BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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:
My name is XXXX XXXX, and I am a customer of JP Morgan Chase Bank, as I have held the Chase United MileagePlus Awards credit card ending XXXX since XXXX. 

On XX/XX/XXXX, I fell victim to a scam wherein I was misled into believing that a dearest friend wanted me to send two XXXX gift cards for her in the amount of {$250.00} each, then to email her the photo of the back of each card with their numbers for her nieces birthday that day. I bought the cards ( totaling {$500.00} ) at XXXX using my Chase United MileagePlus Awards credit card. 

Since it turned out a hacker took over my friends email account, leading me into believing it was my friend requesting these gift cards, and I emailed back the numbers, the hacker was able to steal the XXXX money. Ive been the victim of fraud and am also concerned that I maybe the victim of Identity Theft. 

Below, please see evidence for the Police Report filed by my friend XXXX XXXX XXXX on XX/XX/XXXX ; also, of her XX/XX/XXXX Report to the FTC. 

It is my request that JP Morgan Chase Bank investigate this matter and consider this my formal dispute regarding the {$500.00} loss. Please respond with your investigation results to me in writing only within 30 days of receipt of this certified letter. 

I am requesting that the CFPB please investiage this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit 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
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Resurgent Capital Services L.P.
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:
I have previously disputed, and successfully had XXXX XXXX XXXX XXXX removed from all 3 credit reporting agencies due to fraud. These items were previously disputed to the CFPB and removed by XXXX, XXXX, & XXXX as I was a victim of identity theft- and this was one of the many account that fell victim. The debts have been removed since 2019 on my credit report. XXXX has since sold the deb to LVNV FUNDING LLC -- and they have reported this debt to XXXX again. CFPB and XXXX both deemed the account to be fraudulent -- and now the collections company is trying to collect on a debt that they have ben informed is fraudulent. When LVNV FUNDING LLC called me I informed them, let them know of the police report, identity theft affidavit, and also the removal from my report. The decided to still report a collection account to my credit. Please remove this collection account from my report -- as it has already been proven fraudulent and XXXX XXXX XXXX XXXX should not be allowed to sell fraudulent debt. Also please instruct the the collection company to cease reporting and collection immediately. I have attached the original police report. The original identity theft affidavit, as well as the XXXX report showing the deletion of XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Progrexion Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I signed up for Credit Repair.com in XXXX of 2021 - my billing cycle renews on the XXXX of the month. 

Today, the XXXX I called wanting to cancel The guy of course tried to keep me on board and I told him I wanted to cancel ( XXXX was his name ) Then he told me that after the final invoice that bills on the XXXX is received they will cancel - they are trying to get another month out of me. 

I told him that this was incorrect and that I would report them to you guys. 

They intend to process payment tomorrow which I will have my bank deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries are causing an immense hardship on my life. Per the FDCPA, FCRA, TILA and 18 USC 2265. 
An account needs to be established with full faith and credit or deleted off my consumer report. I do not authorized in use of my credit without there being a benefit to my person.

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 2022-09-28
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:
Experian has basically no security. 

My identity was stolen ( name, XXXX, XXXX, etc... ) and this person is allowed to call in to Experian and change my information, unfreeze my credit, and get info from them without any two-factor authentication or checks that it's really me. 

They could change my password or my username, locking me out of my own account. They're unfreezing my credit or changing my address at least twice a day while also using my SSN to open accounts at retail locations in order to purchase high-dollar items. 

I don't know what to do and it seems like the credit bureaus have no oversight, security, or reason to help me. 

Please help me. Whoever stole my identity knows what they're doing and nobody is taking any action

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 2022-09-28
Company: Experian Information Solutions 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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: Parkway Financial Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan transferred from Inspire Home Loans to XXXXXXXX XXXX in XXXX, XXXX However, not all of the funds in my Escrow made it to the second servicer during this transfer process. 

The second servicer, XXXX, claims that the first servicer, Inspire, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end XXXX statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. Inspire claims they sent $ XXXX to XXXX. And XXXX claims they received only $ XXXX. 

Lost {$6000.00} in Escrow with neither parties willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
My son fell ill, couldnt pay bills, so I consolidated them through freedom debt LLC, in XX/XX/2019. As a couple months went by I noticed they were not paying anything and my credit declined even more. I canceled thinking that I would get my money back thats in the program and they would not give it back. This is months later. I didnt realize that it was fraud until another credit repair company told me that what they did is fraud and Not ok in California. I lost a more then {$3800.00}. 

I want my money back. When talking to a lady the other day she gave me the consumers finance information and I literally wanted to cry because that company was supposed to help me ... not take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Reporting company used your report improperly

Complaint:
Improper use of credit reporting. No evidence have been shown. Incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
SERIOUSLY DELINQUENT STATEMENT ON REPORT BY 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 2022-09-28
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
3. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Friday XX/XX/22, I woke up to check my bank balance as I get direct deposit and had many bills to pay. I saw that Cash App, a money service app that I use to send money back and forth with my daughter, initiated two transactions from account, one for {$10.00} and one for {$1000.00}, a total of {$1000.00}. My phone was also being spammed by a Cash App pop up that I could not stop. After looking online, I found that it could be because of the NFC feature on my phone. I checked it and it was on, so I turned it off. I never use this feature and have never had something like this happen to me. I turned it off and the Cash App pop ups stopped. I found that the money that had been taken out of my account was in my Cash App balance. I had to initiate a payout of these funds back into my own bank account, the same account it was taken from. I had to choose the expedited option which charged a {$17.00} fee to put the money back into my account. I did not have the ability to wait until Tuesday for the standard payout option which would not have charged a fee as I had several bills due that day. I notified Cash App that same day of what had happened and that I did not initiate or authorize these transactions and requested a refund of that fee. Because I did not initiate the transactions to begin with, I feel that my request for the refund of that fee was reasonable. I would not have had that fee had these transactions not taken place. To be clear, I had no automatic load feature turned on, and there was nobody that had my password or authorization to make transactions out of my bank account or Cash App account. I have been dealing with this issue with Cash App for 5 days as of today. Today they closed their " investigation '' stating that I had to have done it or let someone do it, so there was no error and they weren't refunding that fee. Yes, I was very upset and used inappropriate language. They said they were closing the claim and I could open a new one if I had more information. They provided a phone number to call. I called and spoke to someone by phone who also ultimately said that since I chose the expedited payout and agreed to the fee, they would not refund the fee. I continued to tell them that I did not authorize the transactions in the first place and I had no choice but to use that option. I do not believe this is fair or appropriate. I woke up to all of money being taken out of my account by Cash App without my knowledge or consent, and I do not believe that their response is appropriate. It's no longer JUST about getting that fee refunded. It's about the unethical practices that I believe Cash App took, and their lacking " support '' in this situation. I have screenshots of my entire conversation as well as of the transactions. While I do want that fee refunded, I want Cash App to be held accountable for this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-09
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Sorry, I don't have exact dates because I didn't think that this would become a problem. Last fall I contacted PayPal by phone because I couldn't close my account online. Their website would not let. me. The person I spoke to told me what I should do, and I did that and waited. After a few weeks of no contact, I called again. This person told me to do something else to do ( submit a debit card ). Which I did. Weeks later I called a third time to find out what was happening, and was told something else to do. Which lastly, did not work either. I go to the website to try to have them send my my money and close my account, but even with numerous updates. The website still doesn't work for me and there is no one to contact, except foreign operators that have no authority to help. My account still has {$320.00} remaining in it and all I want to do is to close my account with them and have them send me my money. I just don't use their services anymore. They have sent me money many times in the past when I requested it. I literally can't figure out what their website problem is and no one on the phone can help me. 

Name ; XXXX XXXX XXXX ; XXXX ( or ... pm.me ) Address ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ; XXXX, home, can call anytime ( must be human, not XXXX )

Company response to consumer: Closed with explanation