BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}, {$4900.00}, {$19000.00}, {$8500.00}, {$960.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$920.00} -This is not my account. 










2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This 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 2020-04-23
Company: The Bureaus, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Bureas reported to my XXXX, XXXX, and XXXX credit reports 2 collection accounts for XXXX XXXX in the amounts of {$600.00} and {$520.00}. The credit agency illegally placed this information on all three bureaus without sending me notification of the debts and the option to request validation and if validated to dispute. This illegal reporting has made a negative impact on my credit report. Also, the information to contact the lender is different on the credit reports. On the XXXX report the contact information for The Bureaus is XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX. On the XXXX report the address is XXXX XXXX XXXX XXXX XXXX XXXX, Is XXXX Phone number XXXX. Therefore making it difficult for me as a consumer to know which number and address is accurate to dispute or possibly settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've called Transunion multiple times about Hard Inquiries that I did not authorize, that I want removed from my credit report. I've also sent letter via certified mail, and the inquiries are still on my 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 2018-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Our ATM withdrawal XXXX is {$800.00} On XX/XX/XXXX someone withdrew {$2000.00} of our checking account through an ATM. I called the bank next day ( when we saw the transaction ), and they opened a ticket. 
That same day, before the $ XXXX were stolen, there where some shady transactions for very low amounts, one charging and the other one reimbursing. Because of the way Bank of America works, those transactions dont longer appear in my history ( like they had cancelled each other ). 
This morning ( XX/XX/XXXX ), the bank finally gave us our $ XXXX back. After the $ XXXX credit cleared in our account, later today, there were a couple of those small shady transactions, and a big withdrawal of {$2500.00}! AGAIN FROM AN ATM! 
Those two weeks it took the bank to give us our money back generated financial stress on me and my husband, since we had to tap in our Savings account to pay the rent. That savings account has the money for the down payment of a house we are in process of buying. Now, again, we are short for our down payment! This has to be an inside job from the bank, given the timeline and that our withdrawal limit is {$800.00}. The bank tell us they were using the virtual teller in the ATM to extract money Please help.

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 2022-07-14
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Went to a Florida hospital while at XXXX XXXX in XXXX of 2016. After giving the receptionist our insurance card and information, we were told there wasnt a medical doctor there for us to see. So we told the receptionist that because there wasnt a doctor there, we were going to find another hospital to go to and left. They filed on my insurance anyway. My insurance paid them and the other hospital even though I was never seen by anyone at that hospital. They were trying to collect the non emergency copay of {$75.00} from me. I contacted the Hospital at the time I received a bill and was told that even though I hadnt seen anyone and had left before seeing anyone, I had given them a XXXX sample and that just by walking through the door they had the right to bill my insurance and demand my copay. We agreed to disagree. At any rate that was that was over 6 years ago. The statue of limitations for Texas is 4 years ( which is where I live ) and the statue of limitations for Florida is 5 years. Meanwhile, the debt keeps getting sold over and over to new debt collection agencies who try to tell me the clock starts over and continue to contact me regarding the bogus debt. It is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A friend transferred {$50.00} to me using the Cash app, owned by Square. She looked me up using my email address. I had an account with Square using my email address. 

When I logged into the app with my email, the app asked me to verify my identity using a code sent to my email. I did this successfully. The app then asked me to enter a debit card number to verify my identity. It asked for a debit card number from many years ago when I initially set up my account. My debit card number had since changed, so I no longer had access to it and didnt know the number. 

This seems a very silly way to verify an identity. Peoples debit card numbers can change and its not something people usually memorize. 

Their in-app, chat-based support then led me on a wild goose chase of creating a new account, trying to merge these accounts, etc. 

At the end of the day theyre telling me they cant help me. Meanwhile my friend is out {$50.00} on her end. Im out {$50.00} in my end. And their support team is telling us the transfer doesnt exist even though money was deducted from my friends account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: CITIBANK, N.A.
State: FL
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:
Hello XXXX  : I recently paid off my Citibank Card ending in XXXX on XX/XX/XXXX ( I paid twice in one month  before the next statement balance was scheduled ; First I paid onXX/XX/XXXX ). However, for the month of XX/XX/XXXX, onXX/XX/XXXX, I decided to check my account again and noticed a {$.00} ( XXXX cent finance charge ) still put on my account. Anyhow, because of this {$.00} charge, I called Citibank onXX/XX/XXXXat  approximately XXXX XXXX est, and explained to them the issue that my account has been closed for years, and I just paid it off on XX/XX/XXXX  The customer service person assured me that this was a clerical area, and that this {$.00} charge is now off my account. However, I do not want any late charges or late fees associated with this mishap to affect my credit score. Could you please look into this matter? I have two documents that proves I paid for this account in full. The customer service representative was named " XXXX '', apparently a foreigner. I did check my account to see if the account still display the charges and it does not as of XX/XX/XXXX, but I talked to Citibank onXX/XX/XXXX at approximately XXXX XXXX. est. Please help ensure that this incident does not affect my credit score adversely. I have two documents to support what I say. Please note : Both files have similar names but they are different. As a follow-up to my account ending in XXXX, onXX/XX/XXXX my account read - {$.00}, that is right, negative XXXX cents. I am not sure what is going on. Please help me. Thanks. I have contacted you about this issue on XX/XX/XXXX in regards to my Citi Bank card that I paid off inXX/XX/XXXX ( please reference the previous email ). I have also included another document to prove what I say. Then, on onXX/XX/XXXX, a letter that is dated XX/XX/XXXX, arrived at my residence that states that I have a {$.00} balance. This account should be closed.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have included in this complaint a photocopy of the account in question. XXXX is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.

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 2018-08-08
Company: Nelson Cruz & Associates LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
NELSON CRUZ & ASSOCIATES REP- XXXX XXXX XXXX CONTINUALLY SINCE XX/XX/XXXX I HAVE RECIEVED 13 PHONE CALLS FROM SAME PERSON STATING THAT SHE HAS A FINAL DETERMINATION ON HER DESK AND IT NEEDS MY ATTENTION REGARDING AN ACCOU T THAT IZ 10 YRS OLD AND HAS BEEN CHARGED OFF AND CLOSED.OFF MY CREDIT REPORT. IT WAS A VOLUNTARY REPOSSESION ON A VEHICLE. RECENTLY SHE SAID THEY ARE PUTTING A RIZMAT? ON MY SOCIAL. AND FLAGGING MY SOCIAL FOR THIS. TODAY SHE SAID I NEED MY ATTORNEY OR MYSELF TO CONTACT HER AS SOON AS POSSIBLE. THESE PHONE CALLS ARE BECOMING A PROBLEM AND I FEEL LIKE IM BEING HARASSED FOR SOMETHING THAT DOESNT EVEN EXIST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a purchase from XXXX XXXX for {$1200.00}. Due to supply chain issues, IXXXX did not receive the item so on XX/XX/XXXX they refunded my total amount. Both transactions were handled via XXXX using my XXXX card. Unfortunately at the time of the refund back to my credit card, XXXX was moving from XXXX to Barclay as their vendor. As a result, my refund has been sitting in limbo somewhere at XXXX. XXXX has provided me with the transaction details down to the time the refund was sent to Barclays from them. I've spoken to multiple supervisors at XXXX who have indicated that the money is there at Barclay and just needs to get transferred to them in order for it to show as a credit on my statement. Apparently this has been a bumpy transition from XXXX to Barclays however that is not my concern. They have been holding my {$1200.00} for FIVE months. This is unacceptable. I am not disputing anything with a merchant as they have refunded my money ; I simply have never been given the money from the credit card company. During these five months I have continued to pay my bill timely but this is getting ridiculous and I believe they should be paying me interest now.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have included in this complaint a photocopy of the account in question. XXXX is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.

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 2017-09-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since XXXX XXXX, 2017 I have been trying to get XXXX XXXX to remove more than {$1500.00} of disputed charges from my account. Earlier in XX/XX/XXXX, JCPenney refunded {$1200.00} in charges for items I never received but still refuses to accept returns of merchandise and credit the remaining balance. XXXX XXXX continues to claim they " are investigating ''. I have repeatedly ( FIVE separate times ) informed XXXX XXXX that my ENTIRE BALANCE is in dispute which should mean that interest is not being calculated on the disputed balance and that payments are not required on the disputed balance. However, since I opened this dispute, my account has been assessed late charges and interest charges and I have been hounded incessantly, as if my account were past due. I have received collection e-mails, phone calls, and the online status on my account shows " past due ''. To top it all off, on XXXX XXXX, 2017, they reported to the three major reporting agencies that my payment is 30+ days past due. I have excellent credit and am greatly frustrated and angered by these inappropriate collection activities. Additionally, this inaccurate reporting is adversely affecting my ability to obtain additional 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 monetary relief
Consumer complaint received 2018-09-08
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Once I realized my credit had been compromised I went on a campaign to repair it one of the companies I came up against was National Credit Systems the original complaint came from XXXX XXXX XXXX XXXX to which I never lived at. I have been trying to get them to remove this from my credit report for years. It was actually removed from XXXX and XXXX for some reason it is still on XXXX. I didn't even get the chance to ruin my credit someone else did it for me I am trying to buy a house in the next two years and this is a problem. These people are rude I try to reach out them so that I can get the details of this account and they hang up or don't want to speak to me. I figure this is the best way so that we can take care of this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im getting repeated phone calls daily to my job. Ive spoken to several people at the company and told them only to contact me at my cell phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
JPMCB flagged our mortgage account late several times although payments were made in time ( payment was due on the XXXX of each month and they have received the payments in time ). This, and other issues, have been communicated several times to JPMCB will little success. 

We sold our house in XXXX of XXXX and JPMCB flagged us late again for XXXX of XXXX. There was an issue with the buyers check that didn't clear in time but that was out of our control. We opened a dispute with XXXX to make our case. The case was rejected, but when comparing the payment history before and after the complaint, we are now flagged late for XX/XX/XXXX, and no payment history is shown for XX/XX/XXXX. Another " late '' date has changed as well - before we were " late '' in XX/XX/XXXX and we are now late in XXXX of XXXX. 

JPMCB credit reporting is arbitrary and completely erratic! Because of this our credit score has dropped significantly, and we had extreme difficulties to find a bank willing to work with us on our new construction loan. We tried to obtain a construction loan in XXXX of XXXX but had to wait until XX/XX/XXXX until our credit score had improved enough to be able to get a construction loan. We've missed our window of opportunity to secure a loan at a more favorable interest rate, and had to postpone begin of construction. 

Evidence and documentation is available to prove that my statements above are correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX and fell for there scam of being able to learn about computers with knowing nothing at all and felt overwhelmed to say the least about there whole process but they keep passing you along even though you do n't do well in the class ( es ) when come time to place me in a job like they promise there was nothing to be found and now I am stuck with all these loans that they were not clear on. So I have struggled ever since to try my hardest to pay these loans off and they keep piling up. Now that the school was actually deemed fraudulent and has closed I do n't feel like I should have to pay the rest of the loans off. I have tried to explain this to everyone I talk to on the phone but they do n't care or listen to what it is I am saying. Now I did a loan forgiveness and thought it would help out since they have been taking my income tax return for the past XXXX plus years but the loan is still accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: VA
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:
My lender XXXX XXXX XXXX XXXX XXXX has agreed to remove all late payments ( 4 ) and the remark repossession redeemed from my credit report. A copy of the attached letter was sent via USPS 45 days ago to all 3 credit bureaus XXXX XXXX, XXXX and Equifax XXXX per XXXX XXXX instructions. To date XXXX and Equifax have not deleted/updated the late payments on my credit report.

Company response to consumer: Closed with explanation