BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
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: Public record information inaccurate

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I paid my account off in full in late XXXX/early XXXX. I have been paitent in waiting for my credit report to be updated however after 3 requests and nearly 5 months they are still reporting that I have an outstanding balance and have are 60 days past due which was no longer accurate in XXXX. My Credit is now being damaged by their lies and I need it corrected. 

I called the company 3 times and made a request in the chat but after being on hold over over an hour was told that they wouldnt talk to me. I need this corrected ASAP. If they are doing this to me a paid in full FORMER customer who will never utilize their services again and will discourage anyone I know who looks at them as well, I can only imagine what they are doing to those who were effected by COVID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: CITY NATIONAL BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX filed a Fraudulent Check Affidavit regarding two checks that were issued to a XXXX XXXX, XXXX. The checks specifically stated the company name & XXXX different banks cashed the checks to a personal account. XXXX XXXX XXXX  filed Filed a " Fraudulent Check Affidavit along with XXXX XXXX, XXXX but the banks, who cashed the checks, have not paid City National Bank the funds that they cashed to an individual. It's certainly the bank that cashed the checks issue. The bank should not allow an individual to cash a check that was clearly made out to a company. It has been over 4 months and the only answer I get is we haven't got an answer from the XXXX banks that cashed the checks. I believe the one Bank is XXXX XXXX XXXXXXXX. How long is a reasonable time frame for the bank to return our money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: AMERICAN EXPRESS COMPANY
State: NM
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:
I responded to special offers sent to me by my American Express card, but never received the promised benefits. 
Specifically, one offer was for a {$50.00} rebate on wine bought with the card from XXXX XXXX XXXX on XX/XX/XXXX. When that benefit did not show up on my card, I called American Express and the representative told me that everything was in order but I just had to wait a little longer for the rebate to appear. 
Based on this assurance, I took advantage of a new, identical offer for the wine which I received. That purchase was on XX/XX/XXXX. I never got either of these rebates for wine, a total of {$100.00} due to me. 
In addition, because I got an offer for a XXXX stay, I chose a XXXX hotel and paid with my card for a stay on XX/XX/XXXX. The promised rebate for staying at XXXX and paying with American Express was {$40.00}. Again, I never got the rebate. 
In each of these cases I first registered my card for the offer with American Express. 
I have tried calling American Express on several occasions about this but never am able to get any explanation about why the rebates were not forthcoming. 
Finally, a supervisor said she would submit a one time courtesy payment of {$140.00}, but that never came through either. Further calls to American Express just led to a run around.

I feel this special offer program is a fraud. I am owed {$140.00} by American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from Bank of America in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX  and now XXXX XXXX XXXX   are suing me through XXXX XXXX XXXX in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..

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 2023-11-06
Company: Bell Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint against this company with you on XX/XX/2023 and the complaint number is XXXX. I never received anything from this company in writing about the debt. The calls did stop for short time and this morning they started back up again. They have removed it from my credit report, but I fear that they will put it back there. This company has not responded to the complaint I filed with you in XX/XX/2023. Make them stop calling me if you can or if not can I take this company to federal court and sue them

Company response to consumer: Untimely response
Consumer complaint received 2023-08-21
Company: JPMORGAN CHASE & CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A consumer transaction that took place XX/XX/2022 between XXXX of Mobile/JP Morgan Chase Bank and myself. I am trying to Rescind my contract due to the failure of the creditor providing me proper notice in accordance to 15 USC 1635 ( i ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold bank account with Citibank XX/XX/XXXX with promo code XXXX, which promised XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and 2 months of bill pay. I confirmed the promotion was attached to my account, and on XX/XX/XXXX received a letter from Citibank confirming that I have satisfied the requirements of the promotion. The letter stated that I should receive my miles by my XX/XX/XXXX statement cycle. I still have not received the miles as promised.

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 2023-11-06
Company: Peoples Home Equity, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XX/XX/2016went to XXXX & XXXX to help with the process of purchasing a property which I believe was a nice price at the time. So I went through them for the purchasing procedure and was mislead my XXXX XXXX started with and XXXX when applied for the purchasing agreement then my score started going on down drastically found out that XXXX & XXXX kept pulling hard inquiries own my credit report. Now I could not qualify because they're practicing predatory lending.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/19Called Specialized Loan Servicing regarding my escrow/tax account. I called to inform them that I disputed my taxes and I won my dispute and that my tax amount was significantly changed. In addition I explained that the new analysis that I received in the mail on XX/XX/19 from the mortgage company showing that my escrow account is short due to increase in taxes. I explained that per XXXX County Tax Appraisal District that the new analysis would be sent out at the end of XX/XX/XXXX or sometime in XX/XX/2019. The  customer service representative whom I was speaking to was unable to assist me therefore she transferred to the tax department in which I spoke with a different rep who stated that my credit score would be impacted and late fees would be added to my account if I did not pay the extra $ 200+ /monthly increase starting XX/XX/2019. I re-explained the above to this rep as well as advised her that I was just notified of the change onXX/XX/19. The rep stated I am not sure why it took so long for you to receive he notification because it was completed in XX/XX/2019. I asked to speak with a manager named XXXX ID # XXXX as I was trying to explain the above she cut me off and said true you will receive late fees and your credit score will be impacted. I asked if there was someone else for me to speak with another manager who was over her and she stated that there was no one else for me to speak with. I asked who her manager or reporting supervisor was and she stated XXXX I asked if I could speak with him she said no. Then I asked to XXXX for a telephone number and an address for the Consumer Hotline for complaints for Specialized Loan Servicing she kept saying how can I help you how can I help you. Then she I have to place you on hold, she left me on hold for over 10 mins and gives me the same telephone number that I called her on and the PO Box address from my billing statement. She begin to verbally attack me during the call and I finally had a enough and told her that she needed to obtain better customer service skills and hung up.

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 2023-02-04
Company: EQUIFAX, INC.
State: MD
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 XXXX -Account # XXXX XXXX. XXXX XXXX XXXX / XXXX - Account # XXXX XXXX OF XXXX XXXX XXXX - Account # XXXX XXXX OF EDUCATION / XXXX XXXX Account # XXXX XXXX. PORTFOLIO RECOVERY - Account # XXXX15 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
Consumer complaint received 2023-04-27
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: Reporting company used your report improperly

Complaint:
This is my complaint to Equifax for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/XXXX  and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Im not sure what Bank of America trying to do but reordering transactions of XX/XX/2016 are inappropriate. Add counter credit? You mean the refund that you take it back when my account was negative? Oh and please dont add the credit in the beginning of the month, all nsf fees are eliminated, and the amount of transactions should not be changed.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: NC
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:
My name XXXX 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.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am dissappointed with the Credit Bureuas choice of actions as they decide to not remove the disputed accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I previously sent a dispute letter to the Credit bureaus dated XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I was a victim of identity theft and my Personal information was stolen and used to open these fraudulent accounts. I have read that the Credit Repporting Agencies are required to remove any accounts and information that resulted due to identity theft under the strict provisions of the Fair Credit Reporting Act section 605b. However, in my case, the Credit Bureaus refused to remove the disputed accounts and information as they even claimed that the disputed accounts and information were verified by the Creditors! And yet they have failed to send me copies of proof of verification or proof of ownership to support their claims. I am now submitting this CFPB complaint as a follow up to my previous CFPB complaint I submitted last XX/XX/XXXX. Please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX  XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/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 2020-04-14
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/XXXX I received an email alert from Cash App for a transaction ( Transaction ID # XXXX ) in the amount of {$150.00}. I did not make this transaction and immediately reviewed my bank account and saw the transaction was pending. I contacted Cash App Support via XXXX to file a report and was provided with a link to do so. I filed a request the transaction be cancelled because I did not make the transaction. I received an email response from Cash App that the matter was being addressed. I also contacted my bank to request the pending transaction be cancelled that same day. 

The Cash App transaction was processed 3 days later on Friday, XXXX XXXX at which time I received a canned response that did not address the issue. On Sunday, XXXX XXXX I communicated with a Cash App representative via XXXX at which point I was told there was nothing they could do and to file a dispute with my bank which I did. The bank dispute outcome is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX MEDICAL Date Updated : XX/XX/2019 XXXX HOSPITAL Date Updated : XX/XX/2019

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