BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: PA
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:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine -- letters have been sent certified mail and return receipts have been received by me. 

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : -- XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CITIBANK, N.A.
State: MN
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 purchased a dress from Macys and returned the dress. I have proof of the return. 
The purchase remains on my Macys account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) Macys has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. Macys continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX ). 
I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.

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 2021-06-15
Company: EQUIFAX, 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 have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  and XXXX  are not reporting this account, Equifax is reporting a status of 120 days late but does not provide the dates the account was paid late. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00} and Equifax is not reporting this account, XXXX XXXX  : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Approximately on XX/XX/ I went to purchase some food using my citi bank card and it was declined. I immediately called citi bank to find out why it was declined and customer service was rude and hung up on me without any explanation. Then I called the fraud dept and they told me that my acct was being investigated ( for what I have no idea ) and they wouldn't tell me why, so I demanded to talk the supervisor and he proceeded to tell me that all investigations are handed by the 'backroom ' and that I would get a letter in the mail stating why my acct was closed and that it would take 60 to 90 days after the investigation for them to release my money. Keep in mind I never had overdrawn nor had a check bounce. I then called Citi bank main branch and asked if I can get my money. They told me if the fraud dept posted a note next to my acct they would let me withdraw my funds. So I called the dept and they wouldn't post it. I demanded to know why they did this and why wouldn't they work with me ( cause I haven't done anything wrong ) they hung up again. I called them again and told them that I can't go without any money for 60 to 90 days, that I have bills to pay, XXXX is around the corner, ect. It didn't seem to matter they just said I had to wait the 60 to 90 days. I don't understand why they closed my acct they won't tell me anything, I haven't gotten any letter from citi bank stating why it was closed. I can't access my acct with my mobile app. I have over XXXX in my acct and I can't even get gas in my car and I haven't done a XXXX thing 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 2023-04-10
Company: EQUIFAX, INC.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Synovus Bank
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I sent a {$400.00} deposit to first progress credit card company for a secured credit card 30 seconds after they took my money from my bank account. They requested I upload documents because they could not verify who I was. I asked how do you take someones money before you verify who they are, they asked for me to mail my documents to them instead of uploading them I requested my money back on XX/XX/XXXX. They said it would be XXXX to XXXX business days. This is a believe the XXXX th day. I have begged for my money back because its all that I had. They asked me to fax some information but I never got a fax number or what to fax. This company came number one from XXXX. This company is totally 100 % a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-07-16
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/XXXX, I received an offer from American Express Credit Card to receive XXXX membership reward points if I added an authorized user to my credit card by XX/XX/XXXX and the user spent {$2000.00} on the card within 6 months of opening. 

I added an authorized user on XX/XX/XXXX and received email confirmation of their approval on XX/XX/XXXX. Further, I confirmed I spent well over the {$2000.00} within 6 6 months to qualify for the reward. 

A month after doing so I reached out to American Express to see when my points will be rewarded and was told it could take up to 8 weeks.

After not receiving any points within 8 weeks I followed up around XXXX of XXXX and had a customer representative open a case to review. I never heard back from American Express on this so I called a customer service representative on XX/XX/XXXX, who told me the case report said I was not eligible for the offer because I added the authorized user after XX/XX/XXXX. Since I know that is not the case ( and have email prood ), I requested to open a new case and attach a copy of the email approval on XXXX as proof that I qualified for the offer. 

On XX/XX/XXXX I followed up on my new case with a representative who told me my case was reviewed and the outcome of the case was that I never had the offer on my account that I claimed to have. 

I am getting really frustrated because I keep getting different information every time I call, and feel like American Express is trying to avoid giving me the reward I deserve. 

When I call their customer service line, I am only able to have a representative open a case for me, rather than review it live. The team that reviews these requests is back-office which makes it impossible to get a clear answer. 

Please help me get the points I deserve. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I did not receive any disclosures on opting in or out of credit reporting at closing. I have asked for the opt-in and opt-out documents, in addition, I need a copy of the 3-day recission documentation that outlines that I had 3 days from the date signed to cancel the loan. These are all supposed to be given to be in line with Federal laws / RESPA/.

The Company repeatedly sends a copy of a Note and DEED not signed by them so there is no agreement.

I have ALL the original closing documents and there are no opt-in opt-out in regards to credit reporting and 15 USC 1666 B, states that they need my permission. RESPA, and TILA disclosures are also not in the closing documents in regards to the 3-day right to rescind. 

Do to the strain of fighting with the bank I am facing a divorce and have advised the Bank to forward all mail to XXXX XXXX XXXX XXXX GA XXXX to ensure that I receive their correspondence.

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 2023-12-08
Company: DISCOVER BANK
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received from my employer on XX/XX/XXXX a letter indicating they were required to withhold from my check 25 % of my disposable earnings until my debt is satisfied. They were directed to withhold {$10000.00} in total from my wages. I contacted the attorney representing the plaintiff but {$500.00} was taken out of my account on XX/XX/XXXX. They were successful in taking another {$500.00} on XX/XX/XXXX. I had this credit card more than XXXX years ago. I believe it was closed in XXXX or XXXX. A Default Judgement was issued in XX/XX/XXXX. 

1. The statute of limitations for the credit card debt is closed. 2. I previous lived in XXXX  that has 4 years of open-ended accounts statute of limitations. I moved to XXXX in XXXX  that has a statute of limitations of 5 years. The debt is a time-barred debt, therefore no longer legally collectible because the statute of limitations has run out. 3. I am certain at least 30 days would be required for us to settle this matter before funding could be garnered out of my account. 4. I am quite certain the credit card in questioned had a credit limit of {$2500.00}. And, 5. The information submitted to the court was dated XX/XX/XXXX. I had a XXXX in XX/XX/XXXX. I did not move to the address on the paper work until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Genesis FS Card Services, Inc.
State: TN
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:
On XX/XX/2022, I received a statement from Genesis FS Card Services for a Destiny Master Card, that I hadn't applied for. It had a {$300.00} credit limit and a charge for a {$75.00} fee. 
On XX/XX/2022, I called their # at XXXX and reported this to them. The person who answered the phone had a very heavy accent and was very hard to understand. The only thing I could understand was, he would mark it down as fraudulent and for me to contact the credit bureau. I intend to file a police report, contact the credit bureau ( s ) and file a fraud alert with them. Their address as listed on the statement, is XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CCS Financial Services, Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against CREDIT COLLECTIONS SERVICE, which did not properly notify me of this debt at that time, therefore I have no responsibility for payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This lease company is a fraud. The company listed on my credit report is not the company that we did business with. The company leased out a vehicle they new had damage to the parts, they refused to fix it than they received the vehicle back and they are lying and saying they did not receive the vehicle when infact they did. The company that is not listed received over {$8000.00} for a six month lease on a vehicle they received back and that was not in the contract. Now it on my credit report looking like I did the fraud when I did nothing wrong, this the fraudulent dealings of this leasing company that is not even listed on my credit report, the company listed on my credit report is not the company I had contracted with. This entire car/auto loan is not a loan it is a lease and everything listed on my credit report regarding this account is wrong, it 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 2023-07-16
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : Account Name : Bridgecrest Formerly Dri Account Number : 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 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 explanation