BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
****DO NOT CLOSE THIS COMPLAINT****THIS COMPLAINT CONTAINS NEW INFORMATION*** American Express has closed my account ending in XXXX and has a lawyer attempting to collect a debt. Invasion of my privacy under the Privacy Act of 1974. American Express sent my nonpublic private information to XXXX XXXX XXXX, XXXX. and now they are acting as a debt collector. American Express also closed my account without my authorized permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2018-03-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Initiated a timely debit card dispute with PNC Bank through the online portal on or about XX/XX/XXXX. The above mentioned bank initiated a standard template " Debit Card Transaction Dispute Form '' dated XX/XX/XXXX, and not received in the mail until XX/XX/XXXX, the bank gives the consumer 4 days to respond, with a respond by date of XX/XX/XXXX. As in the past, the bank conveniently, has lost the completed dispute form. Therefore, proof of the completed dispute form and fax transmission confirmation is attached. Details of the debit card billing dispute have already been explained on the above mentioned form and the bank online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX, account open on XXXX for {$740.00} XXXX XXXX Account opened on XX/XX/2022 amount XXXX Action taking by me I dispute these fraudulent accounts with both Equifax, and XXXX consumers reporting agency. I am a victim of Equifax and XXXX data breach. I am promised accuracy on my consumer credit report by federal law. I disputed these accounts listed above with them both over the phone and online. Now Im reporting it to the cfpb as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiry had been made. I'm representing myself by myself and I do not involve any third party for this matter. 
I request that you investigate the XXXX XXXX XXXX XX/XX/2022 inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: Elevate Recoveries, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Mercedes Benz Financial Services
State: NC
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:
In accordance with the fair XXXX act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CAINE & WEINER COMPANY, INC.
State: NC
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:
Credit reporting improper use 15 US 1681 section 2 states I have the right to privacy In accordance with the fair credit reporting act XXXX has violated my rights.

15 US 1681 section 2 states a consumer can not furnish a account without my written permission 15 US 1666 B : A creditor mXXXX not treat a payment on a credit card account under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got these negative items from unknown companies to show up on 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank closed and froze my savings account on XX/XX/23 I spoke to XXXX with Citibank at XXXX XXXX  XX/XX/23 and she verified this. Citibank has not returned MY money, as the XXXX days have passed. I truly believe they are committing banking fraud by freezing accounts.

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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my homeowner 's insurance check from my claim from hurricane Ida, into my savings account on XX/XX/, at the local branch. I was told that the fund will be released on XX/XX/XXXX XXXX XXXX  On Friday, XXXX XXXX I noticed my account was restricted I couldn't use my debit card. I couldn't withdraw or deposit money into my account. I called Chase on the phone and was told that the check that I deposited was fraud. I spent 2 hours on the phone while they investigated me as if I were a criminal. They asked so many questions I had to give them my lawyer 's number to speak with them. I was told that the check was clear from XXXX XXXX  but they still were holding it as fraud. I feel like they did that to me because of the color of my skin and the amount of the check. To This day the check is still on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: CA
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 the co-owner of a Chase account ending in XXXX with my XXXX child. On XX/XX/XXXX   there were 6 unauthorized XXXX  charges taken from my daughters account for {$2.00}, {$2.00}, {$2.00}, {$50.00}, {$50.00} and {$50.00}. All charges were payable to XXXX XXXX in XXXX Florida. My daughter was at work on XX/XX/XXXX  in XXXX, California and she did not make these charges. 

My daughter immediately filed a claim and had her debit card closed as soon as she saw these charges. 

I received a letter from Chase dated XX/XX/XXXX    that states the claim was denied due to the same token ID and apple pay being used. Thats a LIE! My daughter did not authorize these charges and her apple pay was not used. Please see the attached picture of her XXXX XXXX transactions on XX/XX/. 

Chase can tell from the way the transactions were done that this fraud. It follows a fraud pattern with them testing the account with three small {$2.00} transactions and then three larger transactions for {$50.00}. 

I demand that this claim being paid immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
CREDIT ACCEPTENCE HAS STOLLEN FROM ME AND MY HUSBAND. 
They are 100 % aware of the fraud that accused suring our sale. They CONTINUE to force me to sue one person after another. They are next : ) As they continue to allow my truck to sit in the shop. they continue to force us to pay for a loan for goods and products we NEVER received. The ignore and Lie in every response and feedback they proved. Stating they have talked to me. They have NOT a single time. They contimiue to charge me XXXX a month for gods I did not get that are not in my possession and have not been for now 18 or 19 months!!!!!!!!!!!

I AM PERSONALLY GOING TO SUE YOU. I WONT SETTLE OUT OF COURT LIKE EVERYONE ELSE BECUAE IM GOING TO RUN MY MOUTH FROM OJNE END OF THE COUNRTY TO ANOTHER. IM GOING TO CONTINUE TO CALL THE XXXX XXXX AND SEE MY XXXX XXXX XXXX XXXX XXXX  GIVES HER A CALL NEXT WEEK. YOU ALL ARE THEIVES. YOUR CONTRACT STATES I AM OWED MONEY FOR DENIAL OF USE OF THE WRRANTY AND FOR EVERY DAY YOU CONTINUE TO DENY ME USE AND CHARGE ME!!!!! SEE YOU IN COURT AND YOU WILL SEE ME IN COURT. YOU WONT SE ME IN ARBIRTRATION. AS YOU FAILED TO FOLLOW YOUR CONTRACT AGREEMENTS NO COURT WILL MAKE ME GO TO ARBITRATION AND I HAVE A LEGAL RIGHT TO A TRAIL AND A JURY TRAIL YOU CAN TRY WHATEVER GAMES YOU WANT. PLAYED THIS GAME ONCE NOW MOVING ONTO YOU!

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 2023-08-28
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
An unlicensed collection agency is attempting to conduct collection services in Illinois where I live. The agency 's contact information is I.C. System Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX. This agency has placed a collection account on my consumer reports causing a negative impact.

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 2022-12-02
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I was wrongly accused of owing {$350.00} in unpaid rent. I submitted my dispute letter to the debt collector, and while they ceased reporting me after I raised my dispute, they continue to contact me through email. It is expected that they would provide an update on the outcome of my dispute.

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 2023-08-23
Company: Nelnet, Inc.
State: MI
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 student loans were transferred to Nelnet. They only have 3 years of payments counting towards forgiveness ( the current year of forgiveness is showing as XXXX ) but I've been repaying on the loans ( IDR, $ 0 monthly payment ) since XXXX. And was also making monthly payments on them between XXXX and XXXX. The total number of monthly payments should be far more than 3 years ' worth. I'm unable to pull records that far back due to the transfer and the lack of documentation with the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We mailed a check to IRS for {$25000.00} on XX/XX/XXXX. Several days later we have received a call from XXXX  XXXX XXXX informing us that someone tried to deposit a fraudulent check but it was caught. Our check to IRS was intercepted through the mail system, washed and rewritten. XXXX has informed us that the funds were safe and we just need to let XXXX ( our bank ) know to process the request for refund. 
We have notified XXXX immediately and opened a claim. The claim has been mishandled over and over. Initially, submitted documents were not being added to the claim despite two bank branch submissions. After nearly 3 months of followups and revisiting, XXXX closed the case stating that funds were refunded, which was incorrect. So the case has needed to be reopened. It was not until middle of XXXX that XXXX has finally submitted a request to XXXX  for the refund. Upon multiple followups, we were informed that this process can take months as banks take their time in responding. It is not clear why. As of today, we have received a letter stating that if within 90 days, the case would be closed. This is despite the fact that claims respresentative has informed me that we will have to wait, as the case may take time. And apart from not taking proper action for nearly 4 months, XXXX is still not providing us an update It appears that both XXXX and XXXX are being deliberately inattentive so that they do not have to refund the {$25000.00} It would be appreciated if you could help us with this case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit 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:
Synchrony Bank closed three of my credit accounts with over XXXX in credit limits because I accidentally mistyped my bank account number using autopay, which was corrected in less than a week and payments have been made. I think this is an egregious action for a simple and probably common mistake.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-29
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased a calling plan from XXXX XXXX of XXXX. They drafted money from my CashApp account. XXXX says that they did not see that there was a draft made on the account. They referred me to CashApp. I filed a dispute with CashApp to stop payment or get my money refunded to me. CashApp denied my request to get my money back. I wrote back to CashApp telling them that I disagreed with their assessment, and then they closed my account within minutes.

Company response to consumer: Closed with explanation