BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-14
Company: Experian Information Solutions Inc.
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:
I have contacted Experian, XXXX and XXXX   separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to seek clarification and verification regarding the reported late payment associated with my CAPITAL ONE account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Resurgent Capital Services L.P.
State: CT
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan, as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This relates to a Credit Card ending in the four digits XXXX. 

On XX/XX/XXXX I was charged an annual fee of {$99.00} by Chase Credit Cards. I closed the account on XX/XX/XXXX and as communicated by their documentation and to me orally, as long as it was cancelled within the first 40 days after an annual fee assessment, it would be refunded. I began calling on XX/XX/XXXX requesting the refund and kept being told it would happen " automatically '' within XXXX billing cycles. I continued to call during this time period and received no relief. I was referred to multiple Supervisors during this time period and was told my case was being escalated. On XX/XX/XXXX, I talked to a supervisor named XXXX and she said she would escalate the issue again. Then I noticed that my credit card noted above was no longer available to view on my User Log On. So I called again on XX/XX/XXXX and spoke to a supervisor in XXXX, MO named XXXX, and he said he'd refer the matter again and I'd hear something soon. He had to make any new noted on this issued under another accounts since the convienently " purged '' all records, conversations and data from the card ending in XXXX. I've called again on XX/XX/XXXX and XX/XX/XXXX and condinue to get nowhere. Only told I need to speak to a supervisor, however, to do that the telephone wait time is over XXXX hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14
Company: EQUIFAX, INC.
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:
I have contacted XXXX, Equifax and XXXX separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX  XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days  after the date of receipt by such agency of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Netspend Corporation
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a card in the mail from Brink 's Money Prepaid Mastercard that I did not request or apply for. The card is addressed to me, but my name is spelled incorrectly ( XXXX vs. XXXX XXXX. While I understand that this company has a practice of buying contact information and sending unsolicited cards, this particular card arrived on the same day as two other fraudulent attempts to open credit cards using my incorrectly-spelled name ( the other incidents were with XXXX XXXX and XXXX ). That leads me to believe that the Brink 's card was actively applied for, rather than just randomly sent. 

I called the company, " cancelled '' the card ( their terminology -- it was never activated, and now it can not be activated ), and requested to be removed from their marketing campaigns. But that process was completely automated. I could not find a way to speak to a customer service representative or to report suspected fraud. There is no option for getting out of automated menus, no chat message option to contact a rep, and no method I could find on the website for reporting fraud.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-10-27
Company: CADENCE BANK
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They asked me if I wanted a credit card after I opened an account I replied I dont know. So they where waiting and the system was down and she said she would try it later but she didnt without contacting me I feel I should have been there while she was doing it and now hits on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I opened Business-Checking account in USbank with XXXX XXXX check from my customer around XX/XX/XXXX and that check is cleared and still on my account, after XXXX week later I deposit my USbank account another check from my other personal checking bank account but forgot to transfer money from my saving account to my checking account and my second check returned after that USbank close my account and doesn't give me my fund since 3 months. The bank policy show that that they should pay me my money back in any USbank branch with my ID. In that USbank branch everybody says different things to get my money back or they like to play with my money. I got email today that they want to talk or meet with my first check maker. That check is cleared since almost 4 months and " Once a check is cleared, the payer can't reverse it and get their money back. 
What should I do now? 

Thank you. 
Regards,

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 2019-07-14
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
REF TO EQUIFAX AND XXXX : COMPLAINT THESE ENTITIES CONTINUE TO ALLOW THESE COMPANIES TO PUT THIS ACCOUNT IN MY CREDIT REPORT WHICH HAVE BEEN TAKEN OUT MANY TIMES PLEASE REMOVE FROM MY REPORT I WOULD LIKE THEM FINED {$1000.00} XXXX COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Reported balance Original balance {$140.00} You owe 83 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 2 yrs, 10 mos ) Account status Please send NY attorney general complaint as well New York XXXX Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX NY, XXXX XXXX These companies have violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

I am still fighting the same issues for years and XXXX and Equifax do nothing about arent they supposed to do something they are not getting true fact these collections agencies are only verifying my name and personal information hey received from somewhere and they are not validating the debt and these two agency allow them to keep putting these two account in my credit report it is not fair. Equifax and Experian are not manually check this situation they are relying on computers. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX Date of Birth XXXX, XXXX Social Security Number : XXXX. 
XXXX Driver LIC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CITIBANK, N.A.
State: CA
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:
I was charged for a {$1200.00} transaction on XX/XX/XXXX and Citibank/ bestbuy waited for a month and closed dispute with a wrong reason. 

Disputed transaction Date : XX/XX/2023 ; Disputed Amount : {$1200.00}. 

There is no record of this transaction on bestbuy.com for this amount on that date. Bestbuy customer service have told me that there is no record of this transaction. 

I believe this transaction is showing up because of some odd way bestbuy has been processing a refund of an old transaction. 

Related transaction date : XX/XX/2023 ; amount : {$1200.00} ; This was TV pickup order i made. I canceled transaction on XX/XX/XXXX without picking up tv and bestbuy refunded that amount. 

2nd related transaction date : XX/XX/2023 ; Amount : {$1100.00} ; I made a different transaction on XX/XX/2023 for {$1100.00} for same TV pickup and I picked up the tv. 

From my pov, {$1200.00} transaction on XX/XX/XXXX was canceled and refunded on XX/XX/XXXX. I made a separate transaction for tv pickup that i pickedup for which i was rightly charged {$1100.00}. 

Reason provided by credit card card company for closing dispute without refund : I pickedup the tv. 

Why i contest the reason : 1 ) I canceled that order completely 2 ) I pickedup TV by placing a completely new order and was charged for it 3 ) the old transaction shows up as canceled on bestbuy.com and bestbuy customer service also confirmed that it is completely canceled and i should not have been charged.

I dont understand two things. 
1 ) Why will a {$1200.00} transaction suddenly appear on XX/XX/XXXX on my credit card when it was refunded on XX/XX/XXXX XXXX ) How can a transaction amount appear on a different date on my credit card when my bestbuy.com account shows it as canceled and refunded and there is no record of this transaction 3 ) Why does bestbuy/ citi take more than one month on this dispute and resolve it without adequately investigating or explaining to me

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 2023-10-27
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
What they did to me in XX/XX/2023 is an abuse. I made the payment for the bill I received, but later I found out that I had a balance of {$2.00}. I disputed the charges they added, but they never responded. Instead, they closed the account without resolving my request. Months later, it turns out I owe them more than {$140.00}, and they never addressed my complaint. Upon discovering this, I felt compelled to pay because I didn't want any blemishes on my credit report. Now, it turns out that despite having made the payment, they have reported late payments that I was unaware of. Despite having paid all those fees, I find myself doubly impacted by the negative marks. I've been researching, and this is considered predatory interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I mislaid my credit card. I called the credit card company to report it and customer service was closed. The automated system said they would close my account and start a new account with new numbers. 

Since I have a promotional balance that is due next month, I dont know how that will affect it.

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 2023-10-27
Company: General Motors Financial Company, Inc.
State: CA
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:
With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterwards I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letter of several unpaid for accounts that I have never open. There's a fraudulent account open that I am not near familiar with. These accounts are not mine, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, Original Creditor # XXXX has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written instructions 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand that these accounts be permanently deleted from my credit file

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 2023-10-28
Company: Chime Financial Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I needed to call XXXX XXXX for an issue I needed resolved with an XXXX. I XXXX  XXXX XXXX and clicked on the website and the number that was provided. The agent I spoke with said he needed to verify my identity and I needed to download an app called XXXX so he could see what my screen was showing as we talked. I did as he said and gave him permission to see what was on my screen. He the. Told me to go to my Chime bank account to see if a {$1.00} deposit XXXX sent was showing. I did and it never showed. He then tells me to go to pay/transfer and gave me an email address to put in for who I was sending money to. He then told me in the amount to put {$730.00}. That was the balance on my account and he was able to see that because of the app I downloaded. He was talking so fast and before I even thought I did as he said. He told me my money wasnt going anywhere because the transfer would not be accepted, it would be declined. He kept telling me to wait until it showed so he could decline it. It all happened so quickly. I waited and stayed on the line until the transfer went through. He immediately hung up on me. He scammed me into sending him my whole balance of {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I filed a complaint for fraud because someone had given me a fraudulent check which I cashed. It seemed fishy so I sent the money back and I didn't spend any of it. The bank looked into it and said I would be liable for the money no matter what. I made a claim and was denied even though I didn't do anything with the money and didn't know the check was stolen or fake.

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 2023-10-28
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a text message with loan amounts, payment amount and term. I chose the {$5000.00}, 36 month term at $ XXXX. I went through the process to get the loan and several times it was stated to to me that the funds would be available in my account in 5 - 10 minutes. This didn't happen after I paid {$120.00} federal insurance and {$170.00} state tax on the loan. i contacted the accounting department and they said they needed my XXXX XXXX sign in name and password, I told them they weren't getting in and all conversations ended at that point.

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