BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
Hi, I believe I am covered under the CFPB settlement with JP Morgan/Chase regarding Credit Card debt sold and filed as a suit between XXXX and XXXX. My credit card debt was sold by Chase to XXXX XXXX XXXX who filed suit in XXXX Court of Calitornia - XXXX XXXX XXXX Case # XXXX ) against me in XXXX. At the time of the suit it was time barred by over 1 year. The suit was filed XXXX XXXX, XXXX and the last activity on the card was XXXX XXXX. The suit went on for 3 years and 1 week before this settlement a judgement was entered against me for over {$19000.00}. The Judge ruled that Chase could n't produce a cardholder agreement and therefore the time bar ( 3 years from last charge ) could n't apply. I have read the CFPB settlement and my case fits the settlement. However, I have n't been able to locate a way to be included in the group. 
I am prepared to appeal the Judge ruling but given the outcome of this settlement believe JP Morgan is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a new business charge card account with  Citi bank in   XXXX   XXXX  . For 2 months i received the bill and paid it on time. After that I stopped receiving bills from Citi bank and later learned that my bill was going to an incorrect address. Now I am charged with late fees and finance charges that Citi bank required me to pay even though the bill was sent to the wrong address! Not only that the paper statement contained the entire 16 digit account number! I have repeatedly called Citi bank to try to resolve this but they were not helpful at all. I closed my account after paying the late fees and finance charges so that whoever was receiving my paper statement would not use my charge card. Citi bank employees could not give me the address that the bill was going to because they s aid they could lose their job. All they could say was that the bill was not going to the address that I gave them when I told them my address.

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 2019-12-05
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to 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 2022-09-12
Company: EQUIFAX, INC.
State: NC
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I have saved this message on the phone. Basically said I need to take action, to renew loan, or it would go to district supervior. I told this company I do not have a job and I am unemployed. By mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Kentucky Higher Education Assistance Authority
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:
Someone got a student loan in my name and the company won't remove this fraudulent account from my credit report even though I've already disputed and proven this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
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:
Here are the XXXX latest CFPB complaints ( of 5 plus years ). XXXX XXXX XXXX XXXX. automatically labels complaints as duplicate. And yet NOBODY has yet to send the permissible permission used to access my credit report in XX/XX/XXXX by Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And yet nobody has even given an explanation of why they feel like they dont have to comply with the CFPB request and complaint. 

CFPB Complaint # XXXX 5 years of requests and XXXX XXXX XXXX XXXX XXXX XXXX XXXX just labeled the latest CFPB complaint # XXXX as duplicate. They have never supplied the permissible permission to have accessed my credit report in XX/XX/XXXX as I have requested for more than 5 years. Experian has just played the paper game for 5 years by saying they are investigating by sending complaint to XXXX. This is shameful and surely these can not be American Companies. 
CFPB Complaint # XXXX Attached is XX/XX/XXXX letter from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  sending items they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not the documents they keep sending. I require this document to prove the loan was fraud. When I say fraud, XXXX requires more of my personal information to do a fraud investigation when they didn't even have the right to have any information on me in the first place. My request is simple, send me copy of the permissible permission used to access my credit report in XX/XX/XXXX to allow me to prove the loan was fraudulent.

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 2017-01-26
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint was closed only because the company provided a response, I provided a response to the company and it was closed with the issue unresolved. Your complaint 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 explanation
Consumer complaint received 2017-05-21
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On X/XX/17, I contacted the Debt Collection Company by the name of DIVERSIFIED CONSULTANTS, located at XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Acct # XXXX, asking that they send me verification of the debt that supposedly I owed XXXX in the amount of {$240.00}, that 's appearing on the Credit File. I stated that the account had been paid prior to this amount being place on my credit file and asked that they provide me with Verification of the Debt. As of X/XX/17, Diversified has not responded. I also disputed the entry with the credit Bureau, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been vertified. When I contaced the credit Bureaus by phone, I asked what information did the company provide ( such as contract with my signature, names, bill or etc ) and was told they did not have that information available, that I need to contact the Creditor. Please help me get this inaccurate information removed. I may have owed XXXX but they were paid before this collection agency assumed the debt. Kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
TransUnion is being negligent with my consumer disputes for inaccurate, incomplete and unfair information please see the following letter

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX ( ACCOUNT NAME : XXXX XXXX ), has violated my rights. 
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
Consumer complaint received 2017-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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 received a bill for items purchased on my Saks Fifth Avenue card in  XXXX  in   XXXX   XXXX   when I was in  XXXX , Vermont for an employment retreat. I called the number to dispute it and was told by a customer service agent that the company takes care of the rest.     I then started to receive collection calls. I called and disputed it again.     I still received collection calls so I disputed it by phone a third time.     In    XXXX   XXXX   , I was advised by email that I needed to make a police report in  XXXX  to dispute the charges. I advised them that I could n't file the report over the phone or online and because I live in CT and getting to  XXXX  takes about  2  hours so I could n't go immediately.  XXXX   XXXX  in  Saks ' Fraud  Department said I was lying and that police reports can be filed telephonically or online which is n't true.     I went on   XXXX   XXXX   XXXX   to the  XXXX  and tried to make a report and they told me they would n't take it because it had been too long since the incident. Then Saks decided that it was n't fraud, after they literally scanned and placed the signature from my fraud affidavit on the sales receipt. They are identical. Even if I had signed both they would n't be that identical. Besides, any evidence they had should have been handed over to me within 30 days of my first dispute.     I have since disputed the bill with  XXXX   XXXX , the  VP  and  Associate   General Counsel . I sent certified letters on   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   demanding proof that it was me who made these purchases at the  XXXX  store.     I have received no response. As stated in my letter, this is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to pull my own Equifax credit report, but my online acces to do so has been restricted.   Even when I pay to access my Equifax credit report online, I am only provided my old information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: Credit Protection Association, L.P.
State: CO
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 was an employee of XXXX and provided with virtually free XXXX as a benefit, all I paid was {$8.00} for the DVR converter. They terminated me, I suspect it is because I disagreed with their benefit of service policy which held individuals who shared addresses responsible for bills verses just the contractually obligated individual. They immediately increased the rate of my service instead of canceling the service at the end of the period paid through or providing me adequate notice of a rate increase. This resulted in a XXXX collection account. This is so long ago I do not recall when I canceled. I disputed this debt with them due to not receiving adequate notice and never agreeing to the amount billed. XXXX then sold this to a third party. The company they sold it to, Credit Protection Association, XXXX, XXXX TX XXXX, also attempted to add a {$5.00} collection fee to make the total XXXX. When I requested a copy of the contract and disputed the collection fee they sold this to another company. I disputed this again with XXXX XXXX, XXXX GA XXXX, who reported a balance of XXXX to all three credit bureaus. I disputed this and had it removed from my credit report. Now the debt has been sold to another company XXXX, XXXX FL XXXX and is once again being reported on all three credit bureaus. I will be disputing XXXX but this should not have been sold to them in the first place. I have disputed this debt multiple times and it just gets sold to someone else.

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
Consumer complaint received 2022-05-06
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 XXXX Account # XXXX ( ACCOUNT NAME : XXXX XXXX ), has violated my rights. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US XXXX  XXXX XXXX XXXX Balance {$5100.00} ; US XXXX  XXXX XXXX XXXX Balance {$3100.00}.

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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used Cash App to send {$30.00} from my debit card to another user who ended up never giving me the goods for the money. Cash App refused to help and when I filed a chargeback dispute with my bank, rather than comply with the dispute, Cash App closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: The Leviton Law Firm, Ltd.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Above not accurate, attempted withdrawal from bank acccount. 
I contacted the collection agency ( via Regular MailXXXX, and e-mail ) on XXXX XXXX, XXXX to rescind any and all authorizations to draft checks, withdraw, debit or otherwise remove money from my business account as I would remit payment myself via check each month. Despite my direct notice, the collection company debited my account on XXXX XXXX, XXXX for {$250.00}, overdrawing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX, Transunion, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635

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 2022-05-06
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 
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
Consumer complaint received 2016-12-16
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
1. On XX/XX/2016 I made a prepayment of {$1000.00} to cover the XXXX, XXXX, XXXX and partial XXXX payments. On XX/XX/2016 a {$200.00} collection fee was taken out of my prepayment funds without consent and/or notification. That caused my prepayment amount to drop and owe {$24.00} for the month of XXXX. I spoke with a representative who advised that was done against company policy and it would be corrected immediately. However, it has not been corrected and now I owe. 
2. This company is reporting INCORRECTLY to the Credit Bureaus and it 's negatively affecting me. My balance should be {$10.00}, XXXX but is being reported as {$14.00}, XXXX. I 've made several attempts to have this information corrected but to no avail. 
Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I exchanged XXXX for several Reloadit card codes at localbitcoins.com in order to exchange XXXX for XXXX. I made several transactions with one user there, each one was for a value of {$500.00} USD, each one i loaded into my " safe '' in my account at reloadit.com. The rules say i could load up to XXXX $ per day and $ 10k per account. After a couple weeks Reloadit locked my accounts with a total of {$3000.00} in them. I called and opened a case, and provided the documentation they asked for right away. 
I can write an entire complaint based on the incredibly atrocious customer service. There were lies, rudeness, deliberate disconnections ( hang-ups ), and smug behavior as they enjoyed hearing me getting angry and helpless. One supervisor even laughed at me when i asked for his employee number so i could make note of this and report it ( XXXX, employee # XXXX ) I wo n't go into the detail of the XXXX phones calls i made getting jerked around, and hours i spent on hold just to be asked a few questions to be put on hold again to be transferred to someone else ( cycle repeats ). 
They ignored the fact that i provided the correct documentation and asked for the store receipts of the purchases which they knew i could not produce because i told them i obtained these codes via XXXX. I do have documentation showing that i obtained these codes through the service at XXXX. i submitted screen shots of all the invoices/receipts from the transactions. They have ignored this evidence and then last i called they told me i have 2 hours to submit the receipts from the store or my case will be closed forever without possibility to reopen it again.. Now they WILL NOT EVEN LET ME SPEAK TO THAT DEPARTMENT. I ca n't speak to anyone who has the pwower to unlock my account and each person i speak to that would be able to transfer me has explicit instructions to not allow me to speak to them. 
I fell like i have been robbed and violated. I am not out of {$3000.00} and feel completely helpless. I would like to take full action against this company and i know there are others like me who this is happening to. The reason i knew to file this complaint is because i shared my story on the forum at XXXX and have learned that his has happened to many others. Blackhawk Network must be stopped and prosecuted for robbing the consumers. 
On a final note, my girlfriend has an account with {$1000.00} in it and every time she tries to withdraw the money she gets an error, this has been happening for several days and it 's beginning to appear as though her money is being robbed as well.

Company response to consumer: Closed with explanation