BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-10
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: Account status incorrect

Complaint:
Experian has my XXXX XXXXXXXX XXXX showing Negative. This account does not go positive until 2022 and there  has not been a late payment in over 18 months It should not take 4 years for this account to go positive considering it has not been late in over 18 months. 

FTC has been filed as well to this account.

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 2021-02-01
Company: Square Inc
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XX/XX/15 my entire cash balance of XXXX was transferred to another bank debit card at XXXX of which I hhave never done business.. The day before this or these hackers tried to move my money to a different Visa Debit card but it was not the right card or something. On that day, for the first tiime in over a year and half my account information was deleted, name, bank, phone, email etc and replaced with someone who used the name XXXX XXXX which doesn't seem a legal name. I have never been able to get the name of the bank card holder but it wasn't me.. This is just a few bits of the story but this bank obviously does not have protections to prevent my money bbeing transferred to a foreigh bank. Not a purchase for something. Transfer of all my monney. Local PD has report. I have never given my phone pin or the pin for the Cash App. There is not appropriate safety measures to protect our mooney and they have not replaced it provisionally. They say they can't determine if or not it was authorized. They have more than enough documentation and history to see I was robbed and I am victim. Stop thiis aand restore my financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, INC.
State: NJ
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:
I attempted to order a refrigerator through XXXX XXXX  in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of XXXX acct XXXX XXXX/XXXX # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Account information incorrect

Complaint:
I have submitted numerous disputes regarding the reporting of XXXX XXXX XXXX reporting inaccurate information. Transunion has allowed them to correct dates that were wrong which indicates they have communicated with XXXX XXXX directly. I actually received a letter from XXXX XXXX outlining dates of payments and the date the account was sold to a third party. 
The information on my credit file shows a chapter XXXX filing which is a payment plan. XXXX XXXX states on the credit file that a last payment was made XX/XX/XXXX when they first stated the last payment was in XXXX. XXXX. XXXX XXXX states in their letter to me that they were notified of a filing by me on XX/XX/XXXX but provided no proof. Also they said they sold the loan to XXXX XXXX XXXX on XX/XX/XXXX after charging this account off on XX/XX/XXXX. A letter from XXXX states that they bought the loan not XXXX XXXX XXXX onXX/XX/XXXX.They also state that this account was charged off in a chapter XXXX bankruptcy not chapter XXXX. 
This account has been inaccurately reported for over 3 years with Transunion claiming they have investigated this account with the creditor which actually don't have the account! That in itself is a violation of the FCRA. 
I have provided copies of paperwork of the above mentioned facts which has been ignored. The original creditor information is incorrect to the dates and who they sold they account to. Also they no longer have the account and is reporting inaccurate information about a chapter XXXX bankruptcy that they haven't provided any proof exist. The same chapter XXXX that was deleted from my XXXX  file during my complaint to the CFPB ( reference complaint # XXXX ). 
There's a bankruptcy under XXXX XXXX XXXX XXXX which is not me. Im just XXXX XXXX XXXX. I believe the items reporting on my credit file ; XXXX XXXX XXXX acct # XXXX and XXXX   acct # XXXX belong to that individual and are being reported under my name and 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 explanation
Consumer complaint received 2020-01-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about the end of XX/XX/XXXX, I received a letter from Synchrony bank after I removed several items from my account that were linked to an authorized user I removed in XX/XX/XXXX that kept reappearing, that stated they were reducing my borrowing credit to {$100.00} from approx 8k, owing {$0.00}. This is a slap in the face as I have had the account since approx XX/XX/XXXX paid ontime and as agreed, and I am still a Oustanding member. I have been going through a seperation for which the house is in dispute and yet I have other credit lines and pay them on time with credit borrowing above 8k and they have yet to reduce my line. I will never again take a credit card from Synchrony bank and will be letting anyone I can about how they treat good standing customers.

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 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Father XXXX XXXX in XX/XX/2018 leaving me as a beneficiary on his Traditional IRA. After multiple attempts at going into the branch to attempt some instruction on how to obtain the money I was finally told that the IRA deptartment would be sending me further instructions in XX/XX/2018 XXXX the people at the branch wouldnt let me talk to the IRA dept, nor would they give me any information whatsoever ). I received a letter from Bank of America a few weeks later stating we are unable to process your transaction at this time. This left me baffled as I wasnt trying to process anything, I was waiting on instructions from the IRA dept. So I called the number listed and after having to transfer to the fraud dept to even get a real person to ask a question to, found out the IRA dept. didnt work weekends even though the paper they sent me had weekend hours. I was told they decided to change their hours but failed to update their correspondence! I called back Monday, XX/XX/2018 and talked to XXXX XXXX who advised me I had to open my own money market IRA BEFORE they could release the funds to me that were left to ME as a beneficiary. He completed this over the phone and advised me he had also completed the beneficiary disbursement form that needed to be done in order for the money to transfer. He advised it would be about 14 business days and I should receive a check with my disbursement. As of XX/XX/2018 I still had not received a check so I called again and was advised the beneficiary disbursement form was never filled out or it was lost, so the money was never transferred into my account at all. Still waiting on a call back from a supervisor as to what happened now that I have waited over a month while they hold MY FUNDS hostage because they havent done what they said they were going to do on multiple occasions. This company has XXXX XXXX and lied every single time I have been in contact with them and none of their employees understand how any of this process works. I am absolutely appalled at how I have been treated through this whole process especially after losing my Father.

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 monetary relief
Consumer complaint received 2018-02-09
Company: EQUIFAX, 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:
CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE / TOO MANY INQUIRIES ON THE CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: The Best Service Co.,Inc
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Debt Collection Agency : The Best Service Company XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX reports account opening in XX/XX/XXXX for the original amount of {$750.00}. XX/XX/XXXX account charged off for {$830.00}. {$830.00} written off. Account status remains Charged Off/ Failed to Pay on XXXX Credit Bureau on XX/XX/XXXX. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Called XXXX XXXX to see if they still had account. They said they no longer have files regarding the account number listed on the credit report and the account is closed but not sold off. They use the help of The Best Service Company to help them acquire the debt. Any further inquiries must be made through the collection company. 

The Best Service Company reports date of account opened as of XX/XX/XXXX. They report credit limit or original amount of {$830.00}. Disputed with XXXX Credit Bureau on XX/XX/XXXX. Recieved first time letter from The Best Service Company on XX/XX/XXXX. Letter claims Balance Due : {$1100.00}. Anual Int. Rate : 10 % Letter states recieving dispute, but for them to first investigate my claim, I must describe in detail the basis of my dispute. I must also provide all documentation to support my dispute. Without any documentation, they will continue to credit report. I called The Best Service Company to inquire about the account asking if they had physical documentation stating they could collect the debt and the accuracy of the information regarding the account. The representative said she was not aware of having such documentation and said she did not know what I meant. She started to go over the information on the account and it was different from the information originally reported by XXXX XXXX. I started to question if the account was mine. She said I was talking over her and she was ending the phone call and hung up. I sent out a letter of verification inquiring about the account in XX/XX/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 2021-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern, On XX/XX/2021, I reported a few ACH transactions on my Chase checking account number XXXX as unauthroized. Please see attached, the fraud claim form that I was asked to fill, and send back, which was received by the bank on XX/XX/2021. The transactions were done by XXXX, which I have NEVER had an account with, or have done business with. 

On XX/XX/2021, after I filed my claim, I was then connected to another agent from the fraud department. He restricted my checking account, so that fraudulent activity could no longer continue. He informed me that the account has been blocked, it will be closed down, and I would need to go to a Chase branch with 2 pieces of ID to open a new account. 

I have not yet had the chance to go to a branch in person, and open a new account, due to a busy schedule, and traveling. However, as of today, XX/XX/2021, I noticed my checking account ending in XXXX has been completely closed down, and I can no longer view it online. I have contacted the Chase claims department multiple times over the past few days, and all I have been told is that my claim is pending approval by the back-office for the temporary credits to be posted onto the account. 

It is important to note that prior to the unauthorized activities that took place on my checking account, the available balance was {$86000.00}. 

Since I can no longer view any of the activities occurring on my checking account ending in XXXX online, I am very concerned about my money, where it is going, and how I can regain access to the funds that have been stolen from me I, hereby, request Chase bank to issue credit ASAP for the unauthorized ACH transactions that have taken place on my account, and since the account is closed, and I, no longer, have access to it, send me a check, for the entire balance of my account, prior to all these fraudulent ACH transfers taking place, to my mailing address on file : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX. 

Please make sure that I receive this check via expedited mail with a tracking number, and signature delivery, so that it does not get lost in the mail. Please provide me immediate access to my funds. 

Thank you for your time and consideration. 

-XXXX XXXX XXXX Account # XXXX Debit Card # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: States Recovery Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent invoice dated XX/XX/XXXX. 
I notified XXXX in writing on XX/XX/XXXX to dispute the account, to ask for verification that it was authorized to be opened. 
XXXX replied with a form letter to call their office I notified XXXX in Writing on XX/XX/XXXX to communicate with me by mail and that I continued to dispute the account and that I did not authorize it. 
XXXX replied with the same form letter to call their office. 
I noticed XXXX in writing on XX/XX/XXXX informing them to communicate with me by mail and that XXXX disputing the account and not a customer of XXXX. 
XXXX replied with another form letter telling me to call them. 
I wrote to XXXX again on XX/XX/XXXX referring to the previous communication and that XXXX did not respond properly to my dispute. I again requested proof and verification that I authorized the charges. They did not respond. 
I notified XXXX in writing on XX/XX/XXXX to cease telephone communications with me and written correspondence will be responded to accordingly. 
XXXX replied with another form letter telling me to call them. 
I notified XXXX in writing on XX/XX/XXXX that they have not shown that I owe them any money or any agreement between us. I told them I would no longer respond to them without proper verification. 

Received collection notice from States Recovery Systems Inc datedXX/XX/XXXX. 
Responded by disputing the alleged debt and demand for verification, along with copy of agreement for my relationship with XXXX. 
Sent an additional letter on XX/XX/XXXX of notice to debt collector of default for not verifying alleged debt.

Received letter dated XX/XX/XXXX stating debt was verified and a print out of statement of account, with multiple contract account numbers, debit and credit amounts, with XXXX XXXX XXXX XXXX XXXX   payments, which I do not have a XXXX XXXX XXXX Account. 
On XX/XX/XXXX, wrote to States Recovery System that I received the letter but that the account has been in dispute and that XXXX failed to address the dispute. Also informed States Recovery Systems that they did not properly validate the debt. A simple statement is not validation. Anyone can make a statement. 
XX/XX/XXXX States Recovery Systems reported the collection to credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2021 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have had navy federal for 5 years maybe longer they still have my account open but I cant do nothing because uI deposit a check that someone purchase an item from me and it was fraudulent I had no intention the check was fraud so they have my account on block snd I cant even open another account because Im in XXXX XXXX I dont owe any money I didnt recieve any money off check I just deposit it so Im not understanding why would I be ban I need answer and question I think the lady at branch was judging me because Im XXXX.I need help I would like to continue to bank with navy federal I didnt know I was being fraud we cant people trying to fraud us I wish I could have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30/60 DAYS ; XX/XX/XXXX - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the validity of a collection account that is appearing on my credit report. I Have found multiple inquires, credit card accounts and debt that i have not approved of or knew about from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: Experian Information Solutions Inc.
State: NV
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:
Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much

to worry about. We recently parted ways due to abuse b oth verbal and physical. There are Collections, inquiries, and addresses listed on all 3 of r eport that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019

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 2020-04-25
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I can not get my bank account to connect with venmo. Ever since i changed my password on my XXXX   app I can not get my venmo to connect. I have been trying for 5 days now every day.

Company response to consumer: Closed with non-monetary relief