BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 I ported my phone services from XXXX to XXXX XXXX XXXX. I had a final bill from XXXX which I paid off in the amount of {$1700.00}. This was paid off from bank card with XXXX XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 XXXX XXXX alerted me that I have a collection from Convergent Outsourcing original Creditor - XXXX. I have contacted XXXX and they have told me that I need to contact Convergent Outsourcing. XXXX refuses to go over the bill with me and Convergent Outsourcing just keeps asking for payment. At the end of XXXX I did receive a paid in full balance receipt from XXXX which I did not keep because I did not think I would need it again. I have attached a copy of my bank statement showing Ive paid them. I marked in RED showing the debit from my account. I have also attached a copy of my XXXX XXXX XXXX initial bill showing when my services were transferred over. Please remove this debt because I owe nothing.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-12
Company: BlockFi Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have around ( XXXXXXXX XXXX and XXXX XXXX ) $ XXXX stored in BlockFi and I use them as my main credit card, this morning I tried to withdraw money from them, and they do not allow it, they seem to have used my money for their own gambling and now they blocked withdrawals. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I couldn't link my bank account with XXXX, back around XXXX or XXXX of 2020. Because of this, I can't use that app, which is to help save money, in a very smart way. I called PNC & was, in so many words, told " too bad ''. Now it's XX/XX/2020, & I've been using XXXX XXXX XXXX, with whom I also have their secured credit card, and PNC won't let me link my bank account with them either, so to pay on my credit card. Instead, I'm forced to use my debit/bank card & I have to pay a fee, every single time I need/want to pay on that credit card. It's total XXXX. They can say they're trying to keep their customers personal info secure but I'm not XXXX ... .I know it's just so they can make more money. All financial institutions are in kahoots & they're all a bunch of greedy XXXX. Unfortunately, these financial institutions are also a necessary evil & there's no way around having to deal with them & it XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: GU
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:
JPMCB Card Services pulled an unauthorized credit report for me. See attachment. Please have this credit inquiry and the subsequent debt cancelled as it is fraudulent. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting 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:
On XX/XX/2023 a hard credit check was done by SYNCB/XXXX followed by a charge and balance amount of {$3400.00}. Called SYNCB on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. 

On XX/XX/2023 a hard credit check was done by XXXX XXXX XXXX XXXX, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from XXXX Bank to verify if I was opening this account and replied no. 

I put a freeze on all XXXX of the credit reporting agencies

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 2023-12-18
Company: FIRST HORIZON BANK
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have apparently had a credit card account with First Horizon bank for years, but, I have never received or used their card. Once each year I reveive a bill for an annual fee of {$45.00} dollars, which is paid through my checking account with another bank. That bill for the annual fee is mailed to my home and does not include the full credit card account number, only the last four digits. 

I have tried multiple times to contact First Horizon and was once told that the account was closed. I have just received another bill, however, and I'm told that no one can discuss the account or close it for me without the credit card number, which I do not possess. At this point I'm apparently paying them $ XXXX for nothing at all. 

I don't live anywhere near a physical branch, in fact, there does not appear to be any First Horizon banks in my state of Pennsylvania. Surely there must be some way to close this account that I've never used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Unauthorized wire transfer : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and I Found transaction that I did not make. I had my debit card in my possession and did not authorize anyone to use my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. 
XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent XXXX week And on XX/XX/XXXX I called again they said the claim is denied. It is said that the same IP was used in Chase. I don't know about that. This is fraud issue!! 
When I called on XX/XX/XXXX, I don't know if they did a wire recall or what kind of investigation they did. I want to know details of the investigation. ( includes date and time ) And I found traces that someone entered my account and changed my phone number and email. attach it. 
I visited Chase Bank on XX/XX/XXXX and sent a complaint letter through the bank teller. 
She said agent would call soon, but there was no call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX  XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX : {$25000.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-15
Company: Click n' Close, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
They sent me a escrow check XXXX XXXX, I deposited in bank. 
They called on XXXX XXXX, stating it was a mistake, so I gave the money back through a ACH, ON XXXX. 
ON XXXX, they stopped payment on the XXXX check. 
Creating a negative {$2900.00}, in my saving account. 
Now I am getting XXXX, in my bank. 
I've called multiple times, no call backs, managers aren't there, and won't call me back. I'm going negative in my account more every day. 
I'm a XXXX Veteran, and I'm very concerned. 
Now my bank is emailing me and sending me letters to resolve negative funds in my bank. 
And I can not. 
The company is CLICK & CLOSE, or MID AMERICA I'm on a fixed income. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: WELLS FARGO & COMPANY
State: OR
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:
Two unauthorized transactions in the amount of {$1400.00} and {$1500.00} were charged on my card XX/XX/XXXX. Before that date I was on vacation in XXXX Washington with my family, we stayed at XXXX XXXX. During that vacation I lost my card. So I reported the charges to my bank. I filed a claim with Wells Fargo and they credited my account in the amount of {$3000.00}. Later in XXXX I get a later stating they will reverse the credit on XX/XX/XXXX because the merchant responded and they have compelling evidence that I made the purchase or someone authorized did. I tried to appeal the decision but claims department refused and told me to work with the merchant. So I made a complaint with the cpfb and Wells Fargo executive office escalated the claim. They investigated for 10 days and they stuck with the claims departments decision. The merchants compelling evidence are proof of delivery and signed packages. My proof is that my card was lost, I reported the charges as fraud. My family nor I were home when the packages were delivered. The packages were delivered the XXXX and XXXX of XXXX. I was not home XX/XX/XXXX through XX/XX/XXXX, which I was only home for a brief moment to pack and head out to the airport for another trip. So therefore it is impossible for me or anyone in my house to sign for any package, to receive any package. The first package delivered XX/XX/XXXX was signed by someone named XXXX XXXX, I dont know anyone named XXXX XXXX XXXX The second package was delivered but no one was there to receive or sign for it so they left a notice. A few minutes later someone signed for it. NO ONE WAS HOME, WE WERE ALL GONE. When I came home on the XXXX  there were no packages, nothing. I have written statements that my card was lost by people who were in XXXX with me. I have written statements by my father who was preparing to see stating that I did not have my card with me in Idaho because I left it in Washington. I have plane tickets showing my flights. I was screenshots of usps tracking that someone signed for XXXX XXXX and they failed to deliver the second package because I am out of town. Wells Fargo is unwilling to help me. My proof is more compelling than the merchants. They still wont help me, its 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 2019-05-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a 15 inch XXXX XXXX XXXX  Laptop from XXXX using my Chase Debit card for a total of {$2900.00} on XX/XX/2019. The package was supposedly shipped out via XXXX and allegedly " delivered '' to my house on XX/XX/2019. I was home the entire day waiting for the package but no one ever showed up to deliver it and I did not receive the box. After waiting 2 days in the case that XXXX delayed the delivery, the laptop still did not arrive. So I contacted XXXX, the merchant, to see if they can contact XXXX to try and locate my package if it went missing or something. One of the agents from XXXX told me that XXXX will start an investigation to try and locate the package. After a month and a half of " investigating '' and constant calls with both XXXX and XXXX and continuous times of XXXX telling me they would refund me the payment but never did, I could no longer wait for my money back speaking with them. I called my Chase bank number on the back of my debit card and disputed the transaction on XX/XX/2019. I gave them all the information they asked for and was issued a temporary credit for the disputed charges. I was given no updates on the status of the dispute, but was given my money back. At that point, because I had my money, I assumed that the disputed charges resulted in my favor. But today, on XX/XX/2019, I received a letter in the mail dated XX/XX/2019, that Chase bank has found based on their " research '' that the disputed transaction of {$2900.00} was " processed correctly or was authorized '' and will be removing {$2900.00} from my account on XX/XX/2019. Upon contacting Chase again, they told me that they will not be reviewing my claim or take a second look at it. I will lose {$2900.00} and still will not have the XXXX XXXX XXXX laptop I ordered on XX/XX/2019. At this point, I will not have the funds to pay for my monthly expenses because I will be short almost {$3000.00} with 4 days notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was victim of a XXXX support scam. They pretended to be IT/troubleshooting support and put me through this elaborate plan. The scammers convinced me that my account was restricted because there was a cyber security breach with my phone data and digital wallet. This was a lie and they used remote access to make me send money through CashApp to secure my account. There was never any data breach and my XXXX account wasnt actually being used. I alerted my bank immediately after but CashApp insists this was not a scam or fraud because my phone was accessed remotely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: AMERICAN EXPRESS COMPANY
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my Transunion credit file on XX/XX/XXXX, I noticed continuous soft inquires from XXXX starting XX/XX/XXXX. I immediately tried to contact XXXX, which does not have a customer service number, so I emailed them. I explained by dilemma to the representative and was advised that I would have to create another account with them and provide them the ID assigned to this account, and that they would locate the other account using this info. In addition, would take 5 days to remove the account. I followed up on XX/XX/XXXX to advise there were still soft inquiries showing on my report. A representative advised that they would be deleting both accounts and blacklisting my social security number. I then reached out to Transunion to inquire how they allow anyone to use 3rd parties to gain access to my credit file. The only explanation I received was that soft inquires do not impact my credit file. While I am passionate about my credit rating, I have significant concern with someone have visibility into my credit report. Please assist as I fear this can happen again.

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 2018-08-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS COMPANY IS FRAUDULENT!!!! THEY CLAIM THIS IS PAST DUE DEBT. I CONTACTED THE COMPANY THEY CLAIM TO BE REPRESENTING " XXXX XXXX XXXX XXXX XXXX '' I SPOKE WITH A NICE PERSON NAMED XXXX, WHO LOOKED INTO THIS. SHE STATED, " THERE ARE ABSOLUTELY NO OPEN OR CLOSED ACCOUNTS, OR ACCOUNTS THAT SHOW PAYMENT IS DUE ANYWHERE IN THEIR SYSTEM FOR ME, PAST OR PRESENT!!!!! SHE ALSO STATED THAT IT DOES NOT SOUND RIGHT THAT THIS COMPANY WOULD STATE THAT THEY GAVE THEM THE DEBT WHEN THERE IS NO DEBT OWED TO THE HOSPITAL BECAUSE EVERYTHING WAS PAID OFF. THIS COMPANY PURCHASED ACCOUNTS THAT WERE ALREADY CLOSED, WHICH IS ILLEGAL. AND THEN PROCEEDED TO PUT THEM ON MY CREDIT REPORT. XXXX XXXX NEVER ONCE SENT ANYTHING TO ME IN THE MAIL, VIA EMAIL ; THEY ALSO NEVER ONCE CALLED ME TO ASK ABOUT THIS DEBT. I AM BEYOND XXXX OFF THAT THEY ARE ALLOWED TO XXXX UP SOMEONE'S CREDIT LIKE THIS. THIS COMPANY AFTER DOING RESEARCH IS INVOLVED IN NUMEROUS LAWSUITS FOR THE SAME PRACTICE THAT I AM GOING THROUGH. THERE ARE NUMEROUS COMPLAINTS FROM PEOPLE WHO ARE GOING THROUGH THE SAME SITUATION THAT I AM GOING THROUGH. I DO NOT KNOW HOW THEY ARE STILL IN BUSINESS. I AM IN THE PROCESS OF CONTACTING AN ATTORNEY TO BEGIN A LAWSUIT. I WAS IN THE PROCESS OF PURCHASING MY FIRST HOME, AND THIS COMPANY 'S FRAUDULENT ACTIVITY CAUSED ME TO BE DECLINED FOR THE HOME LOAN. THIS IS NOT THE FIRST TIME THIS COMPANY HAS DONE THIS. THEY HAVE BEEN ON MY REPORT BEFORE AND WHEN I REPORTED THEM AS FRAUD. THEY IMMEDIATELY REMOVED THE AMOUNTS. THEN A MONTH LATER THEY CHANGE THEIR NAME AROUND AND DROP MY SCORE. THEN I COMPLAIN AND THEY REMOVE IT. I AM SICK OF PLAYING WITH THIS FRAUDULENT COMPANY. SOMETHING SERIOUSLY NEEDS TO BE DONE. I WILL ALSO BE CONTACTING THE MEDIA ABOUT THIS COMPANY, BECAUSE THIS SCAM HAS TO STOP. WHEN YOU CONTACT THIS COMPANY THEY ATTEMPT TO USE BULLY TACTICS TO GET YOU TO PAY FOR SOMETHING YOU DO NOT OWE, BY SAYING THEY WILL PUT YOU IN PRISON, AND TAKE YOU TO COURT AND SUE YOU. WHEN I STATED THAT I CALLED THE COMPANY THEY CLAIMED TO BE " REPRESENTING '' THEY IMMEDIATELY GOT AN ATTITUDE AND SAID THE COMPANY WAS LYING, AND THAT I BETTER GIVE THEM MY CREDIT INFO OR I AM GOING TO JAIL. I SHUTTER TO IMAGINE HOW MANY ELDERLY OR YOUNG PEOPLE THEY HAVE SCAMMED. THIS NEEDS TO STOP NOW.

Company response to consumer: Closed with explanation