BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
RE : Letter to Remove Inaccurate Personal Information : To Whom This May Concern : I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Please delete all other names and addresses. I can not receive mail or send mail out from any other address other than the one address listed above. Their are incomplete and unknown addresses and phone numbers listed that should not be on my personal credit. Everything is incorrect but the address listed above this paragraph and the phone number listed below this paragraph. 

My only phone number is XXXX Please delete any other phone number as they do not belong to me. I can not send or receive any calls or text messages from any other number than the one listed above.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
AMEX refuses to credit a promised promotion through " AMEX OFFERS '' when a purchase was made to take advantage of a targeted " Amex Offer ''. 

My AMEX Platinum Card received a targeted offer for purchases made through XXXX XXXX {$100.00} off purchase of {$100.00} or more made through Dell.Com ). This offer stated an expiration date of XX/XX/XXXX. 

This offer was added to my card and an order exceeding {$100.00} was made from the merchant 's website on XX/XX/XXXX. The merchant sends a confirmation of order on XX/XX/XXXX ( which can be provided if needed ). 

The charge goes into " pending '' status on credit card statement as of XX/XX/XXXX. 

On XXXX I checked my statement to see that the charge had posted, but no applicable {$100.00} credit was added to my statement. I reached out to the merchant through their " Chat '' support to determine a resolution. The chat representative informs me that since the merchant decided to post the charge after their expiration date, they will not honor the credit. 

On XXXX I called into AMEX Customer service and explained my situation to a customer support agent again hoping for a resolution, as I assumed there to be a misunderstanding. I placed the order prior to the offer expiration date and, as a customer, have no control over when a merchant decides to post a transaction. The agent acknowledges that determining when a merchant would decide to post a transaction is out of my hands, however states that there's nothing that AMEX is willing to do to resolve the situation as the merchant posted their transaction after XX/XX/XXXX. The agent transfers me to a manager. The manager reiterates that the are logging my complaint, however there is nothing they can do in the way of a resolution. 

I am hoping a formal complaint will encourage the company to reevaluate how they handle this deceptive and exploitative " promotion ''. There is no conceivable way having an arbitrary " fixed '' expiration date tied to their offers are fair to the consumers, if this date is fixated on a characteristic the consumer has no control over ( i.e. charge posting date ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: U.S. BANCORP
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: Old information reappears or never goes away

Complaint:
I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior

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 2023-02-17
Company: ID Analytics, Inc.
State: CA
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:
Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request. 

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: The Best Service Co.,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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: North Shore Agency, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A magazine called XXXX 's XXXX started sending me issues of their magazine unsolicited. After a few issues they sent me a bill which I returned to them and told them I didn't want their magazine and to please stop sending it to me. In spite of my request to stop sending me their magazine they kept sending it and every month or so would send me another bill. Finally they stopped sending me magazines and bills but now they have turned it over to a collection agency, North Shore Agency which has sent me a bill threatening that I either pay immediately or face further action. 
I am not going to pay for something I didn't order and I do not want my credit damaged because of this. This is fraudulent, criminal activity and they should be stopped. 
Thank You.

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 2023-03-09
Company: The CBE Group, 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: Personal information incorrect

Complaint:
Hello my name is XXXX XXXX XXXX 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 USC1681 has violated my rights.

15 USC1681 SECT 604it also states a consumer reporting agency can not furnishan acct w/o my written instructions 15 USC1681c ( 5 ) No consumer reporting agency any of the following other than records of convictions of crimes for more than7yrs.

15 USC 16815-2 ( a ) 1 a person shall not furnishany info to a consumer credit agency.if the person has reasonable cause to believe info is inaccurate. 
CBE group {$910.00} acct # XXXX XXXX XXXX  {$940.00} acct XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
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:
on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR {$14000.00}. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this items and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this items XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-Bankruptcy XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MD
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 consumer, natural person, and protected person under the Fair Credit Reporting Act. 
15 USC 1681 c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Got a call from " XXXX XXXX '' XXXX Saying he was employed by " XXXX XXXX '', and was representing " XXXX XXXX XXXX '', he told me there was a law suit against me from wells fargo for an older account from 2008, spoke to wells fargo they told me they have not sold this account to any collections company. He knew my address, name, birth date, and last 4.

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 2023-01-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
During a routine credit check by a financial institution reviewing an application for business credit, three late payments were noted from XXXX  XXXX XXXX XXXX XXXX {$7500.00} and reported on my Experian credit report. The account had been closed since XX/XX/2022 due to inactivity and a fraud alert issued in XX/XX/2022. Unbeknownst to me, XXXX XXXX XXXX  issued a yearly fee on XX/XX/2022. In XXXX XXXX, I was alerted to a FRAUD ALERT on the account from XXXX vendors by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and the account was CLOSED and no new card was issued. The above facts are not in dispute and have validated with XXXX XXXX XXXX employees over 4 hours of investigation without assistance nor resolution. Apparently, the account had not been CLOSED but frozen. The account information was removed from my login screen. XXXX XXXX  XXXX reported to the credit reporting bureaus three last payments on a closed account for an annual fee of {$79.00} issued on XX/XX/XXXX and never seen by me because the statement was never sent because the account was closed ( actually frozen ). The {$82.00} payment was made from my XXXX account in XXXX ( not initiated by me ) and the account closed. My credit was negatively affected for late payments on a compromised account, supposed closed, and compromised. The fraud alert and the annual fee both occurred within 30 days of each other. I am concerned that XXXX XXXX XXXX is holding other credit card consumers " XXXX " to annual fees on closed accounts and fraudulent charges. 
I will pursue this further with an FTC. I will DEMAND that XXXX XXXX XXXX remove/ reverse the negative reporting from XX/XX/2022 and 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 2018-02-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank XXXX XXXX in XXXX Utah : On XX/XX/XXXX or XX/XX/XXXX ( I can get the exact day ), the bank teller made a mistake when depositing a Chase Credit Card convenience check into my Chase Checking account. As a result, a single check was cashed twice and the check fees were applied twice. Chase quickly identified the problem but said they could do nothing to resolve it for 30 days. How can a bank be allowed to negatively impact the financial situation of a consumer once they have acknowledged and error. They made the mistake in 1 day, why can't they be held accountable to correct the problem in a day. 

I have spoken with the branch manager regarding this issue and she has not been able to correct the problem at Chase although she fully acknowledges the problem ( the branch manager name is  XXXX and her direct phone number is XXXX. I also left voicemail with her manager ( XXXX ) and spent 52 minutes on the phone with Chase Credit Card services. All of them indicated i'd have  to wait 30 days before they could correct their problem. In the meantime my credit has dropped 27 points and I can not qualify for optimal financing on a Condo loan I was in the process of submitting.

It would be wonderful if CFPB could hold these large banking organizations accountable for such poor behavior. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The automated credit card payment system continues to collect payments unless it is manually terminated. If automatic payments were set up for {$5000.00}, BoA may collect {$10000.00} before stoping the payments by itself. Automatic payments must then be set up again manually or late payment fees will be assessed without intervention. This is not standard or acceptable automatic payment behavior for credit cards. All other credit card providers stop payments at {$0.00} and start again without manual interaction. This system steals interest, requires a lengthy call to request a refund, and drastically increases risk of avoidable late payments. Further, for the elderly, they may die before this is straightened out, leaving BoA with funds effectively stolen from their heirs. No justification was provided for these terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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 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 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 response to consumer: Closed with explanation