BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2018-09-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of XXXX dollars using the chase  quick pay feature. I was buying tickets that I never received from the seller. I contacted chase immediately as this happened and they were unhelpful and did absolutely nothing to help me. This happened on XX/XX/2018. Chase does not provide any safety to their customers and I feel like they could have easily helped me after this scam but they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my XXXX XXXX about a month ago and saw that i had a $ XXXX XXXX bill that said it was closed. I've never had service with XXXX ever in my life ... i attempted to call them on multiple occasions and they just hang up on me. I also have a police report. The XXXX XXXX police department told me they can't give me a physical copy but a case number and to call for any questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I borrowed {$4200.00} from Cash Central. I repaid {$7300.00}. I paid {$3000.00} in fees. Cash Central is not licensed in my state, therefore, I was only responsible for repaying what I borrowed. Cash Central owes me {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: STERLING JEWELERS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was opened XX/XX/2012 account to all 3 Credit Bureaus in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back as requested to avoid all of this bs. Debt is not even valid ; and I formally request that this is removed and closed from my credit report. Kay has also failed to remove this per the attached notification. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.

Tried previously to get this taken care of // Need to get this removed after all this time. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written 2 letters informing Transworld Systems Inc. that the XXXX bill does not belong to us. The bill was for a shipment that did not originate from the address indicated and the billing address was for a company that does not exist. I suggested they contact the sender indicated on the bill or the recipient indicated on the bill for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
Someone created a virtual card corresponding with my Bank of America credit card. Between XX/XX/XXXX & XX/XX/XXXX they charged XXXX {$5000.00}. We ( my wife & I ) use the card 1 or two times per month. Saturday, XX/XX/XXXX @ XXXX I received a text asking if 3 listed transactions were fraud, I texted back " yes ''. When I got home later I called Bank of America. By talking to the BoA associate I found out that these were fraud charges numbers 7, 8, & 9 on my card. We cancelled both of our cards, they re-issued new cards we were to receive in 7-10 days. I thought this would suspend all charging to my account until we activated our new cards .... Fraudulent charges continued immediately the next day and through the week.

I received another text from BoA on Friday, XX/XX/XXXX @ XXXX asking if the 3 charges listed were fraudulent, I replied " yes ''. One of the charges was XXXX XXXX XXXX, obviously some Asian fraudulent looking charge. I again called BoA and talked to an associate, found out there were charges throughout the week. We cancelled the cards that we hadn't even received yet. They removed all the charges from our record. 

We received a letter XX/XX/XXXX stating that they investigated & thought there was " NO FRAUD ''. The charges went back onto our account. I called BoA in early XXXX re-stating that these charges are fraudulent, we had our credit cards in our possession, we didn't loan them to anyone, & we did not make the charges. They removed the charges. 

We received two letters XX/XX/XXXX stating that they have completed an investigation and concluded no fraud. 

On XX/XX/XXXX I sent a certified letter to BoA re-stating the charges were fraud. I had also found many mistakes in there letters & billing. 1 ) No fraud on accounts ( credit card numbers ) where we weren't claiming any fraud. 2 ) Charges on our bill where they indicated that the charge was declined in the text that they sent me. 3 ) That we had never created a virtual card associated with this credit card. ( Why create a virtual card if we have chipped cards? ) 4 ) That we don't recognize the phone number associated with this credit card. I NEVER RECEIVED A RESPONSE TO THIS LETTER! 

On XX/XX/XXXX I sent ANOTHER certified letter to BoA asking them to 1 ) Remove the fraudulent charges, 2 ) removed the finance & interest payments, 3 ) Send me an accurate statement, 4 ) Send me evidence, logic, & reasoning as to why they think these charges are not fraudulent. 

On XX/XX/XXXX I received a letter from BoA stating we've reviewed your claim, we still think there is no fraud. We know you disagree, but we're not going to resolve in your favor.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: MO
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 ; Experian and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2021-01-22
Company: CITIBANK, N.A.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX  XXXX ILLINOIS XXXX CITIBANK ACCOUNT : XXXX Consumer Fraud Case # XXXX CERTIFIED MAIL XX/XX/2021 CITIBANK XXXX XXXX  XXXX XXXX XXXX  SD XXXX To Whom It May Concern- Thank you for your letter XX/XX/2021. Please note the following details ( a ) the services were not provided by the merchant ; ( b ) I contacted Airbnb to complain about the bug/rodent infested location ( even they have admitted that and have records of calls related to the same is Citi claiming that does not exist? ) ; ( c ) I provided details to Citibank about why I disputed the charges. Even the merchant policies acknowledges bug/rodent infestation is a reason for not consuming services ( though they ignore it for my case ). 

Most importantly, CITIBANK continues to violate Federal Law ( specifically FDIC Statute 226.12.z ) and provides no legal reason it does so in fact it purposely ignores my several letters specifically stating I can not resolve my dispute with the vendor and I am asserting my rights under the law to direct CITIBANK to not pay the charge. 

==== ==== ==== Thus, I am specifically asking ( and I am sure the OCC Federal Bank Examiner will also ask ) for a formal reply to I ( XXXX XXXX XXXX assert to CITIBANK XXXX the card issuer ) that I have a dispute with AIRBNB ( the transaction ) that can not be resolved and I am directing CITIBANK XXXX the card issuer ) to withhold payment to AIRBNB permanently. 
==== ==== ==== Lastly, illegally, ( you are now notified ), Citibank said a note on my credit record exists for a charge and will only be removed if I contact CITI and pay that charge. Note I am officially stating I *have* already paid CITI for that disputed charge, CITI collected the funds from me, and still wants to place a dispute on my Credit Report for a charge they already got paid for? CITI can not have it both ways, violating Federal Law, denying a dispute, getting payment for it, placing a negative entry on my Credit report, and asking me to pay again to have that removed? That is negligent intentional harm to me and my Credit - if I apply for credit and its denied due to that entry, CITI will pay damages. 

Sincerely, 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 2021-02-24
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX of XXXX XX/XX/XXXX of ILLINOIS XXXX XXXX submitted a collection for {$200.00} with Ability Recovery Services. I just recently moved back to XXXX at the end of XXXX, prior to that all my healthcare was on the XXXX base, and since being in XXXX all my care is through the VA. I have great reason to believe that this is not my debt, and I am unable to validate this.

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 2020-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase opened a company account for a company I used to work for. I never personally signed for the account. 
I have requested a copy of the contract with my signature for nearly one year and they have refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my bill and requested cancellation of service in XXXX of 2020. Somehow the Company was still charging my account. I had no knowledge because I wasnt watching television to keep track of how long it had been happening. In XX/XX/2020 I returned all equipment to the company that wouldve been a fee if it wasnt returned. The delay was due to a busy schedule. But all of the equipment was returned. Im not sure why the Company wishes to go against the dispute but I refuse to allow them to force me to pay by messing with my credit for debt thats not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: Experian Information Solutions 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:
A company named XXXX placed a malicious collection item in my Experian credit report. I am not aware of XXXX and have never done any business with them. In the credit report, it is mentioned that they are collecting a XXXX balance, yet there is was not assignment of debt document letter provided by XXXX to XXXX to present to shoe that XXXX has a right to any debt. XXXX must be required to remove the malicious collection item from my credit report by reporting the item removed. It is unlawful for a debt collector to place collection item which are not their own debt as the originator or assigned by the debt originator in order to have a right to the debt. 

Additionally, I deny owning any debt to XXXX and do not own a XXXX card and never owned a XXXX card. I have attached the result of the complaint filed with Experian where Experian reached out to XXXX and XXXX illegally confirmed the debt and as a result, Experian did not remove.

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 2017-09-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is regarding the Public Service Loan Forgiveness program. I submitted my Employment Certification at the end of XXXX. I have been working in public service since XXXX XXXX and have made 120 payments on my loan. 

I called on XXXX to check on the status of my application. I spoke to four different employees and received three different explanations. I was told that : My application was processed and declined because my loan is serviced through XXXX and not US department of education. However, I never chose to transfer my loan service to XXXX. He said that I could go to the website ( studentloan.gov ) and consolidate my loan into a loan serviced by the US department of education and immediately receive loan forgiveness. I had a question about the consolidation form online and was transferred to a lady who said : Now that I have applied for PSLF, I can now start making 120 monthly payments and will be eligible for PSLF in ten more years, but I should be able to pay off my loan in ten years, so there was no point in consolidating my loan.
I am unclear why my loan is not considered to be a US department of education loan and why my service was transferred to XXXX despite my interest in PSLF. I was then transferred back to a lady who said that she had no idea why I received the prior two bits of information, that my application was received but would take another 30 days to process. 
I feel as though I could call five more times and get five more  stories. 

After paying on my loan for more than 10 years, I still owe ~ {$3000.00} and am seeking assistance coming up with a resolution. If I ultimately do no qualify, I will understand, but I feel that I have been given the run around and every excuse why my loan should n't be forgiven and feel that I deserve due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: MO
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:
I have never filed a XXXX XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve this matter

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 2021-04-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CITIBANK, N.A.
State: WI
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:
I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief