BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I checked my bank account and I realized that this company XXXX XXXX, Ca were taking money from my account in the months of XXXX and XXXX. maybe XXXX or three transactions a day. So I filed a claim with my bank to retrieve my money, but by me looking at my account and noticing these unauthorized transactions two months later the claim was over 60 days date of statement starting in XXXX so my bank is not responsible for those unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: OH
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:
A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and Experian. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX  XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

Experian did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX  and XXXX  are pending.

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 2015-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX, XXXX XXXX CO, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT YO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
try this email address XXXXXXXXXXXX approx, how many times have you been at a restaurant? or any other situation where aomeone other then yourself had access to your credit card could hypothetically written all your info or ordered something via the phone, where someone has access to all your info regarding credit care and address info? why is it when you go to a restaurant to eat, the restaurant keeps a copy of your signed receipt? what is the point of a debit card being so? 
do you know when you call american express, when youre on hold, the computer generated voice goes, as a amex card holder, you are not responsible for any charged that you have on your bill.for what seems like six months american express isnt holding up to their part of the deal. i am sending the original letters to amex ceo and copies to president obama and you guys. who is " XXXX '' in salt lake ut ... they wrote with a lettetheas of american express global banking ref : XXXX basically their is no signature, theur is no debit card number password. 
XXXX just charges and got no signature or no verification wheres the ip address? 
but neither i nor the other card holder authorized this charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
These people claim that I took out a loan with them sometime late last year, but I did hear anything from this company till around XXXX of this year. From what I know, this loan company only has my home address & our phone numbers, nothing else. They have no signatures or my social security number that I know of! They have harassed me by calling my phone numerous times a day. They some how got my wife 's number and now call her several times a day too! I do believe they have been gathering info off my XXXX. They have came by my home and have beated on my door numerous times. I have asked them to stop over and over. They have harassed some of family members. I am assuming they found on XXXX as well because they have also harassed some of my friends too! Now, that I threaten to turn them in for harassment if they do n't stop, they now are dropping notes off at all my neighbors homes and in my XXXX mail box, which I thought was federal offense.. This is rediculous that a company can get away with this type of threatening behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: JPMORGAN CHASE & CO.
State: MO
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:
Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXXGa, XXXX XXXX XXXX  8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX  XXXX XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX - XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims.

Thank you for your prompt assistance with this matter.

Sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Approved for a XXXX with Wells Fargo Bank and now had to firer contractor due to not completing the work in a timely manner. Then told that new contractor that wanted to use is not being validated. Please review there process of identifying qualifying contractors and making you pay for contractor work that is not inspected by them or county departments. I 'm now paying a mortgage and not in the home. This hurts home owners and the mortgage industy. 

Thanks,

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 2022-06-05
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Square debit card in the mail that I did not request. I do not know how the account got opened. It was sent to my home address in my name. The issuing bank is XXXX XXXX, the company is Square Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: CITIBANK, N.A.
State: FL
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 canceled my flight on XXXX XXXX XXXX # XXXX due to covid.Canceled on XXXX website and received flight credits in the amount of {$720.00} for me and {$720.00} for my wife.Now I tried to book another flight to XXXX In XXXX on XXXX XXXX but it would not let me. First I need to change from Basic economy to regular economy to use flight credits ( extra charge )! Next I have to call in to XXXX to book flight.So I did and spoke to a XXXX XXXX and told him the date, time, flight numbers that I wanted.He finds the exact flights, dates and times to XXXX -but he tells me its more than what's on XXXX XXXX! He spoke to his manager but they won't match prices on their own website! I disputed it with Citi XXXX but lost dispute. Because they did not received additional paper docs from me but I sent the same docs the first time around.Flight credit is so unfair! If it was cash I could have booked a cheaper flight. 
I think this is price gouging! From XXXX XXXX and XXXX and Citi XXXX for not crediting the difference like I request.

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 2021-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: GA
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:
Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.

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 2022-06-05
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sue my Citibank for {$2000.00} XXXX XXXX dollars credit card I have with XXXX XXXX on XX/XX/2022. According to XXXX company citi bank hired them to sue me, lawsuit. XXXX couldnt prove the dates they contacted me, when ask why couldnt you call me and let me know, they reply we send u a letter. I never received a letter. Its was almost XXXX someone knocked on my brothers door to deliver a summons for me. Since my brother notify me, I have had serve XXXX, XXXX  and I cant sleep. I am a single mom trying to stay afloat in this horrible times. I have no message from Citibank or XXXX prior to this letter. I have made payments on this credit card but not able to keep up with the demand of rent and childcare. I have to appear in court on XX/XX/XXXX which now I have to miss work. I leave in fear now because I am worried what will happen to my child if I am not able to pay on court date. I am not able to afford an attorney to represent me. I am so scared. Citibank shame on you {$2000.00}, a single mom trying to make ends meet, my heart hurts for my son. I do not know where else to turn. XXXX XXXX and thanks Citibank my records are now published on the public website and I am being harassed by others.

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 2016-03-29
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I lost my wallet on XXXX/XXXX/2016 and called Bluebird by American Express. They stated that XXXX ( XXXX ) charges had been made using the card for {$300.00}, XXXX and XXXX. Once the transactions posted on XXXX/XXXX/2016 I called back to dispute the charges. I filled out and submitted the dispute form on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they informed me via email that they had concluded the investigation and I was due no money back for the {$300.00} & XXXX. At this time I contacted BlueBird as it stated at the bottom of the mail. After an hour, a Supervisor told me that they could not tell me how they determine the outcome or what information they had. I was told the information was " proprietary '' and " confidential '', I was also told that the people who make these decisions " have no phones '' and there was " no way to contact them ''. On XXXX/XXXX/2016 I was told that they had finished the investigation on the {$500.00} and again I was owed no money. Again the email from the bank stated to call them for the documentation they used to make the decision and again I was told that I was not allowed to see the information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX has fraudulent accounts on my credit profile that need to be removed 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 non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: MI
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:
RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letters sent to : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ` XXXX XXXX XXXX XXXX Account # XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge your company to take this extremely seriously as I have documented my case without error. I encourage a response from your company expeditiously

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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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've tried contacting Transunion and XXXX about these unauthorized inquiries on my credit report, but have been unsuccessful. Attached are inquiries on my credit report I did not authorize and would like them removed.

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 2016-09-21
Company: Comerica
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
there was a gentleman unknown too me that used my credit card to pay his Georgia power bill acct # XXXX on 3 different occasions. The first transaction was on XX/XX/XXXX {$140.00} the second was on XX/XX/XXXX {$250.00} and XXXX more transactions on XX/XX/XXXX {$320.00} XX/XX/XXXX XXXX. I filed these transaction with my bank and they closed the case because someone did a balance inquiry check and they say they are unable to determine if fraud occured. I informed them that I did n't check my balance so It had to be the person that payed there bills with my card. they asked me to send in further documentation so I sent the a Power bill that I got from the landlord that was for the same amount and date which was on my credit card statement and the account name they still did not reopen my case so thet gave me the option to speak with the merchant directly so I have spoken to the merchant in regard to these transaction and was informed that they would credit the charges back to my account if I can give the full XXXX digit card number that was used to make the transactions I indeed gave them the card number and was told the transaction was in process of being reversed. I called to follow up the next day to see if the charges was reversed and someone told me that they ca n't reverse the charges because they are fraudulent and they told me that XXXX was misinformed to reverse the charges. they told me I have to contact my bank. So I informed to them that I do n't have a bank and the card that was used is a prepaid card. I gave them the dates, amounts and the whole XXXX digit card number in order for them to look up the charges they found them and I was told they would be credited back to my account by customer service Rep XXXX ID EXTENSION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Monday, XXXX XXXX, 2016 I am not agreeing to pay for errors made by Wells Fargo in setting XXXX sale dates for my property which when challenged led to the withdrawal of those sale dates. 

Wells Fargo has had to withdraw these XXXX sale dates placed on my property because they were in error when the dates were set and because they have mismanaged the servicing of my loan and my request for mortgage assistance. As the lender is well aware, they had to withdraw sale dates set for XXXX XXXX, XXXX XXXX and XXXX XXXX, 2016. 

I do not expect nor will I accept the costs associated with these XXXX sale dates to be added to my loan. I am disputing any charges for these XXXX withdrawn sale dates and expect Wells Fargo to confirm here that no charges will be made to my account for this purpose. 

XXXX WITHDRAWN SALE DATES A TIMELINE OF COSTLY DELAYS & MISMANAGEMENT In spite of the fact that XXXX XXXX XXXX XXXX XXXX ( XXXX ) had already pushed back a XXXX XXXX, 2016 sale date due to servicing errors and received written confirmation dated XXXX XXXX from Wells Fargo that I had until XXXX XXXX to provide documents according to a checklist they provided, Wells Fargo still set another sale date for XXXX XXXX, 2016. 

When XXXX challenged the lender 's basis for setting a third sale date, Wells Fargo withdrew the XXXX XXXX sale date. 

In. XXXX XXXX letter, XXXX XXXX XXXX states that no sale date was in effect when in fact her office had set a sale date for XXXX XXXX. On XXXX XXXX, she stated that only XXXX document was needed to complete my loss mitigation package and that document was provided to her during the call with XXXX XXXX XXXX, XXXX. of XXXX. XXXX challenged the XXXX XXXX sale date and it was also cancelled. 

On XXXX XXXX, I wrote Wells to follow up on my request for mortgage assistance. XXXX XXXX XXXX called me soon after to tell me a sale date had been set and that he was escalating inquiries about my application. Subsequently, the XXXX XXXX sale date was withdrawn.

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