BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
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:
My information was stolen years ago due to that XXXX data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-27
Company: Firstsource Business Process Services, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In an attempt to contact FirstSource Advantage I asked the company for Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not provided to me. I have yet to receive and verification stating that this is my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Comerica
State: NM
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My debit card expired on XX/XX/XXXX of this year. I contacted Direct Express customer service on the XXXX of XXXX. At this time I was informed that a card had been mailed on the XXXX of XXXX. On XX/XX/XXXX, still without a card, I contacted customer service once again. During this call I was issued a second card. On the XXXX of XXXX I contacted customer service yet again. This time wanting to transfer fund to an account I am actually able to access. I was told this can not be done without a card and that the replacement card for the one that expired on the XXXX of XXXX technically isn't late yet as it hasn't been XXXX business days since it was order. 
So, through no fault on my part, I have been unable to access any funds in my Direct Express for the past 22 days and all the customer service people could do for me was to tell me that my replacement card isn't late yet because it hasn't been XXXX business days. 

How is this acceptable? Why is it that Direct Express is allowed to continue to work with the federal government when they have such disregard for the people that are their customers?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not liable for the debt with Midland Credit Managment. I do not have a contract with this credit collection agency. I did not sign any paperwork with this credit collection agency stating that i would pay any balances or owe them any fiduciary responsibly. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland Credit Management has sent my job a garnish wages court order. My job is taking the money out my income and the dob doesnt even match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-26
Company: Netspend Corporation
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I had called net spend earned wage access to gain details regarding the account with my personal information. I had trouble with the representative trying to understand or explain exactly what happened. I did not know of the account 's existence and do know of a reason why it may be opened as other fraudulent situations have happened with accounts of 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 2023-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I had made a deal with a self owned company, XXXX XXXX, through an app called XXXX. It was for a purchase of a XXXX XXXX, under the computer and electronics category. He had the item listed for either shipping or pick-up. For convenience, I had asked him to ship the product and he promised that it would ship to my address within XXXX days. He requested the payment through XXXX and the total was {$1100.00}. His name under XXXX is XXXX XXXX with the phone number, ( XXXX ) XXXX. After I had sent him the money, he told me he would ship the item on Monday since Sunday theres no mail. On XXXX, he messaged me that he had shipped out the item but after that he never responded to my messages. I had researched more about this so called company and have discovered that many have fallen victim to his scams. I do have proof of other people being scammed by the same person. This is now considered a fraudulent transaction. I have learned that banks are suppose to help reverse transactions if it is due to scams and/or frauds as of XXXX. I had made a phone call to my bank on XX/XX/XXXX about this fraud and they did nothing to help me. To my knowledge, banks are now required to help recover finances if proven to be a scam or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
cash app support is unable to carry on a conversation long enough to dispute these charges, ive gone through their system, more than XXXX times and they are unwilling to complete the task.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Grain Technology, Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Basically a few years ago I opened an account with Grain using their app which is only on XXXX they have been promising for years that it would be on XXXX  too but never happened. Once I no longer had an XXXX it became next to impossible to make a payment on time. They would notify me of a payment but I have reach out to them on their website because theres no phone number listed to call to make a payment and then they would always send a link for me to make a XXXX time payment after my due date so I was always late once I couldnt use their app to make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
According to my credit card issuer, " With Chase 's Zero Liability Protection you wont be held responsible for unauthorized charges made with your card or account information. '' I noticed unauthorized charges on my credit card while XXXX  on a family vacation in XXXX this summer : Post Date Merchant Name XXXX  Amount XX/XX/2022 XXXX XXXX XXXX {$4200.00} XX/XX/2022 XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from whom we had a prepaid rental car. This car was paid in full with a different credit card, a transaction that took place on XX/XX/2022 via XXXX. 
I did not authorize these additional charges with this vendor. 
I did not sign the credit card receipts. 
I was not aware the vendor would be making these charges on my credit card. 
I notified Chase of these suspicious charges via the online messaging service as soon as I noticed them listed in the recent billing activity of my online statement. 
I spoke with the merchant at XXXX XXXX XXXX in person and demanded the charges be returned as they were not authorized. 
He did not. 
I then formerly disputed the charges with Chase, after the merchant refused to refund them, and spent, in the end, months dealing with them trying to get them refunded. 
And, yet, I am still being held responsible for these charges when I did not authorize them. In the dispute, the vendor submitted altered documents that I did not sign, nor ever see. He forged my signature on credit card receipts. 
I've had this Chase Visa credit card for decades and have never had a late payment.

I have an excellent credit score.

I have never filed a credit card dispute in the past, as I'm lucky to have never been a victim of fraud before, that I'm aware of. 
In turn, I do not feel supported by my credit card company and don't understand why, nor can I accept that, I am being held responsible for these 2 unauthorized charges. They claim this was not a billing error and these are valid charges made by a merchant who, upon online investigation, has a history of doing this and is a scam XXXX. Chase Cardmember Services wrote in their last letter to me they " will not respond to future correspondence [ from me ] about it. '' I would like these two charges refunded as these fraudulent transactions are not valid. 
And I would like everyone to know to NEVER do business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First and foremost, I have no inclination as to who this company is and/or who they are attempting to collect for. I have not received any notifications via US mail regarding any debt I'm behind on, and can verify I'm not behind on any debts I have. This company will need to reach out via US mail, as my address has been the same since 2014, in order to verify who they are, what the debt is for, amount owed, and the date of original default. TrueAccord is the company in question. 

They've texted me repeatedly and I've responded 'STOP ' on multiple occasions. Unfortunately, they continue to text.

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 2023-11-27
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Approximately XXXX of 2023 my identity was stolen and many email accounts and financial accounts became compromised. 2 of such accounts were with Cash App. I immediately reported the issue to cash app in XXXX of 2023. On Tuesday, XX/XX/2023 at XXXXXXXX XXXX I received an email from Cash telling me the " investigation is complete. Based on the information you provided, we determined that your Cash App account was compromised and have secured your account for you. '' Naively, I believed a cash app representative that told me on the phone that the money sent from my Cash Balance during the dates my account was hijacked would be returned to my account. However, that did not happen. XX/XX/2023 I formally submitted via email a dispute of all monies sent from my Cash Balance from XXXX XXXX XXXX, 2023 for one of the accounts. The other account that was compromised had only XXXX purchases that I have been told there is NO WAY POSSIBLE to recoup that approx. {$12000.00} stolen via XXXX. There was a substantial amount of money totaling over {$20000.00} that came into my other account that was for my daughter and I to obtain housing and necessities to live. I was told via email that they investigation would again take another 10 days. Within a few hours after submitting my claim my Cash account was CLOSED, and suddenly I start getting the run around about the monetary claim. I was given a different case number but could not get an explanation for why there were XXXX different claim numbers unnecessarily. I was denied a provisional credit even after the 10 days that is stated to be available on the Cash app monthly statement. I have not been given a reason why any of my claims have been denied, and any questions via email or support chat that I ask are ALWAYS answered with an automated response that generally doesn't even answer my question. I have asked repeatedly for help with this matter via email, phone calls and support chat but only get tossed to the side and told they have given me all information available and they disconnect the call or chat or stop responding via email. I just want the money sent out of MY account to be returned. Due to all of this my child and I lost our house the day before XXXX because every bit of money I had was in my Cash accounts that were hacked and my money stolen by someone else. The device used to send the money was not my device. My device is a XXXX XXXX XXXX. Period. I have only lived and accessed Cash app from my home town of XXXX, Oklahoma. I have not traveled outside of this city in a very long time due to medical issues. Please help me get my money back, so my daughter and I can have a safe place to live again before XXXX. I will be attaching all the charges and correspondence via email that I am allowed. Thank you in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had a checking account with Capital One for several years. I have used their XXXX XXXX service without an issue until this past XXXX and XXXX. 

This past XXXX I noticed that my gas bill had not been credited for the XXXX and XXXX payments ( {$110.00} and & XXXX ) although Capital One had debited my account. 

I called Capital One to find out what had happened to the gas company payments. They had assured me the payments were made electronically. 

I then called the Department of Public Utilities ( DPU ) who claims they have never received electronic payments from Capital One or their processor XXXX. They received paper checks and if I can provide the front and back of those checks the issue would be resolved. 

Capital One continues to send a report but no copies of the check. 

I need someone to help me get to the bottom of this. I feel that I had contacted with Capital One to make these payments and PROVE THEY WHERE RECEIVED.

Company response to consumer: Closed with explanation