BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America had closed my credit card and did not give me any way to redeem or cash out my cashback rewards. They closed my account without any notice until after the fact. I had called them to get my rewards but they said once the account was closed it rewards were gone.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} 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 non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-12-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name XXXX 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 2022-11-28
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 USC 1681. 

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 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. 

I am a victim of identity theft. I requested that this account was blocked ( XXXX XXXX # XXXX ) This information did not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. XXXX has failed to remove this from my report in the according to the following ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In reference to Case ID : XXXX. I in fact am not responsible for the charge below : Date : XX/XX/2023 Amount : {$150.00} Description : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The merchant did not deliver the goods as promised. When I arrived to complete check-in at the hotel I observed bed bugs, stained mattresses, and poor room standards. The room I purchased with the merchant XXXX was not the same room standards that were actually presented at check-in. I immediately declined staying at the hotel. I was in the hotel room all of XXXX minutes. The front desk clerk informed me that the XXXX XXXX  XXXX would not be able to reimburse me because I purchased the room with XXXX. I was informed by the clerk to obtain my full refund from XXXX. I was out of town for a family wedding and was hugely inconvenienced. There were no other hotels available at the rate I purchased the XXXX XXXX  XXXX. XXXX XXXX  declined any refund stating that I authorized the charges. I was treated extremely poorly by XXXX 's customer care support team. I agree that I did authorize the charge with the condition that I would be provided a clean, healthy and upstanding room. The merchant failed to provide the " goods as described '' and I did not get to utilize the services I invested my monies into. At the last minute I had to come out of pocket a total of {$300.00} in additional monies. I opened a dispute with CitiBank. I sent all requested information to CitiBank. Citibank notified me that CitiBank would side with the merchant because the merchant provided their rebuttal stating I approved the transaction. However, XXXX is responsible for holding the hotels, airlines, and car rentals responsible for providing substantial services to XXXX 's customers. XXXX is not to hold the consumer responsible for the lack of good faith provided by XXXX 's contractors. 
Exhibit A shows the photos of the actual room conditions of the XXXX XXXX XXXXXXXX. Exhibit B shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in 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 monetary relief
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail about Chase bank closing my account for suspicious activity. Today is XX/XX/2023, I called the number on the letter regarding any questions. I asked on why they were closing my account and they had no response back. They said just because and there were no details in the system on why it was being closed and there was no one I can speak to. I decided to go to one of their branches to speak to a manager and they said that they were entitled to close any accounts they want. My concern is why are they closing my account and if theres a suspicious activity on my account, I believe I should be informed. My account has been in good standards with them and Ive been banking with them for over 15 years. I checked my statements and transactions to see if I saw any illegal activity but I have none and Im a working guy who pays his taxes and have no issues with the IRS or my bank. I havent dealt with any fraud in my account and I have money in my account to comply with their rules. It cant be my credit score either because I have a good credit score. Inwojkd like to have my account reopened or at least tell me whats going on and why is my account being closed for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CCF Intermediate Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am sending this complaint because of this company speedy cash they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened XXXX min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector XXXX as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have tried to stop all marketing and solicitation from credit card companies. for the past three years i have been trying to repair my credit. part of my program was to stop credit card companies from soliciting me. During the process, i also asked not to be marketed to using the direct marketing opt-out. 

I have tried to get American Express to stop trying to sign me up for new services. I have tried to work with American Express on several occasions. I have been determined to be ineligible for my requested service. American Express says i am not eligible to use there business Gold travel rewards card. I was also declined for their XXXX sponsored credit account. American Express explained there reasoning and i asked not to be marketed too. This was not only American Express this is all credit card offer. 

About one or two years ago i asked to discontinue marketing and solicitations from American Express. I made this request using an XXXX  opt-out request and a credit card marketing opt out and a direct marketing opt out. most of the solicitations have stopped, although American Express continues to solicit my business. I have even gone as far to add my email addresses to the opt-out. American Express still ignores my request. 

American Express continuing to ignore my requests puts my credit rating at risk. by not having marketing and solicitations i am less likely to apply for new cards. this makes my inquires lower and this improves my overall credit. I have spent a great deal of my own money to improve my credit. I have also spent a great deal of time to improve my credit file. I take offense to the fact that American Express refuses to follow the rules about marketing to me at my addresses ( including email ) I am very tired of seeing American Express advertisements in my email and mail box. I have asked in what i thought was the most civil way possible not to be marketed too. I continue to receive these marketing efforts. I believe these actions are illegal and i also believe i am entitled to restitution or restorative or liquidated damages for duress this causes. I have asked to be left alone. I do not want to be contacted for anymore marketing materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C 1681 section 602 A states, that I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting an agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposit a check in the amount of XXXX and they took it at first saying there was a Lein. I knew this was fraud for I have no children. Or child support. Or contracts with California state. Then they changed the actual deposited amount to XXXX to hide the fact they stole it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name XXXX 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from XXXX XXXX XXXX that stated they do not release any information related to my bankruptcy. 
I then requested that XXXX, Equifax, and XXXX reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TN
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 disputed all three bureaus no change, I have no knowledge of this inquires if you could help me i would appreciate it so much I'm XXXX and a veteran thank you the accounts are listed XXXXXXXX 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 All this accts are hard inquries and i have no knowledge or gave no permission. I disputed XX/XX/2023 XX/XX/2023 no changes on my report XXXX XXXX experian thank you 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 2019-03-18
Company: Experian Information Solutions Inc.
State: AK
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-10-12
Company: Blackhawk Network Holdings Inc.
State: KY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The date today is XX/XX/2023. I've been trying to activate a prepaid virtual card worth {$50.00} with the company MyPrepaidCenter ( online via their website ). I tried entering the code and it says " oops! There's an error on our side. Try again later. '' I even tried registering and making an account with them but got the same error message when trying to sign in. The site is completely broken. 
So I called the company to get help. They asked me what browser I was using and I told them I tried on XXXX and XXXXXXXX XXXX. They told me I needed to redeem my code by using XXXX XXXX and if I have any issues after that, to call them back. The operator told me he wasn't allowed to stay on the line while I downloaded the browser. I told him that was fine and if I had issues, I'd give them a call. 
I downloaded XXXXXXXX XXXX, tried again, and still had the same issues. I called back and left my email with a different male operator. According to him there's an issue with my code that makes it broken and this is a known issue. He said I would be emailed a new code and I've yet to receive an email. Checked my spam folder and everything. No code, link, or anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Cards were open from XX/XX/2013 until present day. Amounts range from the amount of XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief