BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, I used XXXX by American Express to routinely pull 3-bureau credit reports. After generating this, I found that American Express seemingly had put my account into collection status with XXXX and XXXX. The trouble is that this is not true at all since I have never once been late with a payment since XXXX -- - nearly XXXX  years ago. 

I called American Express which gave me the royal runaround on XX/XX/XXXX and again on XX/XX/XXXX. I then called XXXX by American Express in the afternoon of XX/XX/XXXX to inquire about all this. 

I was informed by American Express on XX/XX/XXXX and XX/XX/XXXX that they could find no evidence that my account was ever in collection status. Then XXXX by American Express on XX/XX/XXXX acknowledged that their systems were faulty and due to some nebulous programming error on their end giving consumers incorrect information. In fact, they said I was not the first consumer to report this issue. Further, they had no idea when it would be fixed. 

I let both entities know I would be reporting this to the CFPB this evening. My request is that the CFPB investigate this matter for me and any similarly situated consumer who may complain. I request that you impose civil monetary penalties against both American Express and XXXX by American Express for every affected consumer. I also ask that the CFPB issue orders compelling both American Express and CreditSecure by American Express to fix the issue on behalf of all affected consumers without undue delay. 

Please see the attached files for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I XXXX XXXX is writing in reference to an account that was recently closed by chime with an balance left in my spending account and credit builder account. They closed my account out of nowhere without access to my funds. I am now facing eviction and being without power due to Chime holding up my funds. I have XXXX kids and don't want to go through the hardship of being homeless because Chime is holding up my funds. I request that they expedite my funds so I can handle this eviction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 with 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
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion refuses to update my credit report regarding student loan information. I do not have a loan with XXXX and they refuse to correct my report. Theyre not verifying and updating. They are just ignoring my dispute.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section XXXX and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information

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 2023-10-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 XX/XX/ It was reported to my credit that I am late on a loan payment for a vehicle loan through Huntington National Bank. However, the vehicle was totaled and XXXX insurance was to pay off the loan. I have a letter from XXXX expressing that this attempt was made on their part XXXX  times in XXXX of XXXX before realizing they had the wrong information included in their records, and that this is not my fault. After the information was corrected on their end, they overnighted a payment with the correct information to pay off the loan on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: KY
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 Account # 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 2021-12-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. This account has been in dispute for 9months, since XX/XX/2021. I've noticed since XXXX of 2021 Equifax have not included in the comment section that this account has been in dispute since XX/XX/2021 but yet it does state Charged off account Auto. The following information therefore needs to be re-investigated and removed from my credit profile for not including that this account has been in dispute in the comment section for past 9 months. 

Account : XXXX XXXX XXXX XXXX XXXX that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 

In this complaint accompanies a copy of my credit report from Equifax reflecting no comments stating this account has been in dispute but yet it does state Charged off account Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wise ( TransferWise ) is a scam Please protect people in the US from this scam. 
After we add money to our accounts with Wise, Wise intentionally closes the account ( without any explanations ) and takes the money away. They don't respond when we call them to inquire or appeal. 
There are many recent cases, many people they got SCAMMED by wise. 
Wise victims created a group of XXXX explaining their experience please check the following link for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Group name on XXXX  : Wise ( Transferwise ) Scam Victims Also please check the bad reviews on XXXX website from other victims at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please protect us and help us to get out money back XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CITIZENS FINANCIAL GROUP, 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:
Citizens Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. 

CItizens claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from Citizens for XXXX dollars. 

Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NY
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 Account # 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. 

XXXX XXXX XXXX. CO. 
XXXX XXXX XXXXXXXX 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 2023-10-26
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX have been reporting to my credit as a collection on XXXX and Equifax the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: AG AH LLC
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 status incorrect

Complaint:
During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. On XX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX Extension XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/XXXX I On XXXX XX/XX/XXXX, I received a collection notice from IC System n the amount of {$170.00} for equipment belonging to XXXX, a cable company. The account was closed by me one year ago and its status on the XXXX  site is AMOUNT DUE {$0.00} No payment is due. 
The equipment ( two cable boxes ) was via XXXX XXXX on XXXX XX/XX/XXXX and DELIVERED on XXXX XX/XX/XXXX. TRACKING NUMER XXXX ( see shipment details below ) THIS IS THE THIRD TIME that I have provided proof for this returned equipment. 
1 ) In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent an erroneous bill in the amount of {$170.00} for this equipment. I provided PROOF OF SHIPMENT and DELIVERY by email XXXX XX/XX/XXXX See to XXXX on <<Attached please find proof of shipment from XXXX  store # XXXX. The equipment was delivered to you on XX/XX/XXXX. Please remove the charges immediately. This is totally your error.>> 2 ) IN XX/XX/XXXX, XXXX XXXX XXXX attempted to collect this equipment charge of $ XXXX. I again provided the tracking number to a collection agent. 
3 ) On XXXX XX/XX/XXXX, a third erroneous bill for {$170.00} arrived. NOW its I.C. Systems. I immediately Telephoned to XXXX ( spoke with IC Agent # XXXX ) and provided the XXXX tracking number again. I also have to send them a letter by POSTAL MAIL -- IC systems doesn't accept email. 



PROOF OF SHIPMENT ATTACHED AGAIN XXXX XXXX TRACKING NUMER 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 2023-11-24
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent, as directed by IC Systems and XXXX XXXX, a dispute of debt with XXXX XXXX XXXX I included a copy of an email sending all of the equipment back to XXXX XXXX over 11 months ago. I included pictures of the equipment, and I included the actual date of return of the equipment. 

I didn't get a reply to the notification as I sent it and sent another notification to the XXXX and IC Systems via US Mail, Registered receipt. 

I sent the first notice on XX/XX/23 and the second notice after I learned IC System put a derogatory remark on my credit report. 

XXXX XXXX XXXX NOR IC Syste has validated the debt, gave an alist of charges owed and how allegedly incurred the actual contract, and other pertinent data.

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 2023-09-18
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am using this entity to demand payment for violations begore i file a suit in federal court. 
I have told them to stop amd thry continue to text me : XX/XX/XXXX I received a text message XX/XX/XXXX I put them on notice about refusal of paying the alleged debt Still obtained text messaged on the fallowing days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal actions by debt collectors Also violation of Identity theft, 15 USC 1681a4, as I have absolutely no contract with them and they gave a hold of my personal information eith out my permission. 

Please pay me a total of XXXX for the above mention violation I will post the proof of screen shots below. 

Act accordingly and avoid bring sued in federal court.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: NY
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:
It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month XXXX loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit reporting 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:
I did not ask XXXX  XXXX XXXX  to run my credit and I did not contract or agree for them to put anything on my credit consumer report nor run my credit on XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: MA
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:
A credit card account was fraudulently opened on XX/XX/2023 in my name through Synchrony Bank /Venmo . After receiving a push notification from Venmo on my cell, I contacted Synchrony Bank/Venmo and

advised them that this account was fraudulently opened. I was advised by the bank 's customer service rep that this account was immediately shut down. The rep indicated that we would receive a letter in 5-10 business days ; and also that the bank would notify the credit bureaus. I would not be responsible for any charges that have processed.

Please also note that I disputed and reported this to the three credit bureaus as a fraudulent act as a result of identity theft.

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 2023-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing with equifax about an account from XXXX XXXX XXXX and since then the account has been removed from experian but still says its an active loan on equifax I ask for them to remove it because the information is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company 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 2019-10-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX, repeatedly blocks my credit card without any reason. Always pay my bills on time never been late. XXXX doesnt apply my scheduled payments in a regular manner. Puts my payments on hold for no reason. XXXX apply XXXX pressure on the customer and unnecessary stress by applying these tactics. This is not a normal bank behavior.

Company response to consumer: Closed with explanation