BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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:
In accordance with the FAIR CREDIT REPORTING ACT The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights The Bureaus Collection Account # XXXX has violated my rights 15 U.S.C section 602 A. States i have a right to privacy 15 U.S.C Section 604 A Section 2 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 other adverse item of information other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-06-26
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:
XXXX  merely verified that the account in question, SEARS, listed the amount past due correctly. My complaint was that I did not owe SEARS the amount as the account was XXXX   when the items were returned. SO I didn't owe SEARS any money at any time. XXXX   completely did not understand the issue. SEARS needs to fix the bookkeeping error. Item was a dryer. Purchased in XX/XX/2018. Returned XX/XX/2018 because it took SEARS that  long to get someone out to pick it up. The company was at fault. Meanwhile a {$27.00} payment came due and the account never got credited or updated to eliminate the {$27.00} payment that was no longer owed due to the item being returned. I have a letter from SEARS crediting the account but it is not in the statement. It is simple billing error and no one is following up. It just takes one genius ... .please if you're out there this is an easy one ... none  of the customer service reps can follow what I'm saying and my credit has been ruined. It's true SEARS has that amount listed. However, it is not true that I owe it.

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 2022-02-15
Company: EQUIFAX, INC.
State: NJ
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:
How many times do I need to complain about this before the CFPB takes action or are you folks in the pockets of the credit reporting agencies? On my last set of complaints, I reported that EQUIFAX has and continues to show duplicate accounts over and over again. These accounts and balances are counting against me for utilization as well as a debit ratio. I am yet again providing information obtained directly from EQUIFAX credit monitoring which I pay for. Insult to injury considering the morons they have working for them in the investigation department. They could not investigate their way out of a XXXX corner. Lastly, HOW many times is it going to take for EQUIFAX to remove the 24 fraudulent credit inquiries that are on my report? I have submitted to these idiots my identification which they claim for the last 10 times submitted they um never got ; along with my FTC affidavits. Again lost in the mail or cyber mail or fax. I am going to give the CFPB one last chance to hold EQUIFAX accountable otherwise my next course of action will be to sue EQUIFAX in federal court and make the CFPB look like a bunch of XXXX because it could have been resolved however this government organization seems to have no teeth what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In XX/XX/XXXX I received a lawsuit from Kings credit services for the amount of {$880.00} for a medical bill from the provider in XXXX of XXXX. My insurance was provided at time of visit and other bills ( hospital and radiology ) were paid. 
Kings credit services never informed me that this bill was never submitted to my insurance. They stated it needed to be paid by me and I never provided my insurance to the hospital. My insurance investigated this and was informed by the hospital I had a zero balance. In XX/XX/XXXX a judgement of default was placed against me for the amount of {$1100.00} from Kings Credit Services, they added interest. I was informed on XX/XX/XXXX from the Collection agency that they cant wait for XXXX to pay the bill even though the provider never billed my insurance because they placed a judgement against me and they are threatening to garnish my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I first sent my complaint to Equifax back in XXXX XXXX XXXX  2017. Along with police report and supporting documents.  Explaining to them about the problem that I was having with XXXX XXXX for a fraudulent foreclosure against my property. After receiving my credit report. I asked to please remove XXXX XXXX  from my credit report. And said me a letter in writing updating the report wish Equifax refuse to do. I was told that there were not be able to do that write a letter but they would remove it from the credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Paramount Recovery Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company attempted to fraudulently collect on a debt not owed nor opened on dates reported on my credit report on XX/XX/2022. I was alerted of a data breech regarding my personal information on XX/XX/2022, from a company ( XXXX XXXX ) out of XXXX, Texas and almost exactly a month later a company ( PARAMOUNT RECOVERY SYSTEM ) also out of XXXX, Texas tries to fraudulently collect on the same exact account I gotten removed no letter of this debt or original contract of proof was ever sent to my home address! This collection agency has called from several different fraudulent numbers harassing and not stating accurate information! XXXX already deleted off my credit report on XX/XX/2022 but the company attempted to report to XXXX I disputed that. Today XX/XX/2022 i got an alert from XXXX and i just disputed that according to XXXXaw code 15 USC 1692 PARAMOUNT RECOVERYXXXX XXXX XXXX XXXX XXXX, TEXAS XXXX is in direct violation of reporting false inaccurate information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: CA
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/2021, a balance transfer check ( issued by CitiBank ) has been deposited in my name into a foreign bank account in the amount of {$300.00} by an unknown person. As a result a {$300.00} charge appeared on my credit card statement along with a {$15.00} transfer fee ( {$310.00} total ). 

CitiBank initially sent the blank balance transfer check to me as a promotional offer to transfer my credit card balance. I discarded the check but it appears the check was stolen by someone to commit credit card fraud. I contacted the fraud department at CitiBank in the beginning of XXXX to try to resolve the issue but they have so far been unhelpful. After 2 months, Citibank sent a form to fill out. I filled out the form and sent it Citibank in the provided envelope with their pre-filled fraud department address. I received another letter from CitiBank that they have not received the requested form and that the fraud case has been closed with no further explanation or instruction. 

As of today, XX/XX/2021, the {$310.00} charge is still on my credit card account. 

PS : I have a photo-copy of the fraudulent check with a forged signature.

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 2022-05-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I made a payment through my Chase bank account via XXXX for {$1500.00} but inadvertently put in the wrong email address for the recipient. I was missing the full email address and so when I sent the money, the intended recipient didn't receive. We realized immediately and I sent another payment to the correct recipient, and they received that amount correctly. 
I then went about trying to cancel the payment to the incorrect person as it was not showing as finalized. I immediately called my bank to tell them of the error and they took my information and said they would look into it. I also contacted my banker to see if they could help me and he also said he would see if there was anything he could do. I also sent an email to the incorrect recipient to tell them that I had inadvertently sent them money by mistake and would they be kind enough to return ( I did not hear back from this email, nor a follow-up ). 
On XX/XX/XXXX, Chase sent me a letter saying they had looked into my request and would not be doing anything as they had processed with the information that I had provided. 
At this point I tried escalating through my banker and I received a call from their escalation department a few days later. I explained the situation and she said she would look into it. A few days later she called me back and said that the claim department stood by their initial decision and had no intention of helping me further. 
So, I am at a loss how to recover the money from the incorrect recipient. Chase/XXXX are saying this is because of a privacy issue, but I believe there must be some way for someone to help me get enough information that I can try and recover the lost money. If the bank had made a mistake and deposited into the wrong account, they have the right to recover it and would sue the unintended recipient if they didnt return it. I dont understand why this is any different. 
I was also looking at Regulation E section 205.11, and that seems to cover EFT errors, but no one wanted to address that regulation and tell me why I could not get relief or help under it. 
I am hoping that going this route I will get a more satisfactory solution. I have also reported this to my local police department and can provide the report number if requested. 
Many thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 USC 1681 ( a ) ( 4 ) Infringed upon a consumer 's right to privacy. A consumer has a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: FL
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 FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

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 2017-04-06
Company: Collection Consultants of California
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XX/XX/2017, I was reviewing my credit report like I do every year and saw a collection account from Collection Consultants for {$210.00}. I immediately reached out to the company by mail asking for more information about this debt including validation. Collection Consultants ignored my request and responded by adding XXXX MORE collections on my credit file and added the remarks " Unable to locate consumer. '' This is a fabrication of the truth since my return address was on the letter. I reached out to them a second time via certified mail in XX/XX/2017 and the company has blatantly ignored my repeated request for validation of these XXXX debts I allegedly owe. Collection Consultants have violated the Texas Finance Code by attempting to collect a debt for which they are not licensed or bonded or legally able to collect on the in the state of Texas. This inaccurate information has caused me great harm by tarnishing my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Investigation took more than 30 days

Complaint:
I have mailed an invoice to Experian for its Violation of my Consumer Rights under the FCRA, and after waiting 30 days, I received an invalid response to my issue. Instead, they decided to just delete more items from my report admitting more guilt. 
Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Sent out on XX/XX/202XXXX 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 2022-05-25
Company: EQUIFAX, INC.
State: IL
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 : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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:
experian co has placed wrong information on my report which is invalid and refuses to remove this wrong information and does not belong to me.

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 2019-08-01
Company: Experian Information Solutions Inc.
State: PA
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:
i got my credit report of all 3 credit bureau on XX/XX/2019from experian and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history

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 2023-03-21
Company: Bread Financial Holdings, Inc.
State: NJ
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/23 I mailed a letter to the creditor and XXXX to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, Comenity Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion, XXXX XXXX, XXXX and XXXX XXXX XXXX. are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX, LLC- XX/XX/2022 Original Creditor : XXXX XXXX XXXX - OPEN Balance {$950.00}. 
Acct Status : OPEN. 
Remarks : Account info disputed, meets FCRA requirements. 

According to FCRA Law an account can not be reporting Open and In Collection at the same time.

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 2018-05-15
Company: JPMORGAN CHASE & CO.
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:
This is a TOTAL FALSE STATEMENT AND I CAN PROVE I WAS NOT IN CALIFORNIA FOR THE DATE THAT I CANCELLED MY XXXX XXXX  RESERVATION!!! HOW DARE CHASE LIE ON ME!! HOW DARE CHASE LIE!! THIS RESERVATION WAS CANCELLED AS STATED WITH XXXX XXXX CANCELLATIN POLICY AND IT SHOULD NOT HAVE BEEN CHARGED SINCE I FOLLOWED PROTOCAL AND CANXELLED!!!! SHAME ON THE CHASE ANALYST THAT THREW THIS BOGUS STATEMENT TOGETHER AFTER THE NUMEROUS NUMEROUS NUMEROUS PHONE CALLS MADE TO DISCUSS - AND NOT ONCE DID CHASE ANSWER OR RESPOND!!!!!!!!! AND THE LETTER CHASE SAID THEY SENT ( THE ABOVE STATED LIE ) WAS NEVER SENT TO ME!!!!!! EVER. NOT TO MENTION, AS SOMEONE WHO TRAVELS OFTEN - CHASE CANCELLED MY CARD UPON THE COMPLAINT FILING AND I WAS WITHOUT A DEBIT CARD UNTIL THE REPLACEMENT ARRIVED. Moving forward - when I called to discuss additional reversals, these were charges that some smart CHASE person deemed to be duplicates BUT THRY WERE NOT DUPLICATE APPLE-TUNES CHARGES ... ... ..THEY WERE THE SAME AMOUNT FOR ALREADY FILED CLAIMS - FOR DIFFERENT DATES!!!!!!!!!!!!!!!!! UNACCEPTABLE UNAUTHORIZED!!! 
Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. I have also filed a claim against CHASE with the BBB - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! I have tried every attempt possible and CHASE is NOT  responding to communicate and rectify!

Company response to consumer: Closed with monetary relief