BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
i have disputed the accounts multiple times with Experian, XXXX and XXXX stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.

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 2018-07-24
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to cascade capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX XXXXXXXX Balance Owed : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello CFPB. Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 10 % correct. In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent letters to XXXX XXXX XXXXXXXX asking them to send proof with my signature for over 5 years just recently I sent them a police report and the company still fail to remove this student loan off my report I have also sent them my id .I have sent out over XXXX letters asking them to send me original signuature they have fail to do so .XXXX XXXX XXXXXXXX I have reach out to them on numerous occasion over the phone they stated it will be removed.and yet it is not this is very frustrating just want this off immeadtly.i have also spoke with a young lady by the name of XXXX if that was her real name she stated to me that the company XXXX was being sued for fraud years ago and that I wasn't the only one going through this.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: CA
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 several requests 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 has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XXXX XXXX, I attempted to make a purchase from XXXX Off XXXX using a split payment method, split between my Personal Platinum and my Business Platinum cards from American Express. Payment went through on my Business Platinum card but was declined on my Personal Platinum Card. The next day, I re-tried payment but the opposite happened : Payment went through on my Personal Platinum card but was declined on my Business Platinum card. I reached out to Amex about the issue, most notably that both charges, one in the amount of {$13000.00} and one in the amount of {$4100.00}. 

I inquired about how long it would take for both charges to drop off my account. At this point, Amex informed me that 1 ) both charge cards had been restricted and had a very low credit limit placed on them, and 2 ) I had to wait a minimum of 12-14 months before I could appeal the credit restriction. 

Even worse, the pending charges on both charge cards WERE NOT contributing to the temporary credit limit, so the credit limit ( {$4700.00} on both cards ) that was placed DID NOT have the room to increase once the pending charges on both cards fell off. 

When I asked to appeal this, I was told there was nothing I could do, and if I didn't like it, I should just close my account. I first spoke to XXXX and them spoke to Supervisor XXXX ( ID number XXXX ). They both echoed each other. Now, I'm stuck with a business charge card with a {$4700.00} credit limit and a personal charge card also with the same credit limit and over {$17000.00} in pending charges with no intention of the credit being increased for 12-14 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 NUMEROUS 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 accounts 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 XXXX XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}

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 2023-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has a account open my credit reoprt that date XX/XX/2023 which is seven yr old, would like for this to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 Bank of America told me they were closing my account because someone had tried to deposit a fraudulent check but they returned it and that I had to stop my direct deposits. Well one deposit was already on the way to the bank and I was unable to stop it, I have called them everyday trying to retrieve my money and I keep getting told lie after lie about when I will get my money. I have received letters in the mail telling me that my accounts were closed, I have spoken to the claims department and the claims that were on my account have been closed but they still will not release my money. I explained to them that this is my rent money and I am facing eviction without it and they still will not give me my money. I just want what is rightfully mine.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: NJ
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Affirm Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I reported last year that Affirm has loans processed from XXXX that I did not approve. These lose seem to be coordinated or automatically processed in a way customer would not have been able to process. I have email that denied a loan follow by emails that say sorry we werent able to process you {$150.00} dollar loan because purchases was {$160.00} lets try this again but we were able to process {$140.00}. That was follow by another loan. I think XXXX didnt realize the type of cards they were using when the card on file didnt work they tried passed card that triggered new loans that I was unaware. All defaulted loan are tight to XXXX. A total of 4. The loan have been written off but Affirm is still adding interest to these loan. They have ruined my credit by dangerously lending. Affirm will not properly do an investigation since they are not being regulated. Is it illegal to charge interest on a loan that they wrote off and sent to collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
I have opened a charge account with " XXXX Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score.

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above. 
this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that XXXX bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.

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 2023-08-22
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
CMG MORTGAGE INC ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX Not Received Tax Refund for Overpaid Property Taxes for the Following ; Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & XXXX = {$2500.00} Total Amount Not Received = {$7600.00} This company CMG Financial  Services Corporation services my loan for the tax years of XXXX, XXXX, XXXX I reached out to the assessor office to for my tax exemption and realized that I could have qualified for a higher exemption. The Tax Assessors office allowed me to back date my exemption to the year XXXX. I completed the paperwork, submitted it to them, they processed it. I have verified that the XXXX XXXX Tax Assessors Office completed my XXXX Veterans Exemption backdated to the year XXXX. 
The XXXX XXXX Tax Assessors sent Claim Forms to the business on XX/XX/XXXX for the mentioned amounts owed. I cant get this business to resolve my refund issue. They are holding money that is due to me through a refund for overpaid property taxes and will not forward me my money. 
I sent an email to the XXXX XXXX Tax Assessors to check the status of my refund. I was informed by them that Claim forms was emailed to the companies that made the tax payments for the property taxes. 
The XXXX XXXX Tax Auditors Office verified that funds were released for my over paid taxes to business on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was placed on my credit report in XXXX. Since this alleged debt has been on my credit report, I have been homeless 3 times because I can not find adequate housing. Then when it is time to find another home its almost impossible. I have been denied form or passed over for at least 50 apartment homes in the past 6 years. I contacted the CRAs as well as National Credit System in XX/XX/XXXX. I was told the debt was investigated and came back as valid, although 15 usc 1681a ( e ) says to investigate any alleged debt, they would have needed to interview my friends and neighbors ( they did not ). On XX/XX/XXXX I sent National Credit System an affidavit of truth, they never rebutted or responded to the affidavit. I noticed that it was still on my credit report so on XX/XX/XXXX I sent a cease-and-desist letter, still not response or removal. I need help National Credit System is ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2023-04-14
Company: EQUIFAX, INC.
State: NY
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:
Hi got the following on my credit report which is not known to me. 

XXXX ) XXXX  35 hard inquiries and 2 late payments. 

XXXX ) Equifax 22 hard inquiries and 2 late payments. 

XXXX ) XXXX 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting act Experian, XXXX, and 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from XXXX XXXX XXXX from the State of California. Chase bank has put the funds on hold. I am XXXX  and XXXX  XXXX as a result of a hate crime, a woman sprayed bug spray in my face, and another hit me over the head, I suffered a XXXX XXXX XXXX, and three weeks ago had XXXX XXXX  XXXX in my neck. I was awarded XXXX XXXX from the State of California, yet tonight I am hungry, without food, three weeks after XXXXXXXX XXXX XXXXXXXX. 

Chase gives me a hard time every time I make a large deposit, from a music grant I won from the XXXX XXXX  XXXX  and XXXX XXXX in San Francisco, for {$2000.00}, two deposits of {$680.00} from the City and County of XXXX XXXX, and now a {$910.00} check from the State of California. 

After several calls, each with a different excuse, in my last call a manager told me the check is verified, but the State of California hasn't sent the funds. An interesting commentary on our government, but paramount to our discussion, apparently Chase bank is concerned the State of California, the 5th largest economy in the world, won't come up with the money. Chase bank uses terms like " discretion '' as code, so they can make it easier for some, and harder for others. An industry with a history of redlining, and a year removed from the XXXX  XXXX XXXX scandal of purposely overcharging their customers, one of which was me by the way, has not earned trust. 

I am hungry because Chase bank is keeping me from my money in an obvious display of racism. And I protest in the strongest terms.

Company response to consumer: Closed with explanation