BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello My name is XXXX XXXX. I paid XXXX XXXX my XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX  The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX  Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-03-27
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 WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: United Credit Education Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX I submitted and trusted XXXX protection plan by good faith to assist in repairing my credit or Positive Credit Builder as they may call it. My personal information was exploited and am effected in a negative way by resulting in more inaccurate non verified information for the accuracy on my name and report. This company was paid and I recieved nothing as guaranteed. The company submitted Inaccurate information with my name and social security. I have never recieved any credit updates, only more negative items on my credit. As a result have suffered financial hardship, theft, and fear of the privacy and good will for what represents me which is now falsely added making me look horrible as a human being. XXXX I filled identity theft and was not protected nor notified by any agency or reporting agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: OH
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ok i filed tjis didute becsuse i called the bank to inquiry bout a previous claim and i was told that it had been paid already and all of the money was taken out the account by XXXX XXXX transfer.so i had to open a claim at that time fo XXXX. I sent the information required and any supporting documents such as police reports. But the claim was quickly denied... i have reopened the claim for re -determination around XXXX to XXXX times since the first XXXX, but each time they reached the same decision in less than XXXXXXXX XXXX. I really decided to ask for their paperwork why they reach the decision that they did and the first time I requested the document they sent some transaction that we're not related 2 they claim so I called and explain back to the claims department and asked for determination again and requested it supporting documents for their decision this time they sent. A paper with just the XXXX XXXX XXXXransfer and that was it.

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 2021-02-26
Company: Sentry Credit, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On the XXXX of XXXX I noticed his derogatory information on my credit from century credit inc Account number XXXX representing a creditor by the name of XXXX XXXX XXXX.Upon notice of this on my report I filed a dispute with XXXX  and XXXX XXXX. Today I received a letter dated XX/XX/XXXX. On this letter, in reference to the account and the current creditor as XXXX XXXX XXXX, But what the attached was a contract from XXXX XXXX XXXX not XXXX XXXX XXXX. I Called A SENTRY representative, because it was no address or phone number listed with XXXX XXXX XXXX XXXX. After speaking with representative she discussed the contract referring to payment agreement I explain to the representative That the paperwork does she sent was contradictory and that the information provided the credit bureau was contradictory and that the signatures were either electronic or cutting paste and it was electronic date of XX/XX/XXXX not XX/XX/XXXX. I Explained that this company has not done anything that they are complaining charging, nor did I borrow any money or have a judgement againstme. I further advise that my representative was from The XXXX at the VA in XXXX XXXX XXXX not them. she then wanted me to send her proof, but I not trust them becuase it takes a real Pariah to pray on XXXX Vets, She did say that she has had similar issues with this particular client, but they still pay their bills.

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 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received an alert on my phone that a charge of {$2500.00} was made at XXXX XXXX Within 10 minutes, I called my credit card company and reported it as a fraudulent charge. 

The credit card company issued me a credit but then charged me AGAIN for the same amount. I called them again and they told me I approved the amount which I never did. I then asked them to show me documentation ( or a taped phone call ) of the approval. They couldn't show any proof of me doing that. They reopened the case. 

After many phone calls and hours of my time spent on this matter, they then told me it would take 2 billing cycles to the 2nd credit to be issued. I told them I don't understand why I had to wait especially when they issued me a credit soon after the initial charge. 

I recorded most of the phone conversations I had with Citi Cards. The last time I spoke with them on XX/XX/XXXX. The person said I would receive a full credit by XX/XX/XXXX. I have not received that as of writing this complaint. 

I believe I was at a gas station at XXXX XXXX XXXX XXXX XXXX trying to use my credit card and had trouble at the pump a day or two before. I had to go inside for the transaction but going back to the pump and now using my XXXX rewards card, it still wasn't reading my reward card. The transaction was canceled. I believe there was a " skimmer '' at the pump. I notified the local police and filled out a 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 monetary relief
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: WA
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 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 explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$870.00}.

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 2023-03-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Around Saturday  XXXX, I get a text message from XXXX about a credit card application that was not mine. I later checked my hard inquiries on my credit report saying there was something involving XXXX, so I think I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2023-01-06
Company: EQUIFAX, INC.
State: IL
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:
I previously disputed this with XXXXXXXX XXXX XXXX indicating that they are reporting this account inaccurately and without my permission on my consumer reports! Due to the FCRA AND FTC commission laws consumer reports must obtain accurate information and Prestige Financial services is not submitting accurate information to XXXX Equifax and XXXX. It is reporting that the account was included in a XXXX  XXXX bankruptcy and it was not. Please REMOVE from all three credit bureaus due to the inaccuracies being reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Travelex NY, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
Hello, I am writing to inquire about acceptable business practices and fees for currency exchanges. I recently visited XXXX, and exchanged USD in cash for JPY prior to taking off. I later realized the rate I was given in the airport was notably different from exchanges elsewhere, and began looking into this more prompting this message. A receipt from my transaction is attached for reference. This was a currency exchange counter in the XXXX airport near the XXXX XXXX international check-in counter. 

My initial intention was to exchange {$500.00} USD for JPY so I would have cash in-hand prior to landing. The individual behind the counter encouraged me to exchange more money, as I would receive a better exchange rate in this circumstance. I can not recall what the difference was exactly. 

On reviewing the rate I was given, in addition to the fees that were imposed : XXXX XXXX XXXX I received XXXX JPY. When dividing this by the exchange rate that day ( XXXX ) = {$500.00} USD. I was charged a total of {$610.00}. This a total loss of {$110.00} on an intended conversion of ~ {$600.00}!

I am writing as I naively assumed a currency exchange in a major US airport ( XXXX ) would provide a fair rate/fees. After auditing this I am realizing I am sorely mistaken and feel rather foolish. But I am guessing this occurs to many individuals systematically. I am not sure if this is considered to be a fair business practice, or if there are limits to the rate an exchange can give compared to what is being traded that day. In any case, as a consumer, I would advocate that these fees be much more clearly stated as I would not have taken that action had I realized the financial loss associated with the transaction. 

Thank you for your attention to this matter. Please don't hesitate to reach out with any further questions/clarifications. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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: Account information incorrect

Complaint:
This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you 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 2023-02-23
Company: Experian Information Solutions Inc.
State: OH
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

In accordance with the Fair Credit Reporting act.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Last 4 of card number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an XXXX loan for my business via Bank of America {$65000.00} on the XXXX of XXXX the next day I had hoped to go make some purchases for the business so I checked my online access only to see my account balance had changed to a - {$880000.00} and - {>= $1,000,000} so I went to the bank and was told my account and funds had been frozen along with all other funds I had in the account. 
I went to the bank to find out more about this claims and they insisted that if I wanted to retain the account I needed to bring prove of the business along with the loan. 
I sent in all documents of Incorporation, EIN documents, my loan documents and all documents pertaining to my business. I was given a phone number to call but even when I called the person still tells me that my account has been closed and they are holding all my funds without an explanation. 

Its been more than a month and 5 days and all I get from them is a run around, I have taken all prove of business to them already which should be sufficient enough but rather I am getting a run around each time I visit the bank or call to check on my account status, I get put on hold for hours and then cut off. 
Please I would like you to assist in getting this issue resolved.

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