BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: JPMORGAN CHASE & CO.
State: GA
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:
I came across this fraudulent hard inquiry when reviewing my credit report. The company is called Chase Card Date : XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my 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 2019-08-30
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
COMMONWEALTH FINANCE of XXXX XXXX XXXX in XXXX, PA XXXX called me attempting to collect an alleged debt of {$660.00}. I spoke with a woman on XX/XX/2019 at number XXXX at XXXX XXXX approximately. The woman would not tell me what the debt was related to and demanded my social security number which I was not comfortable providing. I told this woman by phone that I would be sending the company a cease & desist letter and that they were to remove all negative reporting as they are not my original creditor and I do not wish to work with them. I sent this company a Cease & Desist letter that I had notarized immediately. I did make a copy of my notarized cease and desist letter should I need to provide proof. I am enlisting the CFPB to help ensure this company respects and acknowledges my cease and desist request and that they terminate all collection efforts. Most importantly that this company REMOVE ALL NEGATIVE reporting to XXXX, XXXX, and XXXX A/S/A/P as they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company, Source Receivables Management, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only XXXX bureau and that is the consumer financial protection bureau. On June 5, 1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, 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:
Equifax is reporting that I have 2 bankruptcies on my credit report. They claim to have gotten this information from XXXX. I have sent several letters and my XXXX XXXX file to Equifax disputing this information. I want the items removed from my credit file Immediately! The first letter sent was on XX/XX/2020 and signed for on XX/XX/2020, second letter was sent XXXX XXXX signed for on XX/XX/2020, third letter sent on XX/XX/2020 signed for on XX/XX/2020 fourth letter sent on XX/XX/2020 signed for on XX/XX/2020, fifth letter sent on XX/XX/2020 signed for on XX/XX/2020. My final contact was a phone call to the company with no resolution. I've been dealing with this issue for 5 months and would like for this to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
noticed on Credit report I have been sent to collection for dept I do not own. Company : Credence Resource Manage. Noticed debt XXXX Amount of Debt {$300.00} from XXXX XXXX Account opened in XXXX, Ohio. Noticed another listing but don't have any other information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
It was hard setting up pay arrangements with XXXX XXXX and navient for small payments. Making us difficult for me to make payments at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Block, Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I used my credit card to send money to a few people and I was charged a fee and then later denied to use my credit card on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: WY
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:
Experian shows that a XXXX XXXX XXXX card was opened into my account in XXXX 2022. I launched a dispute online at Experian that I don't have a XXXX XXXX XXXX card, nor did I open this account. My credit has been hurt because they are showing late payments. I will sue them for damages if they don't remove it immediately. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Open. {$70.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$92.00} XXXX updated XX/XX/2022

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 2022-02-06
Company: Experian Information Solutions Inc.
State: PA
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:
This vehicle was my XXXX XXXX vehicle and she was involved in a total loss accident. We were told by XXXX that the vehicle was paid in full by the XXXX XXXX  and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Fay Servicing, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Around XX/XX/XXXX, I realized that Fay Servicing had charged me {$8000.00} in " forced '' insurance for my multifamily property at XXXX XXXX XXXX XXXX, XXXX NM XXXX. The charge came on my XXXX bill- but I had missed it. ( For the record, that is XXXX what my insurer is charging. ) I have had insurance in place since I purchased the property in XX/XX/XXXX. In fact, around XX/XX/XXXX, Fay paid the {$3700.00} annual insurance premium via escrow. And again around XX/XX/XXXX, Fay paid the {$3700.00} annual premium via escrow. So they are paying my insurance bill, but also telling me I don't have insurance! 

This is actually the second time that Fay has done this to me- on this property. In each case, it takes me dozens of calls, many hours waiting on the phone, email of documents etc. I speak to someone different every time. Nothing ever seems to happen. They promise they will get back to me but never do. They never, ever attempt to reach out to my insurance company to clear things up. 

The issue seems to me that my property goes under the address XXXX XXXX XXXX, but there are 8 units, all with different addresses ( XXXX XXXX XXXX etc. ) My insurance coverage is for all 8 units - it's very clear if you read beyond the front page. But the people at Fay make no attempt to understand that, and charge me for forced insurance because I " don't have insurance '' for the other units! 

I have been pursuing this since XX/XX/XXXX. Have made numerous calls to Fay ( I have records of all of them ). I've sent them proof of insurance for the last 3 years. 

( If you haven't already, I encourage you to look at the XXXX XXXX for Fay Servicing. I've never seen anything like it. And it makes me so angry that I never 'chose ' them and I can't get rid of them. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an envelope in the mail, showing that a savings account was opened in my name. The letter has my name and address and shows an active account in my name, however, I have NEVER done any business with Barclays. 

I did not open this account. 

I did not request to open 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 2023-09-10
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Cash app will not release my {$100.00} securitys deposit from a hotel stay when I was told from cash app through there chat to get a bill with {$0.00} balance and a email confirmation on the deposit witch I did they keep saying talk to the hotel and it will take XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX and on XX/XX/XXXX and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2021-05-08
Company: EQUIFAX, INC.
State: IL
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:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
At Capital One 360, I opened a Kids ' Savings Account for my son, XXXX XXXX, on XX/XX/2020. The website for this account type advertises, " {$0.00} To open or keep the account '' and " No Fees or Minimums '' ; " Kids Savings Accounts are fee-free and dont require a minimum balance. '' ( https : //www.capitalone.com/bank/savings-accounts/kids-savings-account ). I received a letter dated XX/XX/2020, from Capital One to advise that they have closed the account. I called today and spoke with XXXX, and then supervisor XXXX. They advised that the account was closed because it was not funded within 60 days. I was not aware of this requirement. I noted that the web site advised that there was no minimum balance. I also pointed out that I had 1 phone interaction about the account before today and had received 2 printed statements, but that none of those interactions had advised that the account would be closed if not funded within 60 days. XXXX admitted that the advertised information contradicted the terms. I asked if they could please reopen the account and I offered to fund it immediately. XXXX advised this was not possible, but I could apply for a new account. I asked to escalate the matter. He took my phone number and said that I would receive a call back, but that this process was delayed due to COVID-19. I asked if the 60-day window to fund my account could similarly be delayed, but he said no, that only the bank -- and not the customer -- was being given COVID-19-related extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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 want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-10
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This fraudulent account. Someone open account XXXX card.It was remove credit reports now XXXX XXXX sold the account its back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TIN : XXXX Chase Acct # Acct # XXXX I had business credit line opened with Chase bank in XXXX, MI in about XX/XX/XXXX which was completely paid off in XX/XX/XXXX to XXXX XXXX. Despite zero activity since then Chase automatically starts withdrawing {$300.00} from my other personal accounts into business line of credit for which balance was zero. So, my business line of credit keeps going more and more negative and with-drawl from my personal accounts without any reason without my permission, when I owe zero in reality on that line of credit. It was very complicated to get anyone on line to resolve it. After much efforts, time wastage during work hours, I got money back into my account on XX/XX/XXXX. But after few days on XX/XX/XXXX Chase does same thing, it again withdraws another {$300.00} and now my account is again negative by {$300.00}. 
I believe it MUST STOP. Chase needs to pay me double with interest for doing this. 
How many small businesses is Chase doing this? I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance {$24000.00}

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