BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Square Inc
State: IL
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:
I was a victim of XXXX fraud last year and received an unsolicited Cash App XXXXdebit card in the mail today ( XXXX ). When you try to call the company, there is no number available. There is no way except to send a message via email to the company or to get help unless you activate the fraudulent card through the web or app. This card was opened using my social security number but I have a credit freeze on through all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction. {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} I filed a dispute with Chase. I was told that it was denied because I still had my card in my possession and that the chip could not be copied. Within a few minutes of research I found that the chip could be copied and banks want to try to blame you for fraud first. I asked what documents could I provide to prove that it was not me. They said nothing. Its nothing that they could do and not even a police report would help. The first representative that I spoke with said that all someone needed was my account information to take my money. This is not right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
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:
I noticed several accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX, XX/XX/585975****** National Credit Adjust 991809****** XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AXX/XX/XXXXXXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/DS CitibXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM Bus Admin ODA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hello These 2 Address are showing up on my report and I have never lived there. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX XX/XX/2020 This is the second time I have disputed these inaccurate unverified accounts on my credit report. I has been longer than 30 days, You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2023-10-27
Company: Chime Financial Inc
State: FL
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:
XXXX XXXX I was involved in identity theft account potential XX/XX/2020 XXXX credit XXXX is not me involved in identity theft c Account open in XXXX I have XXXX addressed to be removed on my credit report also phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, I submitted a request to the 3 bureaus to have a specific accounts investigated and verified. I then sent follow up letters on XX/XX/XXXX and XX/XX/2020, after the information was listed as verified, and I asked for proof of verification. None was provided and the account misinformation is still being reported inaccurately. On XX/XX/2020, I asked the bureaus to provide validation of the debt being misreported, I then followed up with a letter on XX/XX/2020, both received no response and no correction of misinformation on the reports.

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 2023-01-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have called this Columbia Debt Recovery and they said I lived at XXXX XXXX ast a resident. I have lived in XXXX at the same address for the last 15 years. I can prove this I also worked at the same job for the last 5 when they say I was living at this apartmet complex.the amount owed is {$8.00} XXXX it list 's my name as XXXX XXXX XXXX I have not been XXXX XXXX for 30 years, I have been divored from XXXX XXXX for 30 years. The person that lived at this complex at this time was my son, I was called and asked could I be an emergency contact, I was never send any mail in XXXX telling me there was an evection or money owed. I called Columbia Debt Recovery and asked them to e-mail me documents with my signaure on them and they have not done so yet. I filled a dispute with experian also. I do not know how this can be my debt when they are saying I was a resident when I was not, I was just a emergency contact, someone in the leasing office lied or mislead paperwork. This is false information, I never lived there, I CAN PROVE THAT, I NEVER RECEIVED MAIL THERE, I CAN PROVE THAT, I NEVER HAD A KEY TO THIS APARTMENT. HOW CAN I BE HELD LIABLE FOR THIS? I HAVE GOTTEN NO PAPER WORK FROM ANYONE. I JUST MOVED TO ARIZONA A YEAR AN A HALF AGO WITH MY HUSBAND, I WANT THIS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CashCall Inc. keeps giving my loan to other company and keep raising interest on my loan and to that I stop paying them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This caused me some distress and might affect my futures credit transaction and so, I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Allied Collection Services, Inc. (Nevada)
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 XXXX- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES XXXX XXXXFOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX INVESTMENT FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX  XXXX FRAUD ACCOUNT # 1 XXXX  XXXX FRAUD ACCOUNT # 2 ALLIED COLLECTION FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE 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 2023-01-23
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled my service with XXXX XXXX XX/XX/22 online, confirmation number XXXX. I returned my equipment on XX/XX/22. I was told at the end of both interactions, that I would not owe any money. The next month, I noticed an autodebit payment was made to XXXX for services dated XXXX in the amount of {$83.00}, dates I didn't even have the equipment to use the service. I called XXXX and they told me " the cancellation didn't go through, '' and they would refund my money in sixty days, which I found unacceptable considering they wrongfully took this money from me. I disputed the charge with my bank and the amount was refunded to my checking account shortly after by XXXX. Weeks later, I received a refund check in the mail from XXXX in the amount of {$85.00}. I had already received the money back from my bank, and I thought that meant everything was settled, so I mailed the check back to XXXX. Then, in XXXX, I received a bill in the mail stating I owed {$83.00}. I called XXXX and spoke with XXXX different people, none of which could tell me what this bill was for. I of course did not pay this bill because my service was canceled and I did not even have the equipment for the service dates billed. XXXX has now sent this " debt '' to collections. I have disputed this with the debt collector and now apparently it's in XXXX 's hands to determine if my dispute is legitimate or not. I am not paying a debt I do not owe and I do not want this affecting my credit. I have spoken to many people who have said this exact thing has happened to them with XXXX and its appalling to me that they are getting away with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act Designed Receivable has violated my rights. Three times on all three credit bureaus. 

in the Amounts of XXXX. XXXX XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Momnt Technologies, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got the {$4500.00} loan from Momnt ( https : //www.momnt.com/ ) when I signed up for medical treatment at in XXXX, MD . When the medical treatment became obvious to me that it was a scam, I reported them to XXXX and they agreed to give me a full refund if I dropped my complaint. I agreed. 

The loan was forgiven immediately, but I had already made four {$250.00} payments on the loan. I waited a few months for my {$1000.00} refund, when I never received it, I began calling their customer support. In XXXX, I called them and spoke to a manager ( I didn't record his name ) and he agreed that the money was owed and that it would take up to two weeks to process it. 

After three weeks on XX/XX/XXXX, I called customer support again and talked with a woman by then name of XXXX ; she confirmed that the refund was owed and promised to call me back when she knew why it was not issued. She never called me back. 

On XX/XX/XXXX, I called customer support again. This time I spoke with XXXX who also confirmed the refund was owed but that the system that processed these refunds was down and that it may take months to repair. She told me an email would be sent when it was fixed. 

It does not take months to fix a system. I wonder if they business is failing, and they are holding on to not only my money but others owed to delay their demise. Whatever, I am being mistreated, probably illegally, by this lending company, Momnt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act these companies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized use On XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX # XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I dont recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX XXXX do not recognize this inquiry.

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 2023-01-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had an account that was fraudulently opened in my name on PayPal. I have contacted the merchant 6 times to dispute the fraudulent error & they advised me that the account will be removed and all inquiries from my credit reports I have yet to receive any updates & the creditor hasnt been useful. I keep receiving different departments to contact and nobody wants to address my issue from this 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Credit karma close my account and sent my money to the IRS instead of giving me my money so I could put in my business account after I reported to you about them not giving me a explanation for all this and still cant give me no reason, I feel they retaliated because I reported them. Credit karma banking needs to be close down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute : US BKRPT CT MD XXXX XXXX Purpose : Supplementary explanation of evidence. 

To Manager, I have previously disputed this bankruptcy record with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Please note my attached Birth Certificate. My legal name is noted there. Its the name I am required to use in all legal proceedings. This further shows that this record does not belong to me. I am frequently the target of identity theft and people burning my credit report with false info since my data has been breached by XXXX, opm, XXXX, and other companies. 


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 non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: FL
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX BANK XXXX COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
My bank reached out to me about a transaction on my account from a company called XXXX in the amount of XXXX my bank reverse the transaction and cancelled my card and I just got this card. I went to the site and others are going through the same thing with this company. Please help!

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: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check that I received from a claim. I was told that the funds would be available the next day in which it showed that the funds were available. I went to the bank a few days later to make a withdrawal. I was asked by the teller what I was intending to use the funds for, I told the teller that that was non of her concern and was denied access to MY money. I have never been asked to explain why I am making withdrawals from a banking institute before and don't intend to explain to anyone. I spent close to an hour in the bank trying to make a withdrawal, the entire situation was uncalled for and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Applied for auto loan with lender and was told I was pre-approved. XX/XX/2023 credit transaction was taken place after I completed the application using my personal information and security information. Called company and wasnt able to receive any help. They letter they send is in violation of my Equal Credit Opportunity Act and FCRA.

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