BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: GA
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 and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX # : XXXX XXXX XXXX # XXXX and 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 an 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 2022-03-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681

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 2020-03-11
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continued harassment about a debt owed from 2010. Calls after being told several times to please not call this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: DISCOVER BANK
State: CA
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:
I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2017 for my Discover account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to flooding in my household which caused me to have to pay for a place to live temporarily.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a home loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I opened two credit card with American Express . 
1. Blue Cash Everyday card 2.Gold Delta SkyMiles card These two cards had opening bonus so I applied these. 
1. Blue Cash Everyday card Apply at American Express web site. Opening offer is {$150.00} ( or {$200.00} ) cash back if I spend {$1000.00} in 3 month. 
2. Gold Delta SkyMiles card Referred from my friend. Opening offer is XXXX Miles if I spend {$2000.00} in 3 month. 

I spend eligible amount in this month but had not received any bonus ( both card ). 
So, I inquired by chat on XX/XX/XXXX, then American Express said I spent eligible amount but offer had declined so I could not receive any bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
Accounts on my report I do not recognize

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 2023-03-12
Company: Experian Information Solutions Inc.
State: NY
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 reviewed my Consumer Reports and noticed that I had three late payments on two separate accounts with one company that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have been making my payments on time for the last two years for my accounts with XXXX XXXX. I asked for a Covid Relief one month when it was offered in XX/XX/2021, due to not working during that time. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these late payments be updated to on-time to reflect the consistent on-time payments I have made. As, I have been diligent in maintaining a positive payment history and as I stated above. I have not made a late payment in two years going on three. Please investigate. Thank you!

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 2022-12-23
Company: EQUIFAX, INC.
State: NY
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:
Equifax has completely failed to respond to any of my questions are statements made I. My previous complaint. Instead they trie to validate the records which is not the issue at hand. The issue is the validity of their ability to report anything to the credit bureaus without my express consent and wet paper inked signature. Again I will reintegrate. 
1. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. 
1.a. If said document can not be provided within 15 days these alleged late payments should be removed expeditiously. Please read up on 15 USC 1681 Section 602 which states the consumer has the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency without express written consent. 
1. b. Please provide written consent with a signature under consumer law where the consumer has agreed to the violation of said rights. 
1. c. If they can not provide this request document with consumer verified signature expressing full consent their claims become fruit from the poisonous tree and all transactions therefore after are thus illegal activity. Which are fraudulent activities. 15 USC 1681 Section 604 A Section 2 1. d. I demand that company provide this proof immediately as of today, failure to do so may arise in legal action against company for failing to provide authentication of consent in their furnishings. 
2.a. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. It is illegal for the creditors report ANY detailed activities on my credit report. Creditor is only allowed to furnish information on whether a not a transaction was opened or closed. Any other information provided is a direct violation of said consumer law. Late payments are defined as detailed information and goes against consumer law codes. I never gave creditor consent to furnish any information not protected under consumer law. 

I will provide the attached documents where they did not directly answer any of my questions. Instead they tried to straw hat my argument. I will not tolerate that level of disrespect. I will continue to fight for my express rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}

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 2019-10-04
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:
I checked my Experian credit report and I saw evidence of possible fraud or identity theft on my account. There have been a few hard inquiries that I don't recognize ( one being from XXXX  ), but the biggest issue is a collection account. This account was apparently opened on XX/XX/2019 showing the creditor is from XXXX XXXX XXXX with the original creditor being XXXX XXXX. I do not know what this account is and I have also never had an XXXX account at any point. The account is for {$5900.00} and I should have no active credit inquires, hard or soft, this year. Upon researching this company, there are others saying this company is a scam debt collector. I don't want to call them and give them any personal information, as I didn't open this account to begin with. 

I have since filed a dispute claim with Experian, but have not heard anything back.

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 2020-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I HAVE BEEN ASKING USAA HOW USAA PERMANET CREDITS APPEAR ON STATEMENTS. How are they shown on statements different than temporary credits. Good Lord see all USAA CFPB RESPONSES PERMANET CREDITS APPLIED TIMELY. USAA HAS BEEN UNCOOPERTIVE IN PROVIDING THIS INFORMATION FOR OVER 2 YEARS NOW. ( ** I FINALLY FOUND PERMANET CREDITS LISTED ON STATEMENT See attatched XX/XX/XXXX STATEMENT. ** ) XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$170.00} XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$75.00} ( ** AND THEY ARE INCLUDED IN TOTAL CREDITS FOR THIS PERIOD ** ) just as I thought they should show but USAA HAS BEEN DENYING TWO YEARS. SO USAA Where are the PERMANET CREDITS INCLUDED IN TOTAL CREDITS THIS PERIOD XX/XX/XXXX {$470.00}???? PERMANET CREDITS see attatched USAA FRAUD CLAIM DATE XX/XX/XXXX NOW THAT I FINALLY KNOW HOW PERMANET CREDITS APPEAR ON STATEMENT I MUST ASK?? Where are the permanet credits of unauthorized transactions of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN TOTAL CREDITS FOR THIS PERIOD??????? THEY DO NOT EXSIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well it all started i opened a Bank Of America checking account and everyting was going fine i was working depositing money weekly. Until one week work got slow so i decided to take a two day job with a guy who posted an ad on craiglist. Which was suppose to be cash at end of each day but pulled giving me a check on the second day. I deposited as always and thinking nothing of it and took money out for the weekend, not knowing that this guy i only know for 16 hours would have such an impact of my future of being able to survive in a world if you dont have a bank account you can not do anything anymore since everying is thru apps on phone which only take debit cards. But long story straight this guy paid me in a check that the check account it was realated to was closed. And me knowing nothing about this Bank Of America closed my checking account immediately and closeing my account and labeled me as fraudent activity when i had nothing to do with anyone i was actually played as a fool and worst part the bank had nothing to say execpt good by and has no furthur contact with me even though i had tried and tried. I was set up and Bank of america took the easy route and blamed the guy who got scammed. They have no proof against me at all they just needed an escape goat and thhey used the easiest target they could find and they have ruined my life long enought. Im willing to get lawyers and make it go viral on social media because i have heard thousands of people cliaming Bank of america has done this to thousands of good people im guessing a tax rit off and proberly a pay out. But like i said. I have been collecting signatures for a very long time and my aunt a close friend with a senator is on ourr sides. But i will bring a lawyer i will contact the general attorneys office the press and make this go viral where bank of america cant hide behind anyting anymore. I will not suffer for these people anymore.

On that note i am begging you to help me

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 2024-01-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting 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:
ALLY FINANCIAL- XX/XX/2023 XXXX- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 ALLY FINANCIAL- XX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.

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 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
To whom it may concern, I am writing to dispute the following issues with my Bank of America credit cards : * The Bank of America Cash Rewards Credit Card has charged me excessive junk fees, which is illegal. 
* The Bank of America Travel Rewards Credit Card is reporting a missed payment on my credit report, even though I never missed a payment and the account is closed. 
I have never missed a payment on either of these credit cards. I have always paid my bills on time and in full. I have also never received any notice from Bank of America about any late payments. 
I believe that Bank of America is violating my consumer rights by charging me excessive junk fees and by reporting a missed payment on my credit report when I never missed a payment. 
The following consumer laws and codes protect me from these practices : * The Truth in Lending Act ( TILA ) prohibits creditors from charging excessive fees on credit cards. 
* The Fair Credit Reporting Act ( FCRA ) prohibits creditors from reporting inaccurate or incomplete information on your credit report. 
* The Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive financial practices.

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 2023-03-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of XXXX and XXXX from what I am able to see, and this XXXX reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.

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 2023-12-31
Company: Rozlin Financial Group, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam : My former employer, XXXX XXXX XXXX XXXX, has improperly submitted a disputed contract claim to XXXX XXXX XXXX as a collections matter, despite that the contract upon which it seeks to rely in support of its claim is invalid and has been replaced in its entirety by a contract that does not contain any repayment requirements. This is an employment dispute and not a consumer financing or credit matter. I have never gotten a loan from XXXX XXXX  and dont intent to. 

The matter is currently pending before the Court under the aforementioned docket number, and the undersigned 's employment attorney is in the process of filing a motion to dismiss the Complaint for failure to state a claim upon which relief can be granted. The biggest abuse of the Fair Credit Reporting Act I feel it has violated is the fact that they have sold the account to a collection agency and are also suing me for the same amount and case. Again, the only reason I left XXXX XXXX  before my employment contract was up is becuase they replaced my contract in XXXX which canceled out all other employment contracts previously executed. 

This matter does not involve an installment or revolving account, nor is it properly a collection account as there has been no determination that XXXX XXXX has any obligation to repay her former employer for a sign-on bonus. 

To the contrary, the most recent employment agreement between XXXX XXXX XXXX XXXX and XXXX XXXX makes clear that it replaces all prior agreements between the parties concerning XXXX XXXX employment, and it does not contain any requirement that XXXX XXXX repay any of the compensation paid to her in connection with her employment. 
Based on the foregoing, the " collection account '' in the amount of {$110000.00}, reported by XXXX XXXX XXXX, is inaccurate, unverifiable, and improper and does not reflect a debt owed by XXXX XXXX. As such, please promptly delete this information from XXXX XXXX 's consumer file as required by the provisions of 15 U.S.C. 1681i ( a ) ( 5 ) ( i ).

If you have any questions or require further information, please do not hesitate to contact me.

Thank you for your attention to this matter.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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