BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 on or around XXXX My car was broken into. All my personal information and electric devices was stolen my from my car. my social security card Identification card. 
I started to received information when my credit score started to decline. 
I notice different addresses and credit cards also inquiries.

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 2022-07-02
Company: Chime Financial Inc
State: MA
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:
I filed a dispute with Chime over the phone after reporting my card as stolen. I told them my car was broken into and somebody took my wallet with all of my credit/debit cards. I also told them i filed a police report. They said they would investigate the unauthorized purchases after they were no longer pending. I received emails stating Chime has denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In a accordance with the fair credit reporting act XXXX  accounts below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Block, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I logged into my Cash app and was notified my account was closed d/t activity that goes against terms of service. I never did anything that made me think I violated that. I reached out to them via email and was never responded to and tried chatting to no avail. I also called but they wouldn't give me any information as to why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. XXXX, XXXX and XXXX need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail. It will not let me log into XXXX or XXXX to dispute either. Please update my info too match this complaint address of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX XXXX XXXX XXXX when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX  should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXX XXXX, dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX transunion XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX DISCLOSURE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: CO
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:
Upon reviewing my reports, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-07-29
Company: EQUIFAX, INC.
State: CO
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 which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX XX/XX/2017 XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-12-03
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 3rd 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 XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, MA ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/ ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offered a balance transfer from Bank of America and saw there was a 3 % fee to transfer and that I have up to 12 months to pay off the balance. I transferred two card balances but when I called to confirm the terms I asked if I can allocate over payments to my previous high interest balance and they said no - that all of my payments for the next XXXX months have to go to the 0 % balance first! Why would anyone do that?! What a trap - so I am forced to have my previous balance accruing high interest while I pay off a {$0.00} interest loan that I had to pay a transfer fee on? What a scam! They wont let me cancel the transfer now and I am really upset. I would only transfer a balance if I had a {$0.00} balance, but I dont so it is not truly a XXXX interest loan is 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 2022-08-22
Company: AES/PHEAA
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an outstanding student loan with Fedloan Servicing, and all information is wrong and repeated, the same account appears 3 times, Fedloan Servicing, US Department of Education twice. it says the original creditor is XXXX XXXX XXXX. all three have wrong information, and I only had one student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the Identity theft report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. I reported the theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete as soon as possible.

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 2022-09-22
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps contacting me without forwarding proof that the Bill is mine. I have requested additional information on the Account, but they had only sent a Bill. & I am unfamiliar with the Creditor that is on my Credit Report & I have not signed for the Medical Services this Company stated they conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022, I attempted to withdraw my money from Crypto.com and was not permitted. The same day I sent an email to their customer support asking for my money to be withdrawn. Crypto.com replied on XX/XX/2022 that I was under the minimum requirement of {$100.00} to withdraw my money and would not be able to withdraw it until it was above the {$100.00} minimum. Their suggestion was to deposit more money until I had {$100.00} in my account and then I could make a withdraw. 

I replied via email on XX/XX/2022 that I was looking for a solution that did not require putting more money into Crypto.com. They replied that it was the only solution available to me. 

The same day ( XX/XX/2022 ) I asked for the issue to be escalated. Their response on XX/XX/2022 was to advise me to either purchase crypto and then make a withdraw or deposit more money so I can be above the {$100.00} minimum for withdraw. 

Their minimum for depositing money is far less than their {$100.00} withdraw minimum, and I am simply interested in receiving my own money without having to jump through hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Account information incorrect

Complaint:
This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. Equifax, XXXX and XXXX  need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX  complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. Equifax, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit 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:
Dear CFPB, I am writing to file a complaint against Chase Bank for their mishandling of my dispute using various tactics. 

After receiving the item, I believe it does not justify its price. Consequently, I requested the seller to provide a free return label for a refund. However, neither the seller nor XXXX adhered to their promised " Free Return '' policy for after-sales service. Instead, they only provided an address for me to cover the return shipping cost. As a result, I initiated a dispute, seeking my bank 's assistance to take action against this unscrupulous seller and XXXX. 

I applied for the dispute over a month ago, and it was approved. Three weeks ago, I confirmed that it was still pending. However, today, one month later, when I contacted the bank again, they informed me that I need to provide more information. They insisted that I contact the seller to confirm whether the refund was part of the transaction. This is an absurd request, as the bank should know whether a refund is related to the transaction or not, and it should not require me to contact the seller for confirmation. Due to this unacceptable behavior, I have lost trust in Chase Bank, and as a protest, I have deactivated all my Chase bank cards. 

I request the relevant authorities to intervene and supervise this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation