BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
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:
It is a violation for credit reporting agents to report inaccurate information and I have requested a re-investigation for creditor XXXX XXXX XXXX XXXX but this account is still being reported with incorrect and unverified payment history and account activity dates. This account shows obvious inconsistent incorrect payment history but the reporting agent ( s ) are still reporting inaccurate information after confirmed the account was verify. If the creditor will not verify by sending billing statements, itemize billing and payment history to be accurate and that all account required dates to be correct, please cease this account from my credit reports because of nonfactual unethical reporting.

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 2020-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am XXXX XXXX  so I am contacting you via email regarding my concern for a dispute I currently have open for unauthorized theft of my debit card. 

When I opened this claim I informed the person taking the claim the following. 

I used my card for gas on the day I went to urgent care for not feeling well. I had a XXXX test that same day I used my card at the gas station. It appears the next day my card was used twice a day on a daily basis until my balance was to {$3.00}. 

During my initial claim I stated I tried paying at the pump but the screen would ask for a pin number but still not authorize. I had to go inside and there was a very long line because it seemed everyone was having an issue with paying at the pump. 

I faxed a copy of my XXXX XXXX message received to my phone into your disputes department. This would show that I was confined home and not feeling well while my card was being used daily with no unusual activity being picked up by USAA 's system. 

Today I stopped for gas at the same station and there was a man taking videos and photos of a device attached to the pumps and the ATM machine at this same gas station. I used my card then the theft occurred. 

I am attaching photos of this device the man was pulling from the pumps and two ATM machines. I do believe he called the police to report this and turn the devices over to authorities. 

Please have this information reviewed and sent to your disputes department to assist in the possible recovery of my approx {$3500.00}. 

Thank you and if you need my assistance please send me an email. XXXX XXXX & Happy Holidays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On several occasions dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted a formal request in writing to Experian requesting that all incorrect personal information be removed from my credit profile. To this day they have refused to comply in removing the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and any associated accounts to this residence from my report. I have sent a copy of my drivers license and social security for proof of residency I have also submitted my most recent recent certified mail using my correct address

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 2019-04-26
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I don not have any knowledge of this debt or where it comes from. 
I have never received any written notification about this debt. 
It should not be on my credit report due to me not having a chance to validate this debt. 
It needs to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
**Repeated robocalls and personal voicemails left from an individual, despite being verbally told to stop several times. Was told by them that they can't stop, as if they have a right to harass. 
**Calls from XXXX area code ( XXXX ) have been blocked, as they try to call from different numbers, but still XXXX area code. They are leaving repeated voicemails in an attempt to full up my voicemail system. 

**Last attempt was today, XX/XX/2018 : -Blocked call from XXXX area code sent to voicemail w/message left @ XXXX, XXXX -Same area code called right back w/message left @ 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 2020-10-21
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus Experian, XXXX and XXXX to remove these defamatory remarks and comments from my credit report. This is a defamation of character.

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 2018-05-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Santander Consumer USA Holdings 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:
A demand for verification of debt was presented to XXXX and XXXX  by my attorneys twice and Santander as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions 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:
Experian continues to report XXXX XXXX University for a debt that was settled for less than amount owed. I was informed through the settlement that the account would no longer be reported, however, Experian continues to add it in my report. XXXX XXXX is not reporting this on a monthly basis. The account is settled and should be removed from my credit report.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-13
Company: BARCLAYS BANK DELAWARE
State: PA
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 am disputing a charge with my credit card company in the amount of {$120.00}. I made the dispute onXX/XX/XXXX and to date, they have still not made a temporary credit on the account while they investigate. I have called numerous times trying to get an update and no one can provide me information. I have asked for a manager to call me back and they do not. I have followed up with supporting documentation via fax and still no responses by Barclays Bank. They are not handling as they should.

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 2019-11-05
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with Amerifinancial Solutions. I have never done business with this company. I am not liable for collection from this debt from Amerifinancial Solutions. I am not responsible for this debt with Amerifinancial Solutions. I demand request be in the form of a verified statement by a person with  original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this  matter to enforce my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with XXXX, Equifax and XXXX. XXXX XXXX XXXX has verified and certified the furnished information is accurate. I then did my own investigation and determined that XXXX does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale XXXX credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to XXXX credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires XXXX credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to XXXX XXXX they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A few weeks ago, my accounts were frozen, I have called Chase customer service several times and no one could tell me why my accounts were locked. I have not received a letter or call from anyone explaining why. I have been trying to get MY money out from my account for several days now. Every time I call, they tell me I can go the branch and a branch XXXX can override and withdraw my money for me, since I am not able to withdraw anything myself due to the accounts being locked. When I do go to the branch, the branch XXXX is extremely rude and refuses to help me. I even had a representative on the phone in front of her telling me she is able to override and withdraw for me. The branch XXXX still refused to help me. This has been an awful experience. I need my money. I have many bills I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Personal information incorrect

Complaint:
I HAVE AN ALIAS NAME THAT NEED TO BE DELETED AS WELL AS 2 PREVIOUS ADDRESSES THAT ARE NOT MINE

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 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a XXXX checking account with Capital One, and setup my paychecks to be deposited into it. I never received my card, but apparently someone did because they withdrew or charged all of my funds in the account. I reported this to Capital One and they temporarily credited my account on XX/XX/XXXX while they investigated. They also told me that they'd send me a new card, which I'd have to sign for. It was delivered to me but was just left in an envelope on my porch. Luckily I was home and retrieved it before someone else did. I thought it possible that someone could've broken into my mailbox and took the original card because some other items I was expecting were missing as well, so I submitted a claim to XXXX on XX/XX/XXXX, but they weren't able to help. Capital One eventually reversed my temporary credits on XX/XX/XXXX, stating that they " didn't find any errors during [ their ] research. '' On XX/XX/XXXX I submitted an appeal and asked for further clarification ( steps they took to investigate, etc. ) but was offered no further information except to tell me that my claim was closed and they wouldn't continue any dialogue with me about it, even though I had many more questions and concerns and even asked what documentation I could provide to them to prove my case. Performing an insufficient investigation is one thing, but to also provide no reasoning and to decline to answer any of my questions is absolutely appalling. Also, the logic behind basically calling me a liar, accusing me of attempting to commit fraud against them but still keeping my account open, is perplexing to me. I'm not sure if that's standard practice. But I'm inclined to close the account myself if this issue isn't resolved. I wish I had never opened an account with Capital One and would advise against anyone else doing so. 

Fraudulent Transactions : XX/XX/2021 - {$800.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5 Amount : {$800.00} ATM Fee : {$3.00} XX/XX/2021 - {$510.00} - XXXX # XXXX - Debit Card Purchase : XXXX XXXX GMT-5 XX/XX/2021 - {$60.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
1. I contacted TransUnion LLC on several occasions to have the fraudulent inquiry removed from my credit profile. TransUnion LLC refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to XXXX XXXX XXXX XXXX XXXX was deemed fraudulent. TransUnion responded by sending me an Explanation Of Inquiry letter. 
XXXX. XXXX XXXX XXXX XXXX XXXX failed to request removal of fraudulent information.

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 2021-11-02
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I created a Cash App that individuals sent money over to. There was {$550.00} in it. When I logged back using the same email my balance was at XXXX with no transaction history. I noticed that the cash tag ( account name ) had been changed to an identical name but one letter off. I contacted Cash App through support and by phone numerous times and explained the situation. They would not provide any information over the phone and told me I could only be helped via email. After several emails explaining the situation, I kept getting the same response below : Hi ___________, This is ________ from Cash App Support, and I'll be taking over your case right now. Thanks for reaching out, and thank you, __________, for your patience in our delay in getting back to you. I understand you can not sign into the correct $ Cashtag as it wont let you, so let me assist you with this process. 

After reviewing your account, let me confirm that we're unable to grant access to $ _____________ for security reasons. To protect your current account, we can not override this decision.

You may continue using your current Cash App account to send and receive payments.

We are sorry for this, __________. If any other concerns come up, just let us know. We're here if you need us!

In addition, I ordered a cash card before the account was inaccessible. I attached a picture of the card for your ready reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: FL
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:
Credit inquiries in report that do not belong. I have tried disputing them and Im getting nowhere.

Company response to consumer: Closed with explanation