX  number XXXX in fact is correct and they can not provide any info on this. They will not do the research. And neither did you guys. I need the lien released so I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy. 

1. Bank of america ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof

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 2023-06-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I made a one-time App purchase through the XXXX XXXX XXXX using PayPal as the source of the payment. XXXX XXXX XXXX asked which PayPal funding source I wanted to use. I specified a XXXX XXXX XXXX XXXX. The transaction went through with no error or other messages. I checked by PayPal account and instead of using the funding source specified, or even the preferred source, PayPal charged My XXXX XXXX XXXX Account that I use for business. 



I spent XXXX minutes on the phone with PayPal on XX/XX/XXXX after spending more than an hour on the evening of XX/XX/XXXX unsuccessfully trying to fix the problem using their website. At first, all three PayPal reps said that since the Debit card transaction was denied, they put the charge on my " most trusted '' funding source ( my business XXXX ). The last person I talked to, XXXX, an account manager, said it was XXXX XXXX  that selected the alternate funding source not PayPal, and I had to call XXXX [ I did try to call XXXX, but none of the 3 phone numbers I tried take you to a human being and I could not use the automated system because my issue was not on the allowed list of issues ]. After saying that PayPal considers acct XXXX the most trusted account, she said XXXX was able to see my various funding sources and selected a different funding source. 



There is a problem either way : either PayPal selected a different, non-preferred funding source without asking me if it was ok, or they allowed XXXX to pick a different funding source than the one I specified. If XXXX could not use the funding source I specified, I should have received an error message or a message asking me to change finding sources. 



With all 3 PayPal reps I emphasized how it was improper for me to have a XXXX Play charge on my Business Credit Card, but all three said there was nothing they could do to reverse the charge, even though XXXX showed it as still " pending. '' I told XXXX, if she did not reverse the charge and then use an authorized funding source to cover the amount, I would have no choice but to dispute the charge with XXXX as a XXXX Play charge could not stay on my Business credit card, and that I would contact you if appropriate. The charge is still pending, so I can't contact XXXX until it is final on Monday or Tuesday. 



I would rather PayPal undo their mistake and obtain the funds from an authorized source, but Pay Pal made it clear that there was no way that would ever happen, unless XXXX instigated the change ( but there is no way for me to get XXXX to do that ). 



I checked PayPal 's terms of service and I could not find any provision that allowed them to select an alternate funding source without permission. Whether it was PayPal or XXXX XXXX that changed the funding source, the action seems to be contrary to their communicated terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: SC
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 Reporting Act, XXXX XXXX Bank 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 an 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 2023-02-09
Company: V and H Portfolio
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter last month to Vance & Huffman LLC regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company Vance and Huffman a right to ignore my requests. I sent a letter XXXX  asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also wasn't provided with a license in the state of TX permitting them to collect any debt from me. I also asked for validation but was not provided that information. There are many FDCPA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi / AAdvantage Platinum Select World EliteTM MasterCard I have several issues with this card that started before the corona virus but now the main issues is I cant not reach anyone in customer service. I have called for days and wait on hold for 3+ hours and no one answers the calls. I have reached out via XXXX messenger and was told someone would call me and no one has called. I have also tried to reach someone via chat and that is not working either. This is the message I got on XXXX  and NO ONE HAS CONTACTED ME!!! >> " Hi XXXX, thank you for contact info. We are escalating to our Executive Response Unit. Please note that it may take at least 2 business days for our request to be received. In light of recent events this time frame may be a little longer. We appreciate your patience and understanding while we work to have your concerns addressed. ^XXXX  '' I am sick of this and the virus is no excuse because XXXX XXXX answers calls.

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 2023-02-01
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I.m request for a loan Deferment on my account to get a grace period to get caught up on my account to bring it current but i.m falling back in hardship but i.m current request this loan Deferment... customer need help ....

Company response to consumer: Closed with explanation