BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: 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 2017-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her lossmitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so  we did file a complaint with the CFPB the sale likely wont be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice from Credit Collection Services on X/X/2017. The notice identified XXXX XXXX XXXX XXXX as the creditor and the amount was {$24.00}. I have never had XXXX XXXX so I contacted them first. They confirmed that I have never had any type of XXXX XXXX  and that there was no debt. That call was on X/X/2017. When I called the Credit Collection Services on X/X/2017 they said the amount was paid in full and no further action was required. I never made a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Navy Federal Credit Union, I hope this message finds you well. I am writing to request a refund of {$310.00} that was charged to my checking account yesterday. As a dedicated member of your institution, I have always trusted in your commitment to providing exceptional service. 

Unfortunately, I recently experienced some unexpected and difficult circumstances related to my father 's health. As a result, I was not aware that the assistance I received would come at a cost, and I can not afford the additional fee at this time. I am barely able to stay afloat financially, as I am constantly traveling back and forth to the hospital and trying to provide for my XXXX young boys. 

I am deeply saddened by the way I was treated over the phone by supervisor XXXX and XXXX. They were not understanding of my situation and made me feel humiliated for asking for help. I understand that mistakes can happen, and I am hoping that you can find it in your hearts to assist me during this difficult time. 

I appreciate your understanding and look forward to resolving this situation as soon as possible. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I transferred {$1000.00} to my XXXX XXXX account on XXXX of XXXX XXXX XXXX of XX/XX/2023 I received a confirmation message that the funds were deposited to recipients account but when I checked my account I didnt receive any money from Remitly so I contacted to. the customer service and file a complain about it They said they will call me back with the resolution in 4-7 business days but I nobody called me from Remitly so I called them n they said the same thing so I waited again for 7 days .Same thing was going over n over again. Its been more than a month n I still havent got my refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2018-04-02
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We opened this account because it was not suppose to have overdraft option after having another account. If an item tried to post and the funds were low, PNC was suppose to reject the payment. However, over the years, they have apparently changed our account and now we are being charge overdraft fees AND some " continuous overdraft fee ''. We have spoken to PNC many times regarding this issue to no avail. We NEVER agreed to these charges and was told they would not happen. That has not been the case since having the account. We would like to see PNC refund or delete all charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received no notice of this debt until i saw it on my credit report. I attempted to call to verify what the debt was and was not give a chance to verify, only options to pay. Have received no written correspondence. Tried to dispute through XXXX but it was returned as properly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Lendmark Financial Services
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
we started with having autopay on the account but it took forever for landmark to take the payment via auto deduct from our checking account and they do not offer autopay on debit/credit cards. We cancelled the autopay not knowing it was sent to out bank already and made the payment online with our debit card and was charged a fee. Lendmark took the automatic payment as well. We contacted lendmark and was informed that they would need to clear and they would be able to reverse the payment they also asked for a screenshot of the account showing the completed trans action or a statement or our app. well for security resons our phones will not screenshot our banking app and when I took a screenshot of the pc site and sent it I was then told it had to have my name, account number and the completed transaction. I sent a screenshot showing the last 4 or the account, completed transactions and the only thing it doesnt show is my name on the page because it is on a whole different page. Lendmark then told me that it was not good enough because of my name and that it doesnt show the completed transaction. the sreenshot shows it is completed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: DC
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Almost a year ago I notified Cashapp that the novelty metal debit card I paid {$54.00} for didnt work when I received it. They told me it was a security issue they needed me to send docs in to verify my lease and who I was so I did .. this was XXXX. I thought it would be taken care of then and I would get another card or refund or some thing for 1 year straight up until this day theyve told me my case was escalated and they will get with me when its resolved. Its been 9 months this is absurd I have yet to receive a refund where they clearly see I paid nor have I had a debit card to use which I had my retirement check going to that account Im glad I was able to get it cancelled before it was paid out and sent to a different account this has caused me many fees because I have to cash out instead of just swiping my card that I paid for that theyve been investigating for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
There are 2 things that happened : the biggest thing was, i was lied to on the phone when I was called to settle on my business credit card with chase bank. I asked three times if the XXXX $ and some change they requested would close the card and be done, and person said yes. I asked there times. I went to check a few days later and the card was charged a XXXX $ something but there was still a balance. I called and talk to a manager XXXX. He ; pulled call and said wow you are right you asked three times. So he said he would send in to get balance taken off. It got denied by however was above them. I felt lied to and it should have taken care of balance as i was led to believe. I was so mad I asked to close my personal account, leaving my business account open. I called earlier this week to tell bank i had a XXXX $ return coming back into account but i wanted it rejected or sent to business account. I was told since the account was close it would auto reject and i need to do nothing. Well it went through, when i called to day to explain they said there was nothing i could do because the account was not fully closed yet. Its been over a week since I requested it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LVNV Funding I get XXXX calls daily - I answer every time I say hello several times and they hang up I called back - I told them if this is the {$97.00} XXXX balance it was paid years ago and has been disputed since 2019 - I have spent years trying to resolve this and no one ever does the research to mark this paid and remove it from my file and STOP calling me 3 times a day They call on Sunday- they never speak to me I always have to call back - they are harassing and bothering me by calling but refusing to speak to me These collection tactics violate the 7:7 rule and it needs to stop - I have hired and attorney to file a counter claim against them for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm trying to login to my account but can't get past the XXXX step verification because somebody changed my phone number. So, Chime is sending the verification code to the wrong phone number. I've called them numerous times, chatted with them and still have no resolution. I get put on hold for an hour here and an hour there and told that the boss is too busy, then I was asked to show my ID with a selfie of me and a piece of paper with the date and time on it and my social security card. Something very fishy going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Bread Financial Holdings, 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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act as a federally protected consumer, I have a right to privacy. 

Per the Securities Exchange Act Comenity Bank agreed to discharge this debt so it can not be late. 

Per the International Bill of Exchange and Promissory Note Comenity Bank failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. 

Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 

15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.Code 1681s-2 ( 7 ) ( E ) Per 17 CFR 424 Capital One said it would not commit language fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Bread Financial Holdings, Inc.
State: CT
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 rewards from credit card

Complaint:
Someone stole my redemption points in XXXX. XXXX still has not refunded me the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: AZ
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 Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX 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

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