BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: ENCORE CAPITAL GROUP INC.
State: AK
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 was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX  XXXX  data this account is not mine XXXX XXXX Acct # XXXX {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: TN
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:
15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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: Old information reappears or never goes away

Complaint:
Filed numerous disputes over and over again wrong information also a vitcim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Global Client Solutions ( company who processed my automatic payment transactions for a debt relief ) has automatically withdrawn an add'l payment from my checking account I did not authorize ( nor was I notified ) after my debt was confirmed settled with XXXX XXXX XXXX. I have graduated from the XXXX XXXX XXXX program back in XXXX in which the company, Global Client Solutions has been handling the transactions with autopayments through my checking account. I was told by XXXX XXXX XXXX in XXXX that I graduated from the program and actually received a refund from GCS for overpayment in XXXX for a little over {$100.00}. There were no addl fees in XXXX and there is now a new transaction of {$120.00} was not expected and pending on my bank account today. I had no alerts or notifications from either these companies thus far and I was not anticipating the transaction nor was I told I had to cancel my account with GCS EVER. This is clearly a mistake as I have not had any transactions posted for XXXX payments since XX/XX/2020. I now have to stop into a bank branch today to dispute and to put a block on the payment. I would expect that XXXX XXXX XXXX and/or Global Client Solutions should pay for any overdraft fees or that XXXX can either stop the payment right away or waive the overdraft fees if I can not stop this in time. I also have a XXXX XXXX mortgage payment that should post today on this same account, potentially causing my mortgage payment to be late. I have NEVER received any notification that there would be any additional charges and have proof of my graduation from the debt relief company and can provide a compete list of transactions, dates as well as the refund I received for the overpayment at the end of my program when it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I have cancelled my membership with Experian in XX/XX/XXXX. They suggested me to switch to basic membership for free and I accepted. Today, XX/XX/XXXX, I learnt that Experian has charged me for XXXX  dollars each month since XX/XX/XXXX. This is the fee that anybody should pay for keeping premium membership. I called them on XXXX. I firstly chose option of " Cancel '' on automatic service and got an answer of " you have basic membership for free '', which is correct but contradicted to their monthly charge. Afterwards I called them again using the same number and after 2 hours somebody answered. She told me they have had some technical problems and she is able to return only the last charge as a courtesy while I have been charged for 10 months totally about 270 dollars! She connected me to her supervisor and she offered me the same payment ( returning only the last charge ). After my telephone call they changed my membership history so that it does not show anymore that I had cancelled my membership inXX/XX/XXXX ( I learnt this when I checked my membership status online again after my telephone call ). I left a public post on their XXXX page but they removed and transferred it to private message box and replied me with some general statements ( please see attached ). I am a XXXX  of XXXX  and this money is a lot for me and it should be returned to me. This issue has not occurred because of my fault and I emphasized again it must be returned to me. I need your assistance to help me in this regard. My customer number is 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 monetary relief
Consumer complaint received 2022-09-26
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I received payment XX/XX/2022 in the amount of {$300.00}. Square all across the internet promoting & advertising " Instant Transfer '' which is a deceptive act form of advertising. Today, XX/XX/2022, I've been waiting 5 whole business days to access my funds. I've encountered arguementive, unprofessional, rude Square customer service Reps since XX/XX/2022 trying to access my funds.Phone conversations from the above dates really need to be pulled from the above dates listed. Today, after finally realizing that Square isn't socially responsible and continuous waiting, I requested my refund of {$300.00} back to card ending XXXX. Now Square sent me a email of holding my funds " hostage '' again for 7 extra days. Why is Square allowed to tack on extra fees, false advertise, be rude to consumers and it's taking me, so far three complaints? Its bad enough the world is dealing with inflation, and now this. Very unfair to consumers, on all levels

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. 
They are reporting incorrectly on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a fraud issue and had a copy of my credit report pulled. After review mistakes were found. Please note under 15 USC 1681b, I never had a communication with USAA credit card company and had never gave permission placing disclosing on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX has violated my rights.

15 U.S.C 1681 Sec. 602 A. States : I have the right to privacy. 

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any 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 ) States : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Over the past few months, I have called Chase TWICE and requested they cease mailing me convenience checks. At the end of both calls, the agent CONFIRMED I would not receive the checks any more. Last week I received more checks and then today I received more! Im so frustrated. I dont want anyone to have an opportunity to steal and use these checks so I do NOT want to receive them. Please help me get my message across to Chase. 
Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX, XXXX  I received a letter in the mail from Capital One and the contents of the letter were a quicksilver credit card with my name and address. I prior to receiving the letter I did not seek any information about Capital One or in regards to opening account with them. I tried to see if I was able to log into the account to see if I could find out any information about the account ; I tried to long in by forgetting user name and it sent me to the option of sending a code to a email or number and the email and ending of the numbers did not match my current phone number. I called Capital One and explained the information as stated above in regards to not opening the account or credit card, and the stated they will begin an investigation. They as well recommend to make a report with the Consumer Financial Protection Bureau, and a police report to help my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Denying my request without offering factual determinations or providing clear and valid reasons for the denial questions the authority of the bureau to make such decisions without conducting a proper and thorough investigation. The removal of the fraudulent accounts by other bureaus is a clear indication that the allegations of fraud are substantiated. It is perplexing why TransUnion seems to be ignoring my legitimate requests, undermining the credibility of the bureau in the process. What is particularly confounding is that other credit bureaus have acknowledged the fraudulent nature of the accounts and have promptly removed them from my credit report. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 

I demand an immediate and comprehensive review of my dispute. The denial of my request without a proper investigation is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I expect TransUnion to rectify this situation promptly. I insist that Transunion provides a detailed and fact-based explanation for the denial of my request, including the specific reasons for rejecting the removal of the fraudulent accounts. Failure to comply with this demand will force me to escalate this matter to regulatory authorities and seek legal recourse.

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 2022-12-07
Company: BARCLAYS BANK DELAWARE
State: NM
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:
XXXX XXXX XXXX ( " Brokers '' ), and XXXX XXXX XXXX XXXX, ( " Carriers '' ), failed to deliver all my items as promised within 30 business days. I disputed a {$750.00} credit card charge against Brokers for breach of contract and loss of property.. When Carriers finally arrived with my property on XX/XX/2022, Complainant paid carrier remaining {$800.00} balance, plus gave Carriers a {$750.00} money order payable to Brokers as replacement and settlement for the disputed credit card charge, otherwise Carriers and Brokers would hold my property hostage in a storage facility until I paid remaining balance. The Broker received and deposited the {$750.00} money order plus another {$750.00} from the credit card charge because Broker refused to notify credit card institution that they received full payment and the disputed charge was reversed. The Broker willfully and knowingly is double-dipping, receiving {$1500.00} when they are only entitled to {$750.00}.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed 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

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 2022-09-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have 3 Citi credit cards : Citi Doublecash ( member since XXXX ), Citi Diamond Preferred ( member since XXXX ) and Citi Rewards ( member since XXXX ). 
This past XX/XX/XXXX, I was emailed a letter which I did not really pay attention to regarding my balances for Citi Double Cash and Citi Rewards. I have always been a great standing member and just recently Citi began providing my credit score to me as well. I have always received special offers and credit increases in the years i have been a member. In the past almost 2 years, I have purchased a home and a car ( major purchases ) affecting my credit which has taken a dip but mainly due to inquiries and adjusting for these purchases. Never has this affected my ability to pay my bills and I kept my balance at about 25 % of my total credit limit so well within my utilization. In XX/XX/XXXX, Citi reduced my credit limit with no reason except for my XXXX XXXX from {$7500.00} to {$1700.00} on my Doublecash Card ( balance : {$1700.00} ) and from {$6500.00} to {$2500.00} on my Reward card ( balance : {$1800.00} ). I called multiple times, spending about an hour plus on a phone call each time. On my final attempt, I was finally able to reach a supervisor. Each time I called, I would get hung up on while the transfer was occurring and this would happen after spending at least 45 minutes ( min ) on a call- very frustrating. No one would ever state a reason to me before reaching a supervisor and told me repeatedly, they could not understand why this had occurred. Finally, about 2 weeks ago, I was able to reach a supervisor, and they told me it was because of my credit score. Citi, upon its own random doing, took it upon itself to reduce my credit by thousands of dollar, for no real reason, damaging my credit score even further. Can you imagine if every credit company decided to do this to it's customers with no good reason? How damaging this is to the credit I've established? I want NOTHING more to do with Citi- they are discriminating. What exactly is their criteria for randomly making these so called " credit checks '' - I'd like to know. I consider this complete discrimination on the company 's part and how reckless of them to hurt their consumer 's credit instead of assuring they help. This is very damaging and I NEVER want to do business with them again.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never missed a payment on this loan, but it says that I am missing XXXX payments, which if its set up on auto payments at the time. I would like this removed from my credit report.

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 2022-07-29
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$800.00} through Remitly on XX/XX/XXXX and they hold the money for no reason they didnt explain what happened, they just ask for a picture of my license the same night I submitted it, then I been waiting for them to release the money I been calling they sent and XXXX to a bank and said it was going to take up to 5 hours to fix the problem and they would let me know what then CEO from the bank said before anything I was at work I been waiting on a call or XXXX whiche they never did I been calling them and they just put me on hold and dont give me any answers like its not the first time I send money through it I do it like every week and why would be acting up now? They literally hang up on me like am not paying for them to have the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My XXXX XXXX loan servicer is EdFinancial. The company 's online system will not allow me to make payments on specific loans. The system supposedly has the ability for me to make online payments toward specific loans, but an error in their software prevents payments from being processed. I have written XXXX email complaints to the company and XXXX to the Department of Education seeking resolution to the issue through both entity 's designated contact/complaint processes. All of my emails have been completely ignored by both EdFinancial and the Department of Education. Meanwhile, interest on my loans accrues daily. I would like to make a payment. My loan " servicer '' is making that impossible.

Company response to consumer: In progress
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent TransUnion a letter stating that an account that's reporting to their agency was not my account and that the account should be removed because the account was opened due to identity theft. TransUnion has not removed the account. TransUnion has violated the Fair Credit Reporting Act and the Fair And Accurate Credit Transactions Act of 2003 Account reporting : XXXX Acct # 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