BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: Kriya Capital, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Amsher Collection Services, 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: Was not notified of investigation status or results

Complaint:
Regarding AMSHER, In my complaint, I never received notification of this debt prior to credit reporting which is a violation of the Fair Credit Reporting Act. I am currently purchasing a home from XXXX, and it was brought to my attention that I had an open collection from AMSHER. The credit report company made me aware of the debt via credit monitoring and as soon as I was aware I called to try and resolve it. Also I did not agree that the debt was valid but I paid it because I thought it would help secure your home purchase. unfortunately, they are refusing to delete or remove from my credit report, which is causing an issue with me purchasing this home at the moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX has committed countless acts of fraud toward discover including but not limited to synthetic Id theft by creating synthetic identitys XXXX XXXX who does not exist and having that synthetic ID piggy back off of her to build a score and defraud lenders. She also has done countless chargebacks including hotel stays and airline tickets. I believe discover is complicit as I have been reporting these incidents for some time now to no avail. I will attach her fake drivers license with her face and the fictitious name she created then added it to her discover card as an authorized user. I will also attach the fake profiles XXXX  XXXX  info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: LA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CA
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have previously disputed these claims in which they were removed from my credit report. 
Complaint XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 These accounts are back on my credit file and the credit reporting companies are refusing to delete them back off. They are misusing my credit and ruining my credit reputation. In accordance with the fair credit reporting act have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-02-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to report an ongoing issue with a credit bureau regarding the removal of fraudulent inquiries from my credit report. Despite multiple attempts to contact the credit bureau, they have failed to remove these fraudulent inquiries and have violated my rights under the Fair Credit Reporting Act ( FCRA ). I request your assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX and Transunion allowed XXXX XXXX XXXX to report to accounts to my credit file without verifying. XXXX XXXX XXXX has violated the Fair Credit Act. This company did not send anything to me in mail for debt validation and they never sent out a bill to me at all. This company did not allow me the right to dispute this debt in 30 days. I would like these two accounts removed from all three credit bureaus immediately. 

XXXX XXXX XXXX amount {$72.00} XXXX XXXX XXXX amount {$62.00}

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 2019-05-26
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EOS CCA is falsely reporting a collection on my credit report. Debt was from a XXXX account that was already disputed, settled, paid, resolved and removed from my credit report ( s ) by another collection agency. EOS CCA is in violation of FCRA for trying to report debt that was already settled and removed from my credit report ( s ). The debt they are trying to collect on is {$350.00} which appeared on my credit report ( s ) on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery continues to harass me on XX/XX/2022 I sent portfolio recovery and email to their customer service to cease and desist and to stop all communication with me and to remove that because I refuse to pay it because I do not believe it's not XX/XX/2022 I received a letter in the mail along with receipts stating that I owe portfolio recovery {$410.00} it does not State exactly what the charges are for I have no idea they continue to harass me after I told them to see all communication Also the address on the statement and the address that's on the letter to not match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: ALLY FINANCIAL INC.
State: NC
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 {$3200.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) XXXX {$0.00} 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 ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights

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 2023-08-15
Company: EQUIFAX, INC.
State: CA
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 A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Collection Associates, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My XXXX XXXX was Adversed with a collection account on XX/XX/2021 By Collection Associates , LTD . They refused to provide a Validation of debt pursuant to the FDCPA. They have perpetrated Aggravated Identity Theft against Me along with STRONGARM collection tactics that we outlawed years ago. The repeated called third parties and nearbys attempting to contact me by repeated calling for weeks when they were advised I did not reside there and to NEVER call again. They threated an XXXX year old woman with " legal action '' if she did not provide my telephone number to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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.

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 2021-10-18
Company: JPMORGAN CHASE & CO.
State: CO
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:
Hello, I have a credit card issued by Chase and co-marketed with Southwest Airlines. The product is a Southwest Rapid Rewards Priority Card. 

The card advertises 4 free Southwest Upgraded boardings every year. In brief, at the airport, you pay $ 40-50 board the plane earlier and Chase is supposed to issue a credit for these charges. However, after over 6 attempts to use this benefit, every single time I try to use this benefit, the airport Southwest gate agents have stated that upgraded boardings are available but that that specific Chase card is declined as a payment method for this benefit ( their system errors out and says invalid payment method ). To be clear, this is not a capacity restriction, I've been told that I would receive a specific boarding positon such as A5, but when the agent tries to run the payment, there is a system error. This makes this advertised benefit impossible to use. My most recent specific example is SNA-DEN on XX/XX/21 with flight 4721 if this is helpful to the airline 's trouble-shooting. In all of these cases, the card was in good standing with many thousands of dollars of remaining available credit line.

In brief, the promised benefit of 4 free Southwest Upgraded Boardings every year is a benefit that is impossible to actually use due to an apparent technical error on the part of Southwest and/or Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
THIS STATEMENT IS FACTUALLY INCORRECT. Bank of Americas response to my recent complaint. 

On XX/XX/XXXX, you contacted our Estate Servicing Operations department to inform us of the passing of XXXX XXXX XXXX. Please accept our condolences for your loss. On XX/XX/XXXX, we received a copy of the XXXX XXXX for XXXX XXXX XXXX. On XX/XX/XXXX, you contacted our Customer Service department and requested the closure of account ending in XXXX that you shared with XXXX XXXX XXXX. On the same day, the referenced account was placed in a closing status. On XX/XX/XXXX, we completed the closure of account ending in XXXX. On the same day, a check for the funds in the account of {$20000.00} was issued to you and sent to the address on file via XXXX tracking number XXXX. We can confirm the check was delivered on XX/XX/XXXX. Please be assured that your concerns have been shared with our senior management team as an opportunity to improve the service we provide to all clients. We hope that you will allow us the opportunity to restore your confidence in us in the future. Thank you for sharing the details of your experience with us. We sincerely regret the inconvenience and frustration this matter may have caused. Our goal is to provide professional, courteous and responsive service at all times. We apologize that, in this instance, we did not meet your expectations. 
MONETARY RELIEF AMOUNT {$20000.00} THE CORRECT INFORMATION : I reported the passing of my mother, XXXX XXXX, on XX/XX/XXXX. Bank of America withheld funds from my mothers estate for months, despite submitting the required notarized forms and death certificate, often multiple times. 

Only until the CPFB intercede did they finally release the funds. 

A request for the remaining funds of {$20000.00} was initiated on XX/XX/XXXX. Until the CPFB again intervened was the matter closed on XX/XX/XXXX. There must be recourse to their practice of denying funds for as long as possible.

This pattern of of withholding funds and the repeated requests for documents already sent to the bank is unacceptable. Merely returning funds in fear of CPFB response does not follow standard bank practices and, in my opinion, illegal.

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 2023-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Chase Bank regarding my Prime/Visa card. To begin I must have inadvertently signed up to go paperless when I applied for the card, as the lady I talked to said often happens. 
I made my first charge on XX/XX/2023 but I never received an email or text invoice or any communication with Chase until I received a paper notice this week with a {$29.00} late fee. We have never paid a late fee and while I should have been more careful I belief that the late fee was the result of Chase 's poorly designed website because Apparently I was not the first person to fall into this. 
When I called Chase 's customer service line the girl could not help me because I could not verify I worked at any of the Corporations they named or lived at any of the addresses they had. She said that a representative would contact me but I know how that works. I just want this resolve one way or the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im having a issue with XXXX and Equifax credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
XXXX and Equifax is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my credit card information was stolen and used to purchase a {$3200.00} airline ticket from XXXX to XXXX. The credit card company resolved the issue and refunded the money, however, I did want to report this individual as I have his full name, flight, itinerary, and additional PII. He also stole my other identifiers, including home address, phone, email, etc.

Company response to consumer: Closed with explanation