BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my US Bank ReliaCard issued for XXXX  through the Texas Workforce Commission on XX/XX/XXXX, I called the 800 # provided around XXXX XXXX   CST, said it was activated and gave me the available balance. At XXXX on the same day I went to use the card for groceries and it said the card was Not Authorized. I called the customer service 800 # to tell them about the issue and I was told it was locked because of the attempts to purchase the groceries and that I ha to wait 24 hours to call or go online to activate the card. 

On XX/XX/XXXX, I called the 800 # customer service only to tell them that I remembered when I called the day before it said the 3 digit # on the back of the card was incorrect, but because I called it locked me out another 24 hours. 

Therefore, I have money from XXXX   because I XXXX  my job and can not get access to it and I was told by the representative that it was absolutely nothing anyone could do about it to fix the situation.

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 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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 2019-11-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
This complaint is about Chase Bank.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud, even after a third party bank had detected the fraud. Chase is denying my claim due to time frame. If Chase had notified me, I should have been able to file claim a lot earlier.

1. On or about XX/XX/2019, I dropped two mails in post office drop box, one mail with a check # XXXX of {$17000.00}, payable to Internal Revenue Service ; the other mail with a check # XXXX of {$5900.00} payable to XXXX XXXX XXXX. My checking account is with Chase Bank. Later I noticed the funds were drawn from my account. 

2. On XX/XX/2019, a third party bank XXXX XXXX  called me, told me that there was fraud involved with these two checks.

3. I checked with Chase, the " Pay to the order of '' part had been altered for both checks. And the checks were cashed at XXXX XXXX. 

4. On XX/XX/2019, I immediately filed claim with Chase Bank. I was told by a Chase banker that my funds would be returned to my account within about 11 days.

5. But on XX/XX/2019, XXXX notified me that they were denying my claim because my claim was not filed within time frame.

6. On XX/XX/XXXX, I reported the fraud to police department.

7. On XX/XX/XXXX, I escalated my claim to Chase Executive office.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud. I learned it only from a third party bank, which is XXXX XXXX. 

So far, Chase still refused to approve my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I checked XXXX XXXX information for my FICO credit score and they reported the following : XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX XX/XX/XXXX FICO SCORE of XXXX XX/XX/XXXX XXXX SCORE of XXXX On XX/XX/XXXX I made several telephone calls to Equifax after learning that Equifax was the custodian/owner of FICO and spoke with their representatives XXXX and later, I spoke with Adreana who transferred me to their FICO Department. I got an outgoing message ( with no options ) that referred me to telephone # XXXX. I called this number and was put into a telephone loop with an outgoing message and no options. 

With no options to speak with anyone and no automated options I telephoned the FTC in XXXX, IL and got an outgoing message that phone here ( XXXX ) is no longer in service. I checked ( on line ) and the only phone number listed for the FTC is in Washington, D.C. at XXXX which I called and only got an outgoing message. 

I then called CFPB at XXXX where I spoke with ( XXXX ) XXXX who advised me to file this complaint. 

I owe no one, have never been a day late on any financial obligations for over 50 years and have a personal net worth in the high six figure range. My FICO score appears to just be a number picked out of the air and is not based upon any valid credit information. I owe nothing to anyone!! 

The FICO score assigned to me is not accurate and no one appears accountable for this unfair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did my own research and this debt were already paid with another debt agency in 2018. I'm not sure why the previous debt agency did not record my payment. I have proof from 2018 from the debt agency also my bank proof payments were made and the account were settled. Sequium Asset Solution should not be trying to collect on a debt has been settled in 2018. By the look on this letter this has to be a very old debt that age of this debt. Enclosed is copies of 2018 settlement letter from another credit agency that I have copies of my voided checks that this company ACH from my bank account also have a email from my bank that shows the amount that were offered in the settlement were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
During the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, this company continues to deleted their collection off my credit and then have it hit me credit again a few days later. This company does this several times per month. This company has resulted in over 100 points being deleted from my credit for deleted and re-adding. Ive discussed with them numerous times that Im a social security XXXX recipient and unable to pay this debt, and they continue to threaten to take me to jail and seize my bank regardless of my income source. This company contacts me over 25 times per week, and continues to use vulgar and inappropriate language towards when we discuss via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Key 2 Recovery, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account was opened on XX/XX/2018 in the amount of {$2300.00}. I am a victim of identity theft and have been battling it for years. I finally had most of the fraudulent accounts closed and taken off my credit report, but then I wake up and see this. I worked very hard to get my XXXX score to a XXXX ; but yet again, another fraudulent bill shows up and drops my score by 52 points! this is NOT me. I don't know who is doing this, but it needs to be taken off because its fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2018 my wife and I started the process of buying a house. Before we started the process, my credit score was in the high 700s but when my credit credit was run for pre-approval, it had dropped over 20 points because a collection was added to my credit report that I had no knowledge of. They claimed that they have attempted to contact me but they never had as I have never heard or received anything from them. The debt stems from a bad check my daughter wrote an apartment complex for an application fee. I was a co-applicant on the form but was not responsible for the payment as I live in Colorado and the apartment complex was in South Carolina. According to South Carolina law, they should have filed a complaint against the person that wrote the check, which was not me. I have asked for them to provide me with anything that shows that this debt is mine but they are trying to say that I am responsible regardless and that I need to file a fraud report with the police before they will release me from the debt. I gave them the information to contact my daughter, at least the last known information. I filed a disputed with the credit bureau and it has been removed for now but I know that this company will not stop and this Ill happen again. It should be illegal for someone to report something on your credit report with no proof of the debt actually being yours and no attempts to contact you. Any assistance you can provide will be greatly appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: Trans-Fast Remittance LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I set up a new account with Transfast to make an international transfer. Upon setting up the account, Transfast required that I login into my bank account in order to to verify me before processing the transfer. I was notified by email that their account security team would verify my details then process the transaction. Hours later, I received an email stating my transaction was cancelled bc their security team could not verify me. I called and was not given any other details besides the account had been cancelled. Their staff was very unprofessional when I attempted to escalate the call, I was told the supervisor would be in a meeting until XXXX. Basically, for the remaining of their shift. No one is giving me details for why my transaction was cancelled and account disabled, when they have very sensitive information of mine. I am now concerned that this company has access my bank account details and I have no clue what I formation they have or how it is stored in their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi bank mastercard was charged {$940.00} in a 30 day period from XX/XX/XXXX to XX/XX/XXXX a total of 5 charges totaling {$940.00} from all from XXXX. This should of been flagged as fraud as we do not and have not used the card in over a year and have a perfect payment history on the card dating to XXXX. We called citi and my wife got a customer service rep in an overseas call center who could not speak clear english and kept reading a script to her. He would not give an operator ID and would not escalate the call. He advised my wife to make a payment on the disputed charges " to protect our credit '' on fraud charges that were being disputed. I called the same day and got an overseas customer service rep and requested the call be transferred to a US based customer service rep. The first customer service rep ( US Based ) also refused to give name or operator ID, when I said I would file complaint with the CFPB, State Attorney General and the FTC, at that point the call was transferred to a Credit Manager by the name of XXXX, Team ID XXXX, XXXX took the info and confirmed that the charges did not match the account history and placed a high priority on the account to the fraud department. I can get no time line and would not of received the service if I did not state I would file a formal complaint with the CFPB. A major concern was the attempt from Citi overseas based CSR to collect on a disputed and clearly fraud charge " to protect our credit ''. This is a violation of the FDCPA and card holder agreement. It should not require a threat to a company like Citi on a clear disputed fraud charge to do the right thing and transfer the call to a level appropriate with the complaint. The charges have not been resolved to date and no date given to resolve. XXXX stated he would monitor the account and agreed the charges were not in line with account history or activity in 20 years it has been open.

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 2018-07-15
Company: EQUIFAX, INC.
State: NM
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, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I requested validation of accounts from credit reporting agency for accuracy. Did not receive documents nor responses validating accounts on report are accurate.

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 2020-11-25
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a XXXX XXXX flight to XXXX, on XX/XX/2020 at XXXX, using Chase credit card reward points. On XX/XX/XXXX, I received a notification from XXXX XXXX that my booked flight XXXX XXXX XXXX is cancelled. I was then rebooked ( w/o my confirmation XXXX to a flight on XX/XX/2020 at XXXX. That XXXX pm flight was also cancelled. 

I submitted a refund request to XXXX XXXX on XX/XX/2020 and they responded the following day informing me I had to submit my request to the travel agency XXXX Chase Rewards ) I booked my flight with. 

On XX/XX/2020, I reached out to Chase and they informed me XXXX XXXX was able to issue airline credit ( {$610.00} ). Chase informed me that if I wanted a cash refund, I'd have to reach out to XXXX XXXX directly. However, since my flights were cancelled, I wanted a full return of my Chase credit card points. I did not want XXXX XXXX travel credits. 

Then in XX/XX/2020, I submitted a US DOT complaint regarding the credit card reward points refund process. I received the same response from XXXX XXXX. Talk to your travel agency if you want a full refund of points. 

The problem here is when I ask chase for a full points refund the refer me to XXXX XXXX. And when I reach out to XXXX XXXX, they refer me back to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to TransUnion more than 30 days ago and have not received any response. I am deeply distressed by TransUnion 's noncompliance. TransUnion is civilly liable pursuant to 15 USC 1681n

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 2021-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed about an internship opportunity. The company offered me an internship position that required certain materials to be purchased. They sent me a check through email which I printed and deposited. There was a hold on the check but the hold was removed afterwards and the money was awarded to my account. I used the XXXX XXXX option to pay the company to ship out the materials, knowing the money was available to me in my account from the check. The check was then returned by Chase because they were not able to locate the account and the money was taken away from my account. I was left with giving away the money I thought I was reimbursed for to the scammer. Chase did not refund me the money I lost to the scammer.

Company response to consumer: Closed with explanation