BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have filed a dispute with XXXX, and XXXX on multiple occasions and they have not been able to successfully verify this debt. My wallet was stolen and this card was used leaving me with a balance {$2300.00} it has now been charged off as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My home address and employment is wrong my home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: SYNCHRONY FINANCIAL
State: NY
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:
I have an unrecognized charge on my PayPal Credit account. It appears to be related to XXXX gift cards. I have made no such purchase of any XXXX gift cards at all or any XXXX services in this amount. I filed a dispute with PayPal. They denied my claim without telling me what exactly the item is, they are basing the decision by an algorithm apparently. Here is the info of the item : Here are the details of the one or more activities you didn't recognize on your account : * Gift address added * Gift address added Here are the details of the one or more transactions you didn't recognize or had issues with : * Transaction ID : XXXX * Transaction amount : {$54.00} USD * Recipient email : 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 monetary relief
Consumer complaint received 2022-11-10
Company: Genesis FS Card Services, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
For the past 3 weeks, starting on XX/XX/2022. I have been trying to close my indigo credit card issued by GENESISfs CARD SERVICES. I had to call numerous times and everytime I called, someone would tell me : " we just closed your account '' So what about all the previous times I called and they told me they closed it. I let a couple weeks go by thinking that perhaps I just have to wait and give it sometime for them to close the account. Even though, online, my account still shows active and ready to go. Yesterday, I received in the mail a letter from them saying that I was dead, and that they wanted to death certificate for them to close my account. 

1. I have a XXXX balance on the account 2. Im not dead. 
XXXX. And all I'm requesting is for the to close this account. 

Why are they making so difficult for them to close an account? 

i have attached copies of the letter I received from them and the letter I sent back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  account was charging money that is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am getting threatening phone calls saying they're going to garnish my wages calling from an attorney 's office and that they were going to threaten the payday loan to court the phone number that they're calling me on is XXXX they called me XX/XX/XXXX around XXXX p.m. I told the representative that that loan was not taken out recently it was taken out many many years ago so it should have already been taken care of and off my credit I did advise the representative that all calls were going to be recorded and she advised me that I'm not recording the phone call I have asked them before to stop calling me and they still are threatening me with this They are saying it is from The Cash store

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: IL
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX ACCNT # XXXX 30 days late on XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I submitted an online payment for the power services ( around XXXX ET ). The same day at XXXX ET was contacted by phone by scammers that affirmed that my payment submission was declined and i needed to submit payment on the phone to avoid suspension of the power services within the next hour. They tried to make me submit a second payment from the original account I used to submit the payment using XXXX as the method of payment. The type of bank account did not support XXXX and I was forced to use my personal checking account from Citibank thad did have the XXXX service enabled. 
They made me submit 2 payments via XXXX  with the information below XXXX using the XXXX  number XXXX and XXXX with XXXX  number XXXX. 
Once I realized it was a scam, the individuals hung up and never answered the phone ( they used a fake caller id number ). 
I contacted Citibank and XXXX XXXXXXXX XXXX XXXXXXXX, submitted a report with both institutions. XXXX has not reached out, but Citibank opened an investigation under XXXX. I can not open a claim directly with XXXX since I get their service from Citibank. I gave Citibank the phone number/account information used in the XXXX  platform hoping that they would retrieve the funds and refund me. Today, 10 days after, I have received a letter from Citibank declining my refund request and asking me to contact the scammers directly. I do not have a way to contact the scammers but they do have a way to force XXXX to track the users behind the 2 numbers provided to prosecute and force them to return the funds to my account. XXXX will not take my claim directly, since Citibank is the intermediary between me and them. 
I have been a citibank customer with this same account for over 22 years.

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 2022-12-11
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, someone had used my card with my pin at a local casino close to my house. It was a charge for {$1500.00}. I know for a fact that I had my card on me at the time of the charge. And I never share my PIN number with anyone. So how someone managed to do this completely baffles me. I filed a dispute with my bank, JP Morgan Chase. Not 24 hours after filing the dispute, they denied my request and have charged me the full amount. This was in no way, shape, or form my doing. And its not fair that the bank can take what little money I do have because I cant explain how some scammer cloned my card and hacked my pin. Id really just love for them to respect my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: VA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate this false charge off it does not belong to me XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 2. Validate this false charge off it does not belong to me XXXX Account XXXX : XXXX As a consumer by law this must be deleted immediately 3. Validate this false charge off it does not belong to me XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: LEXISNEXIS
State: DE
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:
On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by XXXX or XXXX credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 15 U.S.C 1681-2 ( 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 informations inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom this may concern, I, XXXX XXXX, have encountered a great big mess of issues with chime or XXXX XXXX XXXX. As I started to log in to my account it then rejected me and said my account was closed. Although, I did all the necessary steps to find out why, the company could not give me a reason as to why my account had been closed. Also, my XXXX XXXX XXXX check was deposited this same morning only to find out I could not access my benefits. I've called and called and emailed them only to get no response! If you could help me find my money that would be great! I have believed that I have been a faithful chime customer and representative for them for quite awhile now. If you could help me out I would greatly appreciate it. Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by Transunion or XXXX credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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. 

According to : 15 U.S.C 1681-2 ( 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 informations 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 2022-09-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a Citibank credit card customer since XXXX. I have 2 Citibank cards, a better balance and diamond preferred. I use the better balance card for day to day purchases and pay the balance in full every month. I only use the diamond preferred card if Citi gives me a special offer, i.e., balance transfers/purchases for 12 months at 0 % interest. Right now the balance on that card is {$0.00} and I have a credit limit of {$7600.00}. I mention all of this because yesterday I applied for an additional Citicard, called Citi Simplicity. They denied my application because they say I have too many inquiries. To me, that's like saying " you have too much credit and we can't give you anymore ''. It is true that in the past 30 days, I've applied for 4 credit cards. One was a gas card that I immediately closed when I received the card and reviewed the XXXX  that were different that when I applied. The other 3 were in anticipation of my having XXXX XXXXXXXX that would cost about {$3800.00} out of pocket ( Medicare won't pay for that portion ), and all these credit cards have 0 % interest for 12 months, with some other special programs, i.e., {$300.00} statement credit if you spend {$1500.00} in the first 3 months, or XXXX points ( {$150.00} ) if you spend {$150.00} in the first 3 months. But the Citi Simplicity card is offering 0 % interest on purchases for 12 month, or balance transfers for 21 months. So, of course I wanted a card that would give me more time to pay off XXXX  XXXX. And lastly, I have a XXXX score of XXXX ( see attached ), and have had credits cards since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXXs rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: ADP Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had several accounts hacked at the end of XXXX including my debit card with Wisely ( ADP/Global Cash Card ) being use without authorization to rack up some {$1300.00} in charges. I had one previous merchant dispute for {$100.00} parking that happened a couple weeks before ( they didn't resolve it ) otherwise had no issues up until this point. My problem with Wisely is that they place the burden of unauthorized activity on the consumer. It's been almost a month and I still don't have any of the funds returned to my account. It's over {$1000.00} dollars! Not being given provisional credit for transactions I didn't authorize is absurd and it puts all of the burden on the consumer that's not fair at all. They have not been helpful I have sent them everything they've asked for and more, I've emailed and called to check on credit and am told they don't do that. Well guess what, if you're going to operate like a bank I expect the same protection. I want the credit issued to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ON XXXX ASSET CARE LLC. CALLED MY PHONE NUMBER XXXX. THEY WERE ASKING FOR ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER BELONGS TO THEM. I ASKED THE REPRESENTATIVE FOR THEIR MAILING ADDRESS. COMMON SENSE HERE. IF I ASK FOR THEIR MAILING ADDRESS, SEND THEM A LETTER IN WRITING LETTING THEM KNOW THIS NUMBER BELONGS TO ME, THE NEXT TIME THE FILE GOES TO ANOTHER DEBT COLLECTOR, THEY WILL KNOW THE NUMBER NOW BELONGS TO ME, XXXX XXXX ( AND NOT TO CALL ME ). I HAD TO PULL TEETH, THAT IS I HAD TO ASK SEVERAL TIMES FOR THEM TO FINALLY GIVE ME THEIR MAILING ADDRESS. IT IS ABUSIVE, UNFAIR, DECEPTIVE, AND ILLEGAL FOR THEM TO NOT GIVE ME THEIR MAILING ADDRESS. DISPUTING THE DEBT IN WRITING HELPS, AS IT DOES FILING A COMPLAINT WITH THE CFPB. I ALSO WANT THEM TO SEND ME A COPY OF THEIR DNC POLICY. THEY SHOULD HAVE CHECKED TO SEE IF MY NUMBER WAS RECYCLED AND IF IT WAS REGISTERED IN THE DNC REGISTRY.

Company response to consumer: Closed with non-monetary relief