BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was checking my credit report when I came across this company caine & Weiner and stated that I owed {$1000.00}. From a company called XXXX XXXX which I XXXX  it and it's a gambling for horses which is against my religion I'm not allowed to gamble. 

15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any 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. It has been 30 days and you arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had trouble getting this company to understand my hardship. I was in XXXX  for a period of time for a crime  that I did not commit. I attempted to negotiate before the account closed due to my absence, but they would not work with me and eventually it closed with negative debt. When I did get my legal situation sorted out, I was let go. Now, I have been working to get my vital credit accounts back in great standing to keep my credit alive and well. They have told me on several attempts that its their decision to close accounts for any reason. All I ask is that American Express work with me and open my account again while I pay the debt down to XXXX over a period of 5 months. Thats definitely negotiable in my eyes considering I have stable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-20
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a documented victim of identity theft with police reports, FTC report, and other legal documents. FBCS Inc is illegally trying to collect on a fraudulent account opened in my name, by the original creditor XXXX XXXX  XXXX, which violates the FCRA. The account has a balance of {$2700.00} ( account ending in XXXX ). I have contacted both FBCS Inc, and the original creditor XXXX XXXX XXXX by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. This fraudulent identity theft account need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus 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 REMOVED! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have concerns about my BlockFi investor wallet ownership in cold storage. Those wallets are in my name and in cold storage, and not to be used to satisfy secured creditors if bankruptcy comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: SANTANDER HOLDINGS USA, 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:
I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX Mos. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by XXXX XXXX Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Places for Collection Original Creditor Name : XXXX XXXX XXXX XXXX Closed : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: SYNCHRONY FINANCIAL
State: CO
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 disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond

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 2023-10-27
Company: Experian Information Solutions 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:
REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX, ACCOUNT NO. XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as XXXX XXXX. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXX  has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition.

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.

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 2023-05-02
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: Information belongs to someone else

Complaint:
I believe i was subject to identity theft, there are accounts on my credit report that i do not recognize. These accounts do not belong to me. 

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 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX noted funds withdrawn from pre-existing XXXX high yield savings account to a capitol one performance savings not opened by consumer ( prior started application but decided against ) XXXX did not finish opening nor authorized transfer of funds from previous XXXX account to capitol one. 

Deceptive practice by capitol one during sign up process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
This account does not belong to me, and I did not authorize anyone to use my account. Please remove this inaccurate account from my credit report. I have attached the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received my Chase Sapphire XXXX card in XX/XX/2022 and payed off {$4000.00} worth of spending in a timely manner to receive XXXX travel points, worth approximately $ XXXXThe card was not working during my study abroad time in XXXX XXXX XXXX When I returned, my card still was not working. I did not use the card frequently since it was mainly for traveling purposes, however, I called the company periodically. My card was closed and purged in XXXX with no notice. After calling the representatives, they stated there is no set time for how often a card needs to be used before they can purge it. They are allowed to take my credit card and points away for no reason and no notice if they desired to. It is astonishing that such a large company is allowed to function this way. They were able to reap the benefits of having another user while not needing to give the bonus since they can close an account for no reason as the usage needed to keep an account active is not found in their user agreement. My card was opened and used and in less than a year it was close. This is a very normal timeline for credit cards and a different practice should be clearly conveyed to the users.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have found errors on my Equifax credit report # XXXX that need to be investigated and deleted. I have to complained to Equifax multiple times that XXXX XXXX XXXX XXXX XXXX Is not valid and does not belong to me. I have provided copies of documents that show that XXXX XXXX does not have any contract or any proof of billing for the amount of {$590.00} nor do they have any documents that say that they bought a debt for {$570.00}. This account is not verifable by this company and should be removed. 

I also found that the account from XXXX # XXXX- This company too does not have any contract or any official billing that prove this is my debt- The address listed XXXX XXXX XXXX XXXX Oh XXXX also does not belong to me and was listed by XXXX and should be deleted and removed. 

The following TWO addresses do not belong to me and should be deleted and removed : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OHio XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/2023 I bought a XXXX laptop computer at the BestBuy XXXX XXXX XXXX, CA store for, prior to the promised 10 % immediate discount, {$460.00}. Salesperson " XXXX '' offered 3 payment options : 1. Pay in full. 2. Finance the purchase. 3. Sign up for a BestBuy VISA credit card and get a 10 % discount on the first purchase- which was the XX/XX/2023 purchase of the aforementioned XXXX laptop computer. 

Though I have two other VISA credit cards, the 10 % discount was attractive and I signed up for the BestBuy VISA credit card. " XXXX '' gave me the credit card approval document ( see page 4 of the attached documents ) and said that the 10 % discount would appear on the subsequent statement ( see page 2 of the attached documents ). 

As you can see from page 2 of the attached, the 10 % ( {$46.00} ) off the aforementioned purchase did not appear, and I called BestBuy credit services and was told that " XXXX '' was mistaken and I was to receive a {$40.00} off certificate for a FUTURE purchase, not what I was told. I DID subsequently receive an email offer of {$40.00} off a FUTURE purchase, with an expiration date. I was puzzled why I was misled. 

I disputed this matter, and a few days ago was told by a BestBuy credit services representative that my dispute was denied- no documented evidence that " XXXX '' told me that I would be getting an immediate 10 % off the XX/XX/23 purchase of the XXXX laptop computer. I was therefore responsible for the {$46.00} payment.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE OF ERROR AND OPPORTUNITY TO CURE WITH INSTRUCTIONS Overview It has come to my attention that account ( s ) # XXXX, # XXXX, # XXXX reported three ( 3 ) times, # XXXX as well as 17 unauthorized uses in the form of inquiries that I discovered as well. So since 15 USC 1681 ( b ) states the reporting of my consumer report shall be fair and equitable to me, the consumer. That being stated, I would like for you to provide the documentation that has my expressed consent given even allowing you to allow anyone or any company to furnish reports on my consumer report or the documentation that has my express consent given allowing your agency to hold and distribute my private property. You are reporting inaccurate as well as unverified information pursuant 15 USC 1681 ( n ), ( o ) which holds your agency liable to me the consumer {$1000.00} per violation for failure to meet requirements of the law due to willful non-compliance as well the damages I have incurred due to negligent non-compliance, everything your agency is reporting is adverse toward me the consumer and if these issues are not cured within 72 hours from the reading of this notice an opportunity to cure by becoming fair and equitable on behalf of me, the consumer. I will be pursuing damages in small claims. I would like every account verified and reported accurately. I will be forwarding all correspondence to CFPB, FTC, Postmaster Inspector General, as well as the IRS. If your agency doesnt respond or perform within the time specified above i shall assume you are in agreement with the facts stated herein and will wire me XXXX as an out of court settlement for defamation, mental stress, financial hardships, violation of my privacy which is furnishing my PRIVATE information WITHOUT MY EXPRESSED PRIOR CONSENT which is a right recognized within 15 USC 1681 & 1692 consumer has the right to privacyunless your company or any of your constituents can produce such document ( s ) of me granting you or any of your constituents the permission to report inaccurate and unverified reports if such document ( s ) exist. Hopefully we reach an amicable resolution as this is done with clean hands and in good faith without prejudice. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX XXXX Representative

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 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently reviewed my credit report, and the accounts listed below are showing incorrect data on my experian credit report. I have paid these accounts in full/ and was not late. 

XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX -XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX -XXXX XXXX XXXX  Account number 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