BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NJ
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 # XXXX, XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: JPMORGAN CHASE & CO.
State: VA
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:
Two charges of {$140.00} and {$1400.00} were added on XX/XX/19 to my CHASE/AMAZON card, for a total of {$1500.00}. On the same statement I noticed a QUALIFIED PROMOTIONAL FINANCING transaction of {$1500.00} The charges were made to my account at that time : XXXX XXXX XXXX XXXX. ( Cancelled. ) My new account is : XXXX XXXX XXXX XXXX. 
I did not authorize these two transactions. 
In a phone call to AMAZON, they did not provide information as to : 1 ) what the promotion was about ; 2 ) any details about the promotion ; 3 ) any data relating to my signature that would have approved the promotional transaction ; 4 ) any data as to what accounts the monies involved were deposited ; 5 ) what individual received the deposits.

My XXXX XXXX XXXX account does not show any such two deposits in the vicinity of the XX/XX/19 date. 
CHASE is charging me {$86.00} monthly to cover the cost of this fraudulent transaction. 
No agent at either CHASE or AMAZON has satisfactorily provided details as to my involvement in any such CHASE or AMAZON promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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: Investigation took more than 30 days

Complaint:
During the pandemic I was late on tow payments on my car loan XX/XX/XXXX andXXXX XXXX due to lack of work and income. It is affecting my credit score and my ability to borrow money. I talked many time to XXXX XXXX XXXX loan people who would understand my situation and refused to help me

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 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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 i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a 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 2017-07-21
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacted by Franklin collections Agency, I have tried to work this debt that belongs to a family member out with them, but they refuse to comply back. I have sent validations letters, cease to delete letter and a pay and deletion letter still no answer back from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Chime Financial Inc
State: TX
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:
On XX/XX/22 at XXXX pm, someone made a fraudulent charge on my credit card and charged {$110.00} worth of gas ( XXXX XXXX ) then tried to charge {$170.00} ( XXXX pm ) worth of stuff at XXXX but I had the card shut off. I filed a police report online the next day. 

Then two weeks later, the detective contacted me for the first time and asked if I got my $ back and I told her no. She said there was nothing she can do. I asked if she was going to " pull the tapes '' ( surveillance videos ) and go after the thief. That was a week ago and no response. 

I understand this financial crime is probably a low-tier infraction but still. No attempt to further follow-through thus far. I am including screenshots of the fraudulent charges, a police report, and the correspondence with Chime and with the detective. 

The following is my detective 's name : XXXX XXXX XXXX # XXXX Police Officer XXXX XXXX  XXXX XXXX XXXX  XXXX Police Department Financial Crimes XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Information belongs to someone else

Complaint:
my identity was stolen resulting in fraudulent activities added to my credit file, i am reporting it in hopes of having it corrected at once.

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 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've have recently submitted another dispute directly with Capital One ( as of XX/XX/XXXX ). I have continuously been disputing the two accounts totaling {$3300.00} for the past 11 months. I am currently in the process of trying to clear my credit reports of fraudulent items due to identity theft. Capital One has not made one attempt to contact me since I started submitting disputes. I would speculate that I have submitted close to 20 disputes with Capital One. I keep receiving letters saying they have " completed investigations '' and have not once been contacted by Capital One during the investigation process. These accounts were removed from one of my credit reports ( XXXX ) and I have to now send letters to the other two bureaus ( XXXX & XXXX ) to help with my disputes. I would also like to note that XXXX experienced a data breach in XXXX. My information happened to compromised during that time and that is the year Capital One is claiming I opened those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.

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 2022-06-14
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I cancelled my personal cellphone number because I need to carry my work cell XXXX and only want to carry XXXX phone. I neglected to change some phone numbers with accounts, including Venmo, and am now unable to access that account. 

I have provided Venmo with a copy of my passport, bank account information, and a screen shot of my cellphone setting showing the account is in my name. They will not work with me to update my phone number so I can access my account. They are requesting a copy of my cellphone statement, but I work for a major Corporation ( XXXX employees nationwide ) and the cellphone bills are only under the corporation name and I do not have access to that information. 

A friend sent me money through Venmo and because they will not accept the information I provided I am unable to access the money. Additionally, my friend is unable to cancel the transfer so that she can pay me in a different manner. 

I easily updated my information with PayPal, a sister company of Venmo. I am now seeking help to receive the funds owed, and close out my account with Venmo. They are the most difficult company to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX to withdraw XXXX $ I got a receipt that said invalid entry please try again. No money dispensed so I thought I would try for XXXX $ thinking it 's the hoilday maybe the time machine is low on money. I get a receipt that says please contact your merchant. I thought I would go try another XXXX XXXX time machine. I pulled over and checked my account from my mobile app and the XXXX $ dollors was deducter from my account and the transaction shows completed. I am using an American express prepaid card that was issued from XXXX XXXX tax service 2 years ago and I have direct deposit from my employer. I called customer service and filed an disbuet. They said someone will contact me within three business days by email. They also wanted me to send a written request to a fax number. I did that aling with receipts from the transaction. There policy says it can take 10 days to receive a temporary credit and 45 days for a compleate investigation. I went to XXXX XXXX office located in XXXX and was told they would check there records and call me back. They called to say they were balanced so the card holder has to be overby XXXX . They concluded they investigation on XX/XX/XXXX and the email said that they were informed that the money was dispensed from the merchant. I filed a dispute with American express.I then took that e mail back to the corporate office and was told that this was not true. The North shore rep from the electronic department And I had a conference call with.American express and was told that they are not able to connect us to the dispute team, they only contact was email and were not able to provide that information either. Well since I had a fax and email from them we then faced a written letter from XXXX XXXX rep, there star transaction showing all transaction and the amounts aking with my transaction showing no funds were dispensed. I am currently waiting to see the outcome and hopefully a credit for XXXX $ Only contact information I have is this email that they are asking me to fax to XXXX and a fax of XXXX XXXX XXXX XXXX XXXX rep were very kind and are willing to get video footage if they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Arcadia recovery burea to inquire about a debt being reported. After providing information several ways, date of birth, social and name no account was found yet its being reported. Call was made on XX/XX/22 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Recovery One, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email a few months ago from XXXX that this account was added to my report. The company is Recovery One LLC. Not only do I not have any knowledge of this account I was never contracted by mail or phone about owing a debt. I have called, disputed and wrote a letter explaining this is not my debt. Also the date of birth they have in their records for me is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a debt settlement notice in my mailbox. I do not owe any kind of debt to any one. All my credit cards are regular and up to date. I do not carry any balance forward. 
The sender is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$500.00} payday loan from Cash Central on XX/XX/XXXX. I faxed and emailed a Notice of Cancellation on XX/XX/XXXX that I was rescinding the loan. I also called Cash Central on XX/XX/XXXX and spoke with XXXX or XXXX at XXXX to confirm I was cancelling/rescinding the payday loan and written documentation had been sent. Cash Central contacted me back on XX/XX/XXXX that ACH transactions had been disabled on my account effective XX/XX/XXXX and I needed to return the {$500.00} by certified check or XXXX XXXX. I purchased a certified cashier 's check from my bank on XX/XX/XXXX and returned the funds to Cash Central by overnight certified mail. The cashier 's check was cashed by Cash Central on XX/XX/XXXX. I contacted Cash Central by email and telephone to confirm receipt of the funds and no additional penalties or interest would be deducted from my account since the ACH function was disabled on my account. I was assured by XXXX a service manager that no additional fees were due and nothing would be deducted from my bank account. On XX/XX/XXXX Cash Central deducted {$140.00} from my bank account without my knowledge or authorization. I do n't owe them those funds! I want the funds returned to me immediately!

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 2021-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!

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 2017-07-21
Company: CITIBANK, N.A.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
With a balance of {$15000.00} that had been an available balance for over five months, I wrote a check for {$5200.00} and they declined to release the funds. I was charged service fees for insufficient funds. Upon contacting me, they initially claimed the account was not authorized for check writing, to which I pointed out they had issued me a checkbook and ATM card. CITI agreed it was intact a checking account but it was ineligible for withdrawal as it was recently opened. I pointed out that I had maintained a {$15000.00} balance for six months. They never provided a satisfactory answer to why my check was not honored and proceeded to spend the rest of the phone call insisting I could not close my account and have my funds returned to me. When I opened the account in XX/XX/XXXX, they attempted to take the initial {$15000.00} deposit THREE times from my XXXX XXXX account for a total of {$45000.00}. It took hours with myself and XXXX on a call to resolve the issue -- CITI never gave an answer or admitted overdrawing my account and ultimately XXXX has to put a hold on their account to prevent further raiding of my funds. Their practices are a violation and their conduct and accountbility nonexistent.

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 2017-07-21
Company: First Associates Loan Servicing LLC
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:
I have a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.

Company response to consumer: Closed with explanation