BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: NCB Management Services Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently NCB responded to my complaint, and admitted to reporting the incorrect dollar amount to the credit bureaus. NCB stated they purchased the account for {$16000.00} and are reporting this amount to the credit bureaus instead of the actual deficiency balance. Based off FDCPA and FCRA you are not allowed to report the wrong dollar amount, inaccurate information, or incomplete information. The information is incomplete as the documents you submitted do not outline how you come up with the {$16000.00} you are reporting. Im simply going based off your most recent explanation/ response as how NCB come up with this dollar amount. Again, the documents you provided do not state the {$16000.00} as the deficiency balance. Please report the accurate delinquency balance to the credit bureaus and remove the collection account immediately as the dollar amount you are reporting is not the accurate deficiency balance. 

Also, you didnt provide documentation of the last bill statement, documents confirming how you came up with the {$16000.00}, or provide anything stating I am able to dispute or even took the initiative to upload documents through cfpb. Maybe CFPB can take a look to see where the inaccuracies are. 

Again, your company has been aggressive and not satisfied my request to remove the collection. It IS a violation of the FDCPA and FCRA and I demand it be removed. 

If not removed, my next step will be to hire an attorney and take the matter to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im having problem to get my Experian credit score, also Im victim identity theft and fraud. 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 explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AZ
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:
This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
An aquaintence named XXXX XXXX had posted on XXXX  that he was having a moving sale and was selling a refridgerator. When I asked about the refridgerater on XX/XX/23 he messaged me from the same account. He said he could hold the fridge until Sat with a deposit of XXXX. I agreed and cashapped the money to what he said was his cashapp account. 

Later, I asked if he could deliver and he said yes, but there was a XXXX delivery fee. I agreed and sent XXXX. 

After a few hours, I start getting notifications that XXXX XXXXXXXX XXXX XXXX  acccount was hacked and other people had been scammed they same way by who ever was pretending to be him stating they were having a moving sale and he would hold and deliver the items for a deposit and delivery fee. 
I reported the account and XXXX  took it down. I contacted cashapp support who advised they can not help me with a fraudulent charge. I advised the person was hacked into someone elses XXXX  account and pretending to have a moving sale yet they say they can only ask the theif to send the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00}

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
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed on XXXX to purchase tickets. I transferred funds of {$250.00} from my Chase account via XXXX. Once I transferred the funds, the scammer stopped responding to emails, text, and calls. I have his transfer information and name and he said his bank was XXXX XXXX. I am sending screenshots and confirmation number for proof. I tried calling Chase and they said they will not be responsible for any scam even though I used their services to transact. Please help and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: WELLS FARGO & COMPANY
State: SC
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:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. WF BANK NA Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.

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 2022-01-12
Company: RENASANT CORPORATION
State: MS
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:
Renasant Bank denied my dispute in which a company that I advised in XXXX to stop withdrawing from my bank account. A XXXX payment was withdrawn. Renasant Bank denied my dispute because payments to this company had been made previously. That DOES NOT mean that they have the right to continue to withdraw from my account if I revoked access to my bank account. had to pay {$36.00} to file a stop payment on this account to keep XXXX out of my account majukg unauthorized withdrawals.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent a letter asking experian, XXXX and XXXX to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681i-experian, XXXX, and XXXX have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.

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 2022-01-12
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX XX/XX/2020 / {$2300.00} SYNCHRONY/ASHLEYS HOME STORE / XXXX {$3400.00} XXXX XXXX XX/XX/2020 XXXX {$13000.00} XXXX XXXX XX/XX/2020 / {$52000.00}

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
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2019-07-28
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On XX/XX/XXXX I went to cash a check from my bank, the tailor said that my account is closed, as it was the evening time an official said come on other day in day time to look in to your account in depth, I am an employed person so I arranged to leave from my job one day and went again on XX/XX/19. The officer showed me the last check drawn from my bank account, which was not mine it was a third party check not having either my name or signature even the routing number was different only the account number was mine. 
I asked him how did you cash this check when nothing is matching with my account information. 
Then he said no worries just file a claim and you will get your money back in 90 days, so I filed a claim. 
After 90 days when I went to ask the same officer he said to open a new account so they could put my money in it, so he opened up my new account. 
After 10 days I got a denial letter from the bank which stated that they can not reimburse my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: PACIFIC WESTERN BANK
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I requested a withdrawal payment from XXXX on XX/XX/XXXX for {$600.00} and Pacific Western Bank drafted the check on XX/XX/XXXX according to the check date. However, I didn't receive the check in the mail until XX/XX/XXXX, 2 weeks later. Pacific Western Bank seems to purposely either holding the funds back or is not able to keep up with the customer demand from XXXX which profits both XXXX and Pacific Western Bank as the customers need to deposit more funds to " play '' over a 2 week period without access to previous winnings. This practice is unlawful and deceptive and only benefits XXXX and Pacific Western Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Amazon Store Credit Card offered & Services through Synchrony Bank, miss calculated the Statement balance especially when there are transactions involving 0 % APR of equal Pay spread over multiple months. Consumers who want to be punctual in their payments opt for Autopay [ Statement Balance ] are miss-lead in this very shady practice. I have called Synchrony bank customer support and complained about the promotional offer I choose was miscalculated. Transaction in questions was made on XX/XX/2019 for an amount to {$2200.00}, but this amount was included in the Statement balance [ # XXXX ] which was paid in full [ AutoPay ] on XX/XX/2019. Ideally, when there are promotional offer transactions in a given statement period, the statement balance should correctly represent, in my case [ ( XXXX - XXXX ) + ( XXXX ) = {$470.00}. 

Customer Service Manager I spoke with : Name - XXXX Employee ID - XXXX Bank - Synchrony Credit Card

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 2021-01-29
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:
XXXX and Equifax did not comply with the FCRA regarding the legitimacy of a FTC Identity theft report and refused to block the account that was determined to be fraudulent. I have sued them regarding the same issue before, and I will again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
From early XX/XX/XXXX it finally became evidence that my wife and I were defrauded by a clone company XXXX XXXX. The criminality was confirmed through the XXXX reserve banks formal warning and also through communication in Early XX/XX/XXXX with a legitimate director ( who refuted clone company emails and information ) thus providing me with the information that in fact we had been defrauded through a sophisticated criminal enterprise ( taking on the identity of a legitimate company ).. 
In XX/XX/XXXX as first step we invested in a small amount USD XXXX proposed for an equity purchase of XXXX to which we went ahead ( based on the clone XXXX XXXX remittance that as provided ) which in turn created the first transfer through to their US account ( held by JP Morgan Chase Bank / receiver entity in XXXX XXXX XXXX?? 

Steps XX/XX/XXXX sort recovery of the USD XXXX funds that I wired ( per attached Wire copy ) to XXXX XXXX XXXX XXXX or a fraud entities JP Morgan Chase Account Details Receiver entity XXXX XXXX XXXX XXXX ( as a receiving entity for a Fraud scheme by XXXX XXXX that was a clone company not legitimate ) may also be fraudulent I tried to email XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on two emails on their site ( XXXX and XXXX ) but both bounced? 

Then a call to JP Morgan Chase USA for our Funds to be returned on in XX/XX/XXXX ( to JP Morgan chase and this was from a phone call ( to which customer service told us this was their method of complaining ) this process has been ignored as JP Morgan chase will only be motivated to act with a Court Subpoena Late XX/XX/XXXX posed JP Morgan Chase a Dispute letter with evidence. 
Also of note relating to the larger payment USD XXXXXXXX payment made to the XXXX XXXX Fraud Scam was a fraudulent letter provided by US company XXXX XXXX XXXX XXXX XXXX XXXXl that let me to believe the larger payment was supported by XXXX XXXX XXXX ( as the customer in this transaction ) I am attempting to recover the losses and would also like to know if the CFPB can assist through any insurance / indemnity funds in the US as well as recover the bank transfer ( USD XXXX to JP Morgan Chase )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: AK
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; Experian and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.

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 2021-11-04
Company: WELLS FARGO & COMPANY
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
WELLS FARGO 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