BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: JPMORGAN CHASE & CO.
State: CA
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/XXXX at XXXX, I was notified by text of a declined charge at XXXX XXXX of {$2400.00}. He was asked if this was him. At XXXX I responded " No. '' No response was given from Chase so on XX/XX/XXXX at XXXX, I responded " NO '' again and this time I was notified that my card would be cancelled and a new card would be issued. An image of these text messages have been shared with the Chase Fraud team. I did not purchase this item and it's clearly a fraudulent charge.

Having been a Chase member for over 10 years, I have spent hours on the phone with the Fraud team and have been told that they will not reverse this charge. I received an email from XXXX XXXX stating that this purchase occurred in XXXX, CA and was picked up in person. XXXX XXXX has not produced any video evidence or my signature picking up this product. In fact, I have never been to this store. 

I have had a good experience with Chase bank over the years and am high net worth individual as evidenced by my bank accounts and the 3 credit cards I currently hold with chase. 

As mentioned, chase has not provided an proof ( signatures, video, or any evidence at all ) that I actually made this purchase. They have gone to their highest level appeal and have declared this is a legitimate charge and I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving a copy of my credit report I filed a dispute with all 3 credit bureaus I asked that verification be sent to me I did receive a bill but nothing that had my signature on it. I have no knowledge of this account or debt and did not authorize it.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.

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 2022-06-13
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX, I opened a Citi checking account with {$15000.00}, within that time, the bank sent me a promotional offer with a higher yield than my bank was offered ; I then opened a savings account for {$21000.00} which I funded as a transfer from my bank to Citibank. In XXXX, I transferred another {$5000.00} to the savings account using a transfer again and another {$15000.00} to my checking account. When I couldnt access my accounts, I contacted the bank in XXXX and XX/XX/XXXX, each time I was given the runaround and was transferred to the fraud department which informed me that the bank had closed my accounts and that I will get a refund through the mail in about 30 days. When I asked why my account was closed and why there was no correspondence from the bank, the representative told me he did not know why and hung up on me. 
Not only did Citibank held my money without explanation, the removed all access online and though their app. I am left without my funds and with no information regarding my accounts. 
On XX/XX/XXXX, I received a check from Citibank on this amount of {$1400.00} with an explanation that read, this is the remaining amount of your account XXXX in reference to my savings account which the balance exceeded over {$60000.00}. I have never removed a cent from both accounts since I opened them. I will call the local news channels in my area to help me if I do not hear from Citibank by XX/XX/XXXX because I am out of money and dont know what else to do.

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 2017-07-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I defaulted on a XXXX XXXX credit card in 2013, and the government now garnishes two-thirds of my net military pay. I looked-up the law on wage garnishments, and they 're not suppose to take more than 25 %. I ca n't pay my rent, and I have been forced to apply for SNAP benefits ( food stamps ). When I call the military pay people ( XXXX ), they tell me they can take whatever money they want because it 's a federal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TX
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 received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX Bank in XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX Bank is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2017-07-21
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCC Business Services, INC has failed to validate this alleged debt but has continued to report it to XXXX, XXXX and XXXX. This is a direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
hi, paypal blocked my account without any reason. 
i have balance in my account and i made purchase with my debit card. 
now i received a email that my account was permanent close and my money is hold again for 180 days. 
i never had any dispute or chargeback in my account, and now i cant use this account but i need my money. 

PayPal. ( Id. de XXXX my emaill XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo fails to honor any debit purchases because of illegal identity requirements and blocking Debit card usage! The Pin is NOT enough for Wells Fargo to process a transaction! They wrongly withhold or block my purchases stating they need further verification above and beyond pin to make a purchase! That is incredibly stupid and corrupt! The pin IS WHAT Identifies the cardholder is the account holder! They do this intentionally to illegally freeze funds in an account and improve their asset allocations and standings! They refuse account holders their rights to their own money and force situations into day and week-long struggles that improve their superficial outlook and is really fraud! Wells Fargo Executives are corrupt and design ways to gain from account holder 's assets against their will! They are criminal and you have knowingly let it continue after thousands of reports have been filed against them! The FTC is a BIG part of the problem! YOU need to take action or report to law enforcement agencies that can and will take action against these crooks that call themselves a bank! Get the FBI or whoever you need to arrest these criminal executives and put them behind bars! Millions of Americans are wrongfully, and intentionally led to great loss by this institution, and it is time you held account holders with a greater regard than the corrupt banker! Wells Fargo does not abide by law! It is time to start arresting them like you would a bank robber! The bank is the robber in their situation!

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: 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:
This dispute regards an open collections account on my Transunion credit report - an account that is not mine. I have no records of having a credit card with XXXX XXXX XXXX, the original creditor. In XX/XX/2017, I disputed ( via CFPB ) a closed account noted on my Transunion credit report under " XXXX XXXX XXXX. '' It was removed from my credit report. This particular dispute is in reference to the still open collections account, XXXX XXXX ( for  {$700.00} ). XXXX XXXX XXXX had sold the account to a collection agency, XXXX XXXX, and this information remains on my credit report. Again, I have no records of ever opening or owning the credit card from which this collection sprang. Therefore, the XXXX XXXX collection is 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 explanation
Consumer complaint received 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Went to payoff my Auto loan. Upon making payment I was prompted to take an free Spirit Credit card. Was unable to move to pay-off screen via the mobile app. Finally was able to make payment and received a congratulations splash stating i was approved for a new credit card. Card welcome package sent to my home and account is now noted on BOA 's system. Hav not activated nor did I apply. 

Unable to reach representative vis phone the general curse service number. When calling number on welcome package, i receive a prompt to activate and unable to reach a representative by depressing XXXX or verbally. 

I do not wan the card nor did I apply. I wan to ensure there is no credit inquiry and want the account closed w/ no indication one was open on my credit reports. 

This is a deceptive practice. Interesting that I was never offered a card during any of my auto payments over the last 48 months ... but given one w/out consen during my final payment w/ this company

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: Midwest Recovery Systems
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: Report provided to employer without your written authorization

Complaint:
3 months ago Midwest reported my credit score without my consent and I demand for it to be remove since second party XXXX XXXX XXXX was already aware of the issue I was having and still refused to refund my complete money that was already given to them in the account number # XXXX. My credit was reported unfairly and without my consent and ask for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Affirm Holdings, Inc
State: TX
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:
Affirm has me listed as paying a account in good standing and I would like to know how they paid the account and how they got my information to take out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested XXXX XXXX to be canceled XX/XX/XXXX. I had {$0.00} balance on my account. I moved and kept equipment to possibly reactivate service at new address. Apartment management said no equipment can be attached to the building. It took several months to get the response from apartment management. I was contacted by XXXX XXXX XXXX by mail and phone. We discussed the amount owed and that it is for the equipment I had not returned. I returned all equipment XX/XX/XXXX. I still received statements through USPS requesting I pay the account balance for the equipment. I contacted XXXX several times telling them I had returned all eequipment.I emailed copies of the returned equipment shipment invoice. The charge still wasn't removed from my account. I spoke to several customer service agents and I was told by one agent that the equipment has been received but not entered into my account file. The agent assured me that the account would be updated and the balance would be removed. I received another phone call from XXXX again requesting me to pay the amount due and that it is now because the service was not deactivated as I requested by phone on XX/XX/XXXX. I no longer had service and also the equipment was packaged and still in moving boxes. The problem is now after XXXX received the equipment, the amount said due was now for service apparently not deactivated as I requested on XX/XX/XXXX. XXXX  can access the account to see that the service was not being used. I would not move to a new address without deactivating service knowing I would continue being charged monthly. Please if someone can help resolve this incorrect information as it has affected my credit score significantly. The account was supposed to be closed and I I returned the equipment as requested and the amount due was supposed to be removed and the balance should be {$0.00}. Please respond with any help and or advice regarding this dispute. 
Thank you, 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 2022-06-13
Company: Carter-Young, Inc.
State: GA
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, a federally protected consumer and Im making this follow up complaint against XXXX XXXX in refrence to cfpb complaint # XXXX XXXX XXXX continues to violate my cease and desist that was mailed to them. XXXX XXXX is suppose to cease and communication, indirectly and directly through all mediums. 

If a debt collector agreed to cease communication, they also agreed to cease credit reporting. Communication under the FDCPA means the conveying of information regarding a debt directly or INDIRECTLY to ANY PERSON through ANY MEDIUM. My credit report is a medium. 

XXXX XXXX XXXX XXXX XXXX XXXX stated As requested, we will honor the consumer 's request to cease communication. This communication is from a debt collector. 

But XXXX XXXX is still furnishing this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of XXXX accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.

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 2021-07-24
Company: U.S. BANCORP
State: IL
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's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.

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 2020-04-21
Company: JTM Capital Management, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission XXXX FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation