BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: GA
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 3 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 action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00}

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 2023-10-24
Company: U.S. BANCORP
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the dates are wrong on this account dates of last payment should be XX/XX/2018 and not date absolute bought the account and balance is not correct, need account number and name of company for my research 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 non-monetary relief
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: IN
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: OH
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 and Experian will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.

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 2023-02-21
Company: STERLING JEWELERS, INC.
State: OR
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:
Opened an account XXXX with Kay jewelers. In XXXX Sterling jewelers showed up on my credit report. I have never had an account with Sterling jewelers. I believe after speaking with Sterling Jewelers and their lack of cooperation. In order to continue reporting the collection account, after the Oregon statute period of 6 years, they used a new name and reported the account open in XXXX. The Kay account I had was closed in XXXX and never reopened. This account is over 8 years old. 
I have never had an account with sterling jewelers. 
XXXX XXXX XXXX XXXX stated they are allowed to collect under any name as long as they purchased the debt. The information on my credit report is completely in accurate. Despite requests to report accurately and multiple disputes they will not correct my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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 report credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX I # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 furni instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of cr 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 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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I applied to renew my driver license and DMV said they mailed to me at XX/XX/2023. But our communities mailboxes were broken in. I never received my renewed driver license. It was stolen. 

1. On XX/XX/2023, someone else wrote a fraud paper check, pretending to transfer money from one stranger 's XXXX XXXX account to my account. The Chase bank agent said the other guy used my driver license at one Chase local branch and then forged my signature, then cashed out the money. On XX/XX/2023, Chase bank system posted the " deposited item returned due to account frozen '', withdrawing money {$3700.00} from my account. I lost {$3700.00} due to the fraud activity. I got this lost recovered on XXXX XXXX, 2023 as Chase gave me reimbursement. 

XXXX. However, another same fraud activity happened on XX/XX/XXXX, the other guy used the same method writing a fraud check from another stranger 's XXXX XXXX account ( different from previous one ), forged my signature and used my stolen driver license to cash out the money. The Chase bank system withdrew my money on XXXX XXXX, 2023 saying " deposited item returned due to account closed ''. This time I lost {$3600.00}. I haven't got this part of loss recovered. 

2.1 As you can see, from XX/XX/XXXX to XXXX XXXX, 2023, the paper check record takes a long time to be posted. And the worst thing is that the local branch didn't perform solid verification and let the other guy cashed out the money from a fake check. 

2.2 It takes pretty long time for me to get a response from Chase bank investigation unit about my case of losing {$3600.00}, I have been waiting for more than 2 weeks. Each time they required me to send back more details/ documents then it is another week 's wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
US Bank offers a reward point system as their " cash back '' on credit cards. These points are transferable to cash, or redeemable via a US Bank portal, however to redeem to cash, you can only do so in units of XXXX points. All promotional materials for US Bank credit cards note that you can receive " cash back '' for rewards spending on their credit cards, but there is no where, including in the card member agreement, that tells you that the redemption can only occur in units of XXXX and that you must have a minimum of XXXX points [ equivalent to {$25.00} ] to redeem points. This is deeply misleading to consumers as nowhere in promotional material does it suggest that redemption of rewards would be restricted like that, and then once you have an account, you need to constantly spend in order to achieve certain points totals, and unless you exactly mete out spending, there will always be 'superfluous ' points that can functionally never be redeemed for their cash value.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is 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 explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 UCS 1681. 

XXXX XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report, I discovered that a collection agency called Account Resolution Service is pursuing me for an outstanding balance of {$630.00}, with a collection date of XX/XX/2021. According to their report, I visited XXXX XXXX XXXX XXXX on that date, but I have never been there or had any business with them. Upon further investigation, I discovered that many others have also been wrongly sent to collections by this company for services they never received or were not billed for. This fraudulent activity is damaging not only my credit score but also the credit scores of numerous others. It is imperative that this company is reported and held accountable for their actions. They have call me endless times to my phone number and I continue to tell them I do not know this place and they continue to persue with harassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
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: Billing dispute for services

Complaint:
Truist Bank issued a XXXX XXXX to me, that I never requested or received. Fraud charge of {$20.00} was placed on this new card. I was at the bank when we discovered it, reported it to credit card department # XXXX & reported that it wasnt me, I NEVER HAD THE CARD. Closed the account right then and there on XXXX XXXX. Since then with multiple calls from my bank & me to this agency. NOTHING HAS BEEN DONE!!!! Except added late charges to this closed/frozen account ( now charges are $ XXXX ) ALONG WITH MY CREDIT SCORE GOING DOWN FROM XXXX to XXXX as of XX/XX/2023!!!! I keep getting the run around on this fraudulent charge and Now its missing with my credit rating.. Can you please assist me, Im getting no where but, do have a Claim # with the credit card company. They said it should take 2 bill statements to clear up but, you can see its been almost 3 months & ruining my life & credit!!!! The credit card company is now calling me for late payments!!!

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 2023-04-21
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited {$41000.00} into a high yield savings account with Marcus on XX/XX/XXXX for the account opened on XX/XX/XXXX. My daughter referred me from her Marcus account so that we could both get their 1 % 3-month referral interest boost. I was immediately locked out of my account. I called them in early XXXX and was told I'd have to complete an Affidavit of Identity Form. I completed this form and sent it back immediately, paying to have it notarized. I did not hear from them and was still locked out, so I called them back and was told my form wasn't notarized ( even though it was ). They said they would send me another form to complete which I never received. 

XX/XX/XXXX I received an email that they closed my savings account. I called and was told they had closed it due to the funds not being claimed. What were they going to do with my money? I was told they would investigate this and to call them back on Wednesday, XX/XX/XXXX with no direct number to call except their main phone line to go over my case and have my funds transferred back to my bank. They haven't communicated with me and I've been on hold for hours trying to resolve this with them. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error. All of the 8 accounts under the Dept of EducationXXXX  were deleted before but why it come back again? Please investigate all those accounts and delete them immediately. The same applies for XXXX account. In total of 9 accounts.

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 2023-04-15
Company: U.S. BANCORP
State: KS
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:
This is XXXX XXXX on XXXX XXXX I noticed on my credit report some inquiries that I did not authorized the first one I see is XXXX XXXX on XX/XX/XXXX. The second one is Elan financial on XX/XX/XXXX and XX/XX/XXXX. The third one is XXXX XXXX XXXX XXXX on XX/XX/XXXX. The third one is XXXX on XX/XX/XXXX. the fourth inquiry was XXXX XXXX on XXXX on XX/XX/XXXX, XX/XX/XXXX. I would just like for the inquiries to be removed thanks.

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 2023-09-29
Company: CITIBANK, N.A.
State: TX
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:
I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX, and I noticed that there were several inquiries that I did not authorize or recognize. My concern is that these unauthorized inquiries are having a negative impact on my credit score and making it more difficult for me to obtain credit. I have already contacted the three credit bureaus with no real solutions. Therefore, I am requesting your assistance in investigating this matter and ensuring that my credit report is made accurate. I have also attached a copy of my fct report please review it and remove all of the unauthorized inquires because i was unable to list them all here. 

I appreciate your time and attention to this matter. I look forward to hearing from you soon. 
By : XXXX : Whiting All Rights Reserved

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 2023-11-01
Company: EQUIFAX, INC.
State: CA
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:
I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Early Warning Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Recently I have been denied opening bank account because you are falsely report an alleged debt. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023 containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm.

Kindly govern yourself accordingly.

Company response to consumer: Closed with explanation