BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: Experian Information Solutions Inc.
State: MO
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'm requesting that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX XXXX, {$120.00}, XX/XX/XXXX, I was not in XXXX Hospital on XX/XX/XXXX, so this account can not be mines. And in accordance with the FCRA law physical documentation need to be presented to the consumer and if not the account shall be removed. Also I have absolutely no contract with the above. Account # 2, XXXX, {$910.00}, XX/XX/XXXX, this account is not mines either, and nor did I ever have a contract with this company, Account # 3, XXXX XXXX XXXX {$1000.00}. And account 3,4 and 5, XXXX XXXX XXXX, {$56.00}, {$52.00}, {$52.00}, XX/XX/XXXX, XX/XX/XXXX, I do not have a contract with any of the above.

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 2018-05-17
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4.  ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A purchase from XXXX using XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$500.00} failed. The money was taken off the card and should of been returned to the card when the purchase failed at the money center terminal. IT did not! 

The money missing has been acknowledged by XXXX/XXXX due back to me but the replacement giftcard which they sent me is supposed to be loaded with {$500.00} refund ( card ending XXXX XXXX ) .... can not be used. 

I HAVE CALLED AND EMAILED RELENTLESSLY they will not respond or give me the same response over and over that it will be fixed in 24 hours. 

It is XX/XX/XXXX, they took my money XX/XX/XXXX. So many hours spent on the phone telling the same story over and over, no one at XXXX cares. 

Dispute now ongoing with XXXX is # XXXX XXXX ( this Dispute started out as # XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25
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:
I'm not a credit repair company so please fix this problem. I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. I am a victim of identity theft, and did not make the charge [ s ]. I never gave your companies authorization to pull my credit report. Because of this unauthorized pull, my credit score has dropped. In order to pull a consumers credit report you need permission to do that, and if you dont have it its a violation of the FCRA which carries fines. Please provide me with proof that I authorized your company to pull my credit report. If you cant send me this proof in 30 days, you must delete this inquiry at once. Please update, or remove any inquiries that is not reporting with 100 % accuracy.I have contacted the furnished who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. After researching on the internet, it states a company needs authorization to pull a consumers credit report. These company 's did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX-XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019, XXXX XXXX Inquiry from XX/XX/2019, Absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: JPMORGAN CHASE & CO.
State: IL
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 received notifications from my Chase Banking app that there was suspicious activity and that Chase suspected Fraud. On XX/XX/XXXX my card information was used to make a purchase of {$57.00} at a XXXX in XXXX, IN. On XX/XX/XXXX my card information was used to make a purchase of {$160.00} at a XXXX XXXX XXXX XXXX in XXXX, IN. Neither of these purchases were me as I was 200 miles away at college at XXXX University in XXXX, IN and I had possession of my card. It was a school week so I would not be anywhere else but school, and do not have a car so I would not spend {$57.00} at a gas station. I immediately called Chase Customer Service on XX/XX/XXXX and the customer service agent was able to help me and credited my account the money that I did not authorize on my account. 

On XX/XX/XXXX Chase sent me a letter saying that they were reversing my credited transactions. After speaking with customer service, the woman on the phone said that they had " trouble believing the claims '' since I go to school in Indiana and since my card has a chip. She was very accusatory in her tone, and I was appalled. These transactions were not my doing, and I was a victim of card fraud, yet she continued to shoot down my responses and said that there was nothing they could do for me once the credited transaction was reversed. On XX/XX/XXXX I went to my local Chase Bank and was again that there was nothing they would do because they believed these charges were valid. They refused to re-credit my account. Chase Bank 's handling of this matter and its treatment of me as a customer is both offensive and egregious. I believe that a credit for these unauthorized purchases is necessary and I would appreciate any help I can get in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I was charged {$9.00} and for a dating app service. The app doesn't work due to technical issues. I did not receive any service from the company and attempted to resolve the problem. I opened a dispute with Capital One. Capital One recharged the {$9.00} amount without providing any details regarding the dispute. This is a violation of federal law, from my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a debt on my report im not aware of, have NOT received any contact on and this is from XX/XX/2011 so its beyond to old to be placed on my account. Another fraudulent collextion agency doing illegal practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have 5 different CD accounts with Barclays Bank. They have all been funded and have recieved proof of funds being placed into all 5 accounts accounts in the mail from Barclays Bank stating the facts and account information as well as emails from them stating these same facts. Now that one of my CD accounts have reached maturity I would like to transfer the funds to another account as contract states I 'm allowed to and Barclays Bank is not allowing this saying that I am not able to do this because I have not verified deposits into my account. They say the send these test deposits into my accounts but I never actually recieve them resulting in me not ever being able actually to link an external account to Barclays and thus not being able to transfer my funds. They are not allowing me acces to the funds in any of my 5 accounts because of this. Yet they are still using my borrowed funds from all 5 accounts and not allowing me access to my owned accounts and funds. This is illigal.

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 2019-09-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Macy 's sent my acct to Collection to XXXX XXXX XXXX , XXXX on XX/XX/XXXX for a debt of {$310.00} ( including fees charged and interests charged ). Regardless the account was canceled by credit grantor, Macy 's is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/XXXX offering a settlement. According to Citibank-XXXX XXXX XXXX, XXXX the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). Unfortunately, XXXX XXXX XXXX , XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Additionally, on XX/XX/XXXX, my account has been recalled by Citibank , N.A . and XXXX XXXX XXXX , XXXX is no longer being serviced by them. 
I made an offer and the collector refused to back down. It is no illegal, but may violate the companys policy for which the collector is working. Normally, Collectors are paid on commission, which is their motivation for collecting as much as possible. XXXX XXXX XXXX , XXXX wanted to get another month past due to get a higher commission. Additionally, I asked to talk with a Supervisor and repeatedly told me that a Supervisor was not available. Finally, when I talked with the Supervisor the amount had increased and my request denied. 
This bad practice collection has affected me an increasing disproportionately this crippling debt. 
Macys changed on XX/XX/XXXX to Citibank, N.A./Department Stores National Bank as a new collector. Obviously, Citibank did not offer any new way to resolve this issue and my efforts were completely invalid. Every time I wanted to talk with Macys they transferred the call to Citibank. 
Unfortunately, the amount has increased every month and according to the last statement released by Macy 's, the actual debt increased to {$500.00}. As a consumer, I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by Macy 's with a customer who is retired and the account canceled and sent to collection on XX/XX/XXXX. 
Macys should resolve this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} and CFPB implements and enforces federal consumer financial laws to ensure that all consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive and not charged with abusive late charges and interests.

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 2021-06-07
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is attempting to charge me for an {$200.00} insurance bill that does NOT belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 I contact Equifax, XXXX, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Seveal years ago filed for Bankruptcy. Local bank in town pulled my credit when I applied for a consumer loan. It showed the bankruptcy which has been more than 7 years, I believe we filed in 2010? Why has it not been removed?

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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Numerous complaints have been filed in regard to a close out check sent to me which had a stop payment placed on it prematurely and a second replacement check which was intercepted, cashed by a third party while I was on vacation, away from home. The account in question was opened as a result of data breach as well as two credit accounts, all with Capital One. Prior to this, Capital One had my personal information as I've had accounts as far back as XXXX, the data breach exposed my personal information and these accounts were opened as a result. The first check was sent to me on XX/XX/XXXX, received on XX/XX/XXXX, I left for XXXX XXXX on the following morning, XX/XX/XXXX at XXXX XXXX. I received an email from XXXX showing a package from Capital One was sent to me on or around XX/XX/XXXX, delivered on XX/XX/XXXX I believe. I do not have UPS tracking info available to me. Capital One is more than aware of this information from prior complaints and attached files showing my whereabouts at time check was intercepted and cashed. They also have information pertaining to the person whom cashed the check, however, they will not address it or compare signatures on both checks. They choose to mark my complaints as duplicate when in fact they are not, this is to avoid addressing the information I've shown as far as whereabouts and person whom cashed check in my name. I request copies of three checks, first one sent on XX/XX/XXXX with a stop payment on it, second one intercepted and cashed by third party, third one sent covering overdraft fees due to stop payment.. A XXXX XXXX agreed to refund overdraft fees and sent a separate check covering them. I need copes of these checks for the attorney representing me in the data breach. I also need copies of statements from all three accounts, the check and two credit accounts which include a Mastercard and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my bill in full and tried to use my card and it was declined. I called city card they stated my account was locked had me verify information and unlocked it. XX/XX/XXXX i attempted to use my card again and it was locked i called city back and was transferred to the fraud XXXX XXXX dept. .. after hours on the phone they will not unlock my account. I have begged and pleaded with them. It is XXXX time and im trying to use my card to shop for my children. They refuse to give me any information as to why my account was locked. And the are sending me a letter in the mail that takes 10 business days. I have never been treated this badly by a company in my entire life

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 2022-08-08
Company: EQUIFAX, INC.
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:
I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Paypal Holdings, Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have openned a XXXX Paypal Account and received funds form our sales from XXXX website. email : XXXX XXXX NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). 

So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? 

I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe an XXXX XXXX XXXX Mobile Debt and when I contacted the collection line I authorized a {$25.00} payment. They took {$120.00} out the automated system asked me if I authorized then a convenience fee of {$99.00}. I selected the option for No and they charged me an extra {$100.00} without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was never 30days late on this account SYNCB/MC I have made a payment on time I don't know why they report this. Account # XXXX below is the Creditors info. 

Contact Information XXXX XXXX XXXX XXXX, FL 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