BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reached out to someone selling a XXXX XXXX XXXX on XXXX for a decent deal ( {$180.00} ). After talking to him shortly, I was comfortable enough and seemed trustworthy enough to purchase it. He sent me an invoice, I sent him the {$180.00} and he said he would get me the shipping information when he shipped it, he claimed 3 hours. 

3 hours went by, I checked in with him and realized that he blocked me on XXXX. Realizing what happened, I immediately contacted XXXX support, to find out that they could not help me due to them " not being responsible '', said that they could not do anything once the money has been sent, etc. - despite claiming that their transactions are all protected. This whole conversation is over text and can share if need be. 

After talking to XXXX and realizing that they would not help me, I contacted Bank of America by phone ( since it was still pending in my transaction logs ), they informed me that I need to wait until it processes and then open a case on the web. This was XXXX XXXX, I forget exact the date. 

As soon as it shows up as processed in the BoA transaction log, I opened a case sent the information to BoA and explained what happened. They refunded the money initially and I stayed in contact with them, then just Thursday, XX/XX/2021 they took the money back out of my account and closed the case telling me that they sided with XXXX XXXX. 

I used my BoA VISA card for these transactions and was under the impression that this type of scamming was protected by XXXX, or at the very least VISABank of America ( my bank ). 

Bank of America , VISA & XXXX XXXX are seemingly all platforms that support scammers and do not support the " purchase protection '' that they all claim. This should be, at the very least, known to the public.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: SC
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:
EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2023-12-01
Company: Bread Financial Holdings, 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 just disputed this this and they made it worse. They made a old account new again and they lied on my credit report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: VA
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:
On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
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:
I mailed XXXX  & Experian a letter on XX/XX/XXXX. I have student loans on my credit report that are fraudulent. I never taken out any of these loans. I only took out one XXXX XXXX XXXX in XXXX for XXXX but there are 2 loans on my report for over XXXX each ( principal amounts ). 
I have also never done business with XXXX. They claim to have obtained the loans from XXXX XXXX. During my investigation I found out that XXXX sold the fraudulent loans to XXXX. They are both trying to collect on the same debt which was fraudulent from the beginning. None of their documentation has my physical signature on them which is required under Section 611 ( 5 ) ( A ) of the FCRA. My name is typed in on the documentation but XXXX said they verified the account. I requested proof and all they sent me was a copy of my credit report with the loans on it and said the loans are verified. 

XXXX  followed the proper steps and deleted these items from my report & I thank them.

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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : CAPITAL ONE XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit 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:
I have contacted American Express customer service XXXX separate times to inquire about when I will receive my welcome offer of {$300.00} credit and {$30000.00} mileage points associated with Offer Number XXXX, since I made the qualifying purchase of over {$1000.00} on XX/XX/2023. The last time I spoke with American Express on XX/XX/2023, the customer representative opened a case { reference number XXXX ) since he could not identify why I had not received my promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Lexis Nexis is reporting many accounts. I have asked them to freeze my account and correct the information. 

They are reporting Florida XXXX XXXX XXXX information incorrectly. 

I want all of the information pertain to this case removed from my credit report. First it was never late. It was paid off as agreed. They are not report the correct information and I do not give them permission to report any information pertain to Florida XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Synovus Bank
State: TX
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:
In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with CB & T who is now known as Synovus. I reached out to XXXX to report the error on my file and I made numerous attempts to resolve with Synovus by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided Synovus all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a Brinks prepaid card with my full name on it sent to my house. This is very alarming because when I went to call them you cant get a live representative to ask how this happened when I NEVER applied for this, it makes you activate this card and provide your social, so of course I hung up and the messed up part, is that there is FULL account information on the paper as well. Account and routing number with my name and address. This is ridiculous how this happened!

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, 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 2015 OPM 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. 
XXXXXXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge was made on our Chase XXXX card in the amount of {$10000.00} to The XXXX XXXX on XX/XX/XXXX. The service was for a time share exit. After several communications with The XXXX XXXX, and their agent, XXXX XXXXXXXX XXXX, it was apparent that they were not able to assist us. Their delay cost us an additional fee increase of {$700.00} to exit XXXX XXXX XXXX XXXX through their XXXX program. On our own, we finished exiting the second timeshare on XX/XX/XXXX, thus avoiding membership and maintenance fees, totaling {$2900.00}, due XX/XX/XXXX. We requested a refund from The XXXX XXXX, but they refused. We contacted Chase to dispute the charge as Chase claims to protect from fraudulent vendors. The charge was disputed in XX/XX/XXXX and documentation explaining the incident was submitted. In XX/XX/XXXX, Chase CLOSED the dispute with the following comments : " Dispute outcome -- Credit issued. We reviewed your dispute with the merchant and decided in your favor. We closed this dispute and changed the temporary credit we issued your account while your dispute was still under investigation into a permanent credit. '' XXXX was made on this statement and the permanent credit. I placed reliance upon Chase Cardmember Sevices written decision, and spent that earmarked $ XXXX money on a home irrigation system. Legally, promissory estoppel should prevent Chase Cardmember Services from changing their written decision, on or about XX/XX/XXXX. Chase rebilled the charge to our closed credit card account and charging interest on the {$10000.00} twice reversed charge. Chase Executive Office investigator XXXX ( no last name provided ) has not returned my telephone calls, and no manager was available today to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: AZ
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:
On my XXXX XXXX Credit card, all three reporting Bureaus are reporting for the month of XXXX as " Over 30 Days ''. I have repeatedly disputed this information including my statement showing that the payment was made before being 30 days late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL 3 major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2023-05-14
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im confused to why kimball sold my debt XXXX XXXX  XXXX  but theyre still showing on my XXXX  report twice and one time on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

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 2023-01-03
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:
There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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: Old information reappears or never goes away

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: EQUIFAX, 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:
Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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 found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Personal information incorrect

Complaint:
( 1 ) Experian credit report is showing that I applied to XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 I did not. Experian did not investigate this hard inquiry. Experian did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXXXXXX, Experian and XXXX are not reporting my correct address XXXX XXXX XXXX  XXXX XXXX, CA XXXX Experian and XXXX are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances

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