BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My first payment was due XXXX/XXXX/15 and it was setup to come out on my credit card automatically. I logged in on XXXX/XXXX/15 and there was red letting telling me my account was overdue and I had the option to make a XXXX time payment. I assumed the credit card transaction failed so I made a XXXX time payment with my checking account information on XXXX/XXXX/15. I then went in and set up future payments to not come from my credit card but to come from my checking account automatically, because it appeared my credit card did n't work since it said I was past due. Well, XXXX payments ended up coming out of my checking account. The first payment cleared on XXXX/XXXX/15 and the second on XXXX/XXXX/15. I immediately contacted Citizens XXXX on XXXX/XXXX/15 and explained that XXXX payments came out and I would like for XXXX payment to be credit back to me. The representative opened a " case '' and told me it could take up t0 15 days for my money to be returned. I waited until XXXX/XXXX/15 and contacted Citizens XXXX again and asked why my money had not been returned. The representative could not tell me but again opened another " case '' for someone to call me within 5 days with a status. I talked with my credit union after the call with Citizens XXXX on XXXX/XXXX/15 and they took XXXX of the double payments back from Citizen XXXX on XXXX/XXXX/15 ( they called it " MISCELLANEOUS CREDIT ACH RETURNED TO FED '' ) and the money was credited back to my checking account. I never received a call from Citizens XXXX with a status but their system does reflect a returned payment on XXXX/XXXX/15. Now, here is where I 'm concerned and Citizens XXXX has still failed to provide me with a clear concise answer. My bank account reflects the proper number of payments being made to Citizens XXXX ; however, based on the " Payment History '' on their website I have shorted them XXXX payment. Now, if you look at their " Transaction History '' I have made the proper number of payments. The last time I called Citizens XXXX was on XXXX/XXXX/15 where I simply asked the representative if my account was current and in good standing. She could not tell me wither or not it was over the phone and again a XXXX " case '' was opened up as a " complaint '' to have someone higher up call me within 2 days. It 's has been over a week now and not once over this entire situation has anyone at Citizens XXXX contacted me in regards to my XXXX, XXXX, or XXXX case. The phone representatives at Citizens XXXX do not have adequate information to answer any questions and the " cases '' seem to vanish as soon as they are entered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was in the process of trying to get a mortgage and when a new credit report was pulled an account from Enhanced Recovery was reporting. I had a representative contact them because time if so of the essence. I currently have XXXX so I was surprised that they indicated they were collecting for XXXX. I would have paid this had I gotten notified but never did. My representative asked for a number to reach XXXX and was told they would not give the number. I have called several XXXX number and have gotten nowhere. What worries me now is how do I know this is truly mine? Like I said I have XXXX now and if they ca n't give me a phone number to contact the original company how can I know this is a valid account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.

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 2021-12-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Several fraudulent charges were posted to my bank account with XXXX : All transactions had same descriptions '' Realtime transfer to xxxxxx '', but were posted on a different dates/amounts XXXX {$990.00} XXXX {$990.00} XXXX {$1900.00}, {$1900.00}, {$990.00}, {$990.00} XXXX {$350.00} On XXXX we have discovered this, filed the claim on XXXX. 
On XX/XX/XXXX bank have posted temporary credit XX/XX/XXXX received the notice from the bank stating our claim is denied and money will be taken back. Reason : transactions were authorized. 

we have explained to the bank rep that we never authorized these transaction and were not aware of it until we saw the account was drained on XXXX. Bank doesn't want to provide any other information. We truly didn't authorized these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Bill was received for a test or lab work that I never took part in. I notified debt collector ( Financial Recoveries, XXXX New Jersey ) within 30 days that I disputed the debt. I asked them for proof of medical tests performed. They did not provide that proof, instead mailed me a print out of medical codes from a screen on their computer. In less than 30 days of the debt collector sending me the first letter they had already reported it to credit companies. ( Letter mailed to me XXXX/XXXX/2015 late charge filed on my FICO score XXXX/XXXX/2015 ). 

The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran, and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens, they never attempted to collect the debt again. So I was left to believe my letter disputing the debt must have proven to them that it was invalid and they dropped the claim. 

I am just a hard working individual that pays what he owes in life. If this was a valid debt I would have most certainly paid it. This is unbelievable. 

I have medical insurance and my deductible had already been met for the year. My insurance company was confused to this bill when I contacted them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Chase Conventional Loan continue to report derogatory history on all XXXX 3 XXXX credit bureaus/history. Reporting as closed, foreclosure and late pay. This debt was included in my Chapt XXXX BKT and should be noted as such. I 've disputed this item twice with no success and updates to my credit history. I 'm requesting that Chase removes this from my bureaus completely! This account was opened XXXX. They have had many class action law suits for the unfair practice in handling my account. This reporting is impacting my credit history and negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: FL
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:
Attached documents include evidence of federal violations included in my consumer 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 2021-12-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021 In my Coinbase wallet I converted approximately 80000 usd worth of poligon ( matic ) and I got back approximately half the amount in wluna. I lost around 40000 usd for no reason. The fee I agreed to pay was 6 Luna. On my message complain to Coinbase it seems I can not find my right. Below is the poligonscan address XXXX Can you please help? 
Is there any law firm that takes cases like this? 

I appreciate your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is my 3rd request to have my state tax lien status reflected as " RELEASED ''. I disputed two previous reports hoping that it would display my status ; however, they are only displaying the date of the release but will not update the status as it is currently showing ( -- - ) in the status field.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions 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:
XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit

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 2020-04-19
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX of XXXX XXXX of XXXX XXXX  XXXX was used as the reason for the suspects to XXXX  my family and I. XXXX XXXX Account # XXXX and any association to XXXX   under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more XXXX  on innocent. 
XXXX account # : XXXX XXXX : XXXX  XXXX  XXXX XXXX, XXXX  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Chase, like many banks, offers special promotional rates tied to its credit cards. Though they send out voluminous emails, and it would be easy to include a reminder to consumers, they bury the " due date '' to pay the balance in full and not incur interest on the last page of their paper or PDF statements likely hoping you 'll run over. One might be tempted to call this a " scam ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I used my personal identification and credit card information defined under 15 usc 1602 ( f ) to open an account with Navy Federal Credit Union. Navy Federal Credit Union is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Navy Federal Credit Union has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Navy Federal Credit Union has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Navy federal is also in violation of 15 USC 6802 1 ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation on how I could exercise the nondisclosure of my personal information and I also was never give the opportunity to prevent the disclosure of my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a loan from Big Picture Loans and I was approved for {$1000.00} and I was told that I would have a finance fee of {$250.00} which would mean I would pay back {$1200.00}. I just started paying the loan and when I saw the amount of payments and how much I would be charged I was appalled! I am being charged 582.0813 % in interest which would make my final pay off {$7300.00}. I started making payments XXXX XXXX, XXXX and this loan has me making payments until XXXX XXXX. I am willing to pay back the loan and the finance charge but I really do n't want to end making payments of {$7000.00} for a {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, 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:
XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand  for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: A.R.M. Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I paid {$20.00} as a donation to a veterans fund to receive a 3 month subscription of XXXX XXXX XXXX. They failed to deliver the newspaper for the allotted time period and tried to charge me for additional funds even after they failed to send me my subscription. I received a notice From A.R.M Solutions ( dept collector ) requesting {$31.00} on XX/XX/2017. I paid them {$10.00} dollars as a compromise to make the debt go away despite not owing any debt. 

I am worried that their mistake will now place a negative record on my credit and I want A.R.M and XXXX XXXX to ensure a negative report on my credit has not been filed and if it has they address it to ensure my credit score remains as it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Professional Finance Company calls my home and cel phone on a regular basis. They have XXXX accounts for me regarding medical bills that never should have been submitted to them in the first place. They will not provide a billing statement regarding these debts. I 've asked multiple times for them to send me a statement and they said they do not do that. They want a credit card on file so they can charge it on a monthly basis. I want a billing statement, I 've asked repeatedly, and they refuse to provide one. Until they do, I will not pay them a penny.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by Fidelity Creditor Services in the week of XX/XX/XXXX about a debt from XX/XX/2013 from XXXX, the amount is {$520.00} and I have XXXX never got a mail or letter or anything from XXXX before. Fidelity Creditor Services has reported the debt to my credit without obtaining verification or validation and they are trying to collect the money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX separate charges of around $ XXXX were charged to my Chase XXXX XXXX card around XXXX EST from a foreign country with the description as XXXX XXXX , XXXX XXXX XXXX XXXX . I received an email from Chase 's Fraud Group and confirmed that the charges were not mine, and then called Chase 's Fraud group directly to make sure the card was cancelled. Chase was not able to tell me exactly how they got my CC # but I would like to learn as much as possible so I can change my behavior ( if it was my fault and prevent future thefts from happening ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, 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 have been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to me

Company response to consumer: Closed with explanation