BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Chime Financial Inc
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I was scam by Chime XX/XX/2023 for about of XXXX. I got a called from chime that morning saying someone in Florida was trying to use my checking account they was going to stop the card and make sure nobody use it because they see I'm in XXXX XXXX so the person who called said they sending me some codes to stopped the card and from them taking my money so they start sending code asking what's the codes I told them remind you I trusted them because they called from the chime number so they told me wait to 10 to 15mins as the continue working with me I waited they said your card close another one will be in mailed 7 to 10 business days I get on there to check my card they remove money out my XXXX XXXX to my checking and start purchasing something at the pharmacy at XXXX I had five different purchase two of the amount of XXXX, another two of amount XXXX, also one purchase of XXXX I called chime they put it in investigation they representive said I can see you didn't purchase this because your purchases haven't never been out there I been with them for years now the representive then start the dispute as we doing that someone tried to link my card to a XXXX XXXX she stop all international transactions and block them I then get a email saying they didn't see anything wrong like I made the purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, two withdrawals were made on my Cash App account from the same merchant, XXXX XXXX XXXX XXXX and XXXX XXXX. The first was an ACH in the amount of {$10.00} that was authorized two days prior. The second charge was for {$25.00} that I had not initiated. When I contacted the merchant, they claimed they had no knowledge of the charge and did not find it in their system. They requested a statement which I provided but it did not offer any additional details to aid in their search. The merchant then requested a transaction ID or merchant reference number. I was first told my Cash App support that they did not have access to such numbers. I later received an email with an 8 digit and 7 digit number listed as " trace number '' and " trace number 2 ''. I forwarded these to the merchant, they informed that it was not the correct information. I was under the impression that an ACH trace number was 15 digits. Is that 15 digits each for the sending and receiving bank, or 15 digits total like I received from Cash App? I just need to know if Cash App does in fact have access to the ACH trace number so that the merchant can find my money. Also, is the bank allowed to share a merchant ID number? Is that somewhat like a tax ID number and typically not shared with customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit 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:
On XX/XX/XXXX, I authorized a merchant a one-time charge in the amount of {$1400.00}. While the card was in their possession, I was charged multiple times for the same thing ( without my knowledge or authorization ). The unauthorized charges were for {$2300.00}, {$5600.00}, {$4000.00} and {$10000.00}. Totaling {$21000.00}! I reached out to American Express immediately to notify them I did not authorize the additional XXXX charges. Over the next XXXX months a fraud case was opened and closed XXXX times- with no resolution or backing from my bank. As a card holder ( of over 30 years ), I should be protected by the Fair Credit Billing Act. After a new case was opened, and contacting XXXX multiple times each month, the response was the same - " we see these charges as valid, as you provided your card to the merchant. '' True, but I did NOT authorize the additional XXXX charges. The merchant provided fake receipts with handwritten charges/tips, and signatures that weren't mine ( that's fraud ), but somehow this good enough for American Express XXXX This left me speechless. 

My last call to XXXX was on XX/XX/XXXX, only to be told that they would not reopen the case and that I was basically stuck with the $ XXXX in fraudulent charges. I've never felt so disrespected and mistreated by a company in my life. Their customer service and loyalty to card holder is non-existent. I need restitution for the fraudulent $ XXXX of charges that XXXX will not refund me. My plan is to get restitution and close my account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Block, Inc.
State: CA
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 made a purchase XX/XX/2023 of {$100.00} at XXXX in XXXX California. I returned the item on XX/XX/XXXX. And I have not received the money back. I have contacted the merchant and Cashapp. The merchant supplied me with a receipt stating the return was made and cashapp doesnt refund the money. I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We are currently enrolled to help with our debt with XXXX XXXX One of the companies we enrolled was American Express. In XXXX of XXXX, we started the program with XXXX fiXXXX. We started putting money into our dedicated account XXXX of XXXX BECAUSE we want to pay our debt at a number we can actually afford as retired military. Our first missed payment to AMEX wasnt until mid XXXX. We didnt hit 30 days missed payment till XX/XX/XXXX. Currently in XXXX of XXXX. Only 5 months out. It started with calls and letters which we expected. We directed them to XXXX XXXX and told them we are working on fixing our debt. That they WILL be paid, just please contact the company we are working with to fix this. We understand they want a payment and we havent said we wont. We are just going through a company to do so. Apparently thats an issue. They refused to let us speak, refused the information, cussed us out on numerous occasions and even had a guy who said he represented American Express call us and cuss us out. The last call was in XXXX where a VERY aggressive and loud man was demanding payment and again, refused to take the information on the company we are working with. Ended up having to block the numbers to stop the harassment. 
We are 5 months out. Thats it. They have refused to work with us or XXXX XXXX and are now trying to sue us. We havent been served, yet we got a letter stating we were being sued that wasnt even certified. 
The amount that is owed is XXXX XXXX ( That doesnt include the extra fees they have recently added ) Our last payment we made was XX/XX/XXXX at XXXX and XX/XX/XXXX of XXXX. 
Not once have we said anything negative. We have continuously tried to explain the situation and it sounds like they would much rather harass us than fix the situation and are now creating stress. Theres an old saying, you cant get blood from a turnip. Their fees had gotten higher regardless of making monthly payments, they never once reached out politely and instead were absolutely atrocious. All we are asking is for them to work with XXXX XXXX. Speak to them at least. But they wont. So now Im done trying. They have people coming to our house now harassing us. I have video proof. Whatever info you need, please dont hesitate to contact us so we can get this fixed ASAP. 
Again, we want to WORK with them. They just refuse to work with us. Im unsure of how to upload the video to here as its 5 minutes long. And the letters I have, AMEX has sent to us. XXXX XXXX has all of our dedicated account information and Im sure can share the program with you. I am attaching our proof of working with our debt as well as the last statement we received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio Recovery Associates LLC is send me collection papers representing themselves as XXXX XXXX XXXX XXXX. They have yet yo prove I owe the debt, but they are sending letters from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX my wife was in a car accident that totaled the car. 
We had the auto loan with Truist Bank and also had GAP insurance with XXXX. 

We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. 

It took 5 months to fix this problem, we had issues with Truist and also with XXXX, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to Truist, ( even though we were not at fault at the accident ) still there was a balance that XXXX ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( Truist ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. 

Would this be updated next month? or please advise us how can we proceed? 

Thank 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 2023-02-20
Company: JPMORGAN CHASE & CO.
State: NJ
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 Monday XXXX, 2023 I received a letter from Chase Bank to verify if it was me who apply for a Chase Sapphire Visa Signature account with my name and social security. I did not apply for a account with them and/or with any other bank. I called the number from the letter ( XXXX ) and reported this application as a fraud. The bank representative said they were canceling the application. The application reference number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Byrider Franchising, LLC
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX CNAC XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Removal of Late Payment I hope this letter finds you well. I am writing to discuss an issue regarding a recent late payment that was reported on my account. I kindly request your assistance in removing this late payment from my records. 

I was a loyal customer of CNAC from XX/XX/XXXX - XX/XX/XXXX and have always prided myself on being prompt with my payments. However, due to unforeseen circumstances, I was unable to make the payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time. I understand that late payments can have a negative impact on both my credit score and my relationship with your esteemed company. 

I assure you that this late payment is an anomaly and not reflective of my usual financial responsibility. My payment history with your company demonstrates a consistent record of timely payments, and I take great pride in maintaining a good credit standing. I have attached proof of my prompt payment history, including bank statements, to support my claim. 

I recognize the importance of a clean credit history and I genuinely regret any inconvenience caused by this tardy payment. In light of this, I kindly request your consideration in removing these late payments from my credit report. This removal would significantly improve my credit score and restore trust in my financial reliability. 

I commit to ensuring that such a circumstance does not occur again in the future. I have taken measures to avoid similar issues by implementing reminders and setting up automatic payments for my future bills. I valued my relationship with CNAC and would greatly appreciate your understanding and support in rectifying this situation. 

I kindly ask you to review my request and provide a response at your earliest convenience. Should you require any further information or documentation, please do not hesitate to contact me via the details provided above. 

Thank you for your time and consideration. I genuinely hope for a favorable resolution to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: The Receivable Management Services LLC
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  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV funding LLC has not provided validation of debt as requested. I also never signed a legal contract with LVNV Funding LLC, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn . : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( Equifax, XXXX, XXXX ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX, XXXX {$640.00} XXXX XXXX XXXX {$460.00} I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: LA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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