BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
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: Information belongs to someone else

Complaint:
I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXXXXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/2013 I was seen at XXXX XXXX  hospital ER in XXXX, Oregon one evening because I had a XXXX XXXX and couldnt XXXX XXXX XXXX. I was given XXXX XXXX and XXXX XXXX. I was diagnosed with an XXXX XXXX XXXX  and discharged that same day. My insuranced denied my claim stating I should have been seen by my primary care instead of ER but my symptoms were not extreme until after clinic hours. XXXX then billed me and contacted me by phone saying I had a bill and needed to make arrangements to pay. I explained that we were a family of XXXX without the ability to pay even with payments at that time. I did then ignore several phone calls made after the first 2 because they were just calling to collect what I didnt have. The claim was sent to collections after a few months and Im now being sued in small claims court by Ray Klein Inc dba XXXX XXXX XXXX! I contacted them to arrange a pay off to put on my already stretch credit card if they are will to settle on an amount and they will not budge a cent. I can arrange payments of {$100.00} but they said they will still pursue a judgement but not enforce unless I dont pay but a judgement will still ruin my credit. I have 1 week left to either pay off, request a hearing in small claims or except judgement .... I think a non profit hospital should have given me a break, they said they had tried so many times to contact me and I told them I spoke with them at the beginning but all they could offer was payments I couldnt afford at the Time. Ugh frustrating, I know nothing can be done with my case at this point but still writing this in hopes it wont happen to anyone else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Follow-up to filed complaint XXXX. A BOA rep called from number ( XXXX ) that doesn't except phone calls but finally was able to answer phone today XX/XX/2023 at approximately XXXX. XXXX the BOA rep says the account was opened by someone who lived at that address and was unable to confirm even though I provided prior owners name. XXXX said account has been closed but was unable to provide closing date and would be normal for me to keep getting statements on a closed account - XXXX was refusing to cease and desists, and remove my address from the account.

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 2023-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
WITH NO PRIOR NOTICE : Chase displays a screen, upon login, that requires customer to 'accept ' both a 125-page Digital Service Agreement ( DSA ) and a 11-page E-sign authorization. ... and NO option to NOT accept it. All access to the accounts is blocked, immediately. When contacting the CS department, they concur; agree or no access.

Regardless what the 125-pages say, there is NO WAY it should be legal for them to block access to our funds/ their services without warning and options to react to their intent. Some of us have Bill-pay and other systems we need to work to meet our obligations. 

The 125-page DSA is , simply, a " We are not responsible for anything and can do anything we want, monitoring, changing global vendors who collect and monitor your personal info, etc. etc etc. ) ''. While I MAY understand parts, it is not something one should take lightly in accepting. 

To not provide the option to 'reject ' this DSA ( and maybe not use some of their services, but retain account access, etc. ) should be illegal. OPT IN was, per my understanding of FCRA, never to be the default or requirement for legal notice. And NOTICE was always required.. 

CLosing the account ( s ) is an option that I may pursue... but I have to 'accept ' in order to meet my monthly billpay requirements. This is holding consumers hostage and should be illegal ....

Shame on Chase. I'm sorry they got burnt, but this is NOT the way to fix it, IMHO ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2023-11-09
Company: EQUIFAX, INC.
State: NY
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:
For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification.

I will attach my credit report you will see the clear errors.

from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
To pay a contractor, I transferred {$2500.00} from my bank account to XXXX, and send the {$2500.00} to contractor. Then I transferred another {$2500.00} from my bank account to XXXX, and XXXX  didnt let me send it, saying {$7500.00} send limit reached. 
I contacted the customer service, which is only available over chat. They said my loading cash to app frol bank account counts as send limit. I asked them to reverse the transfer, they said they can do it free as a standard transfer and app shows get my money next Wednesday, 5 days later. If I transfer instantly, they charge {$37.00} fee. 
- XXXX is misrepresenting send limits, and counts incoming cash load as send limits, then uses customers money for 7 days, when send limit resets, XXXX uses the money with no interest bearing for the benefit of the customer. 
- If customer needs to get out of this lock, and wants the cash back into their bank account. XXXX  penalizes the customer by charging them a fee for getting the money back to customer account instantly, or forcing the customer keep the money at XXXX custody for 5 days, freeloading on the customers balance, and making customers money working for XXXX company, with no benefit to customer. 

I press charges for XXXX  misrepresentations, fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This account is inaccurately reported as opened in XX/XX/2002 on my credit report. There is also conflicting account information & status. I have asked repeatedly for specific account info including payoff balance & any & all information to be sent to MY home address. Fay refuses to comply with my requests. I believe it is the lender responsibility to provide me with timely & correct information on this account. My sole source of information comes through disputes & credit reports. I have repeatedly stated that I want to assume full responsibility for this loan & to protect my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A party on XXXX purchased an item and added shipping cost and paid via an electronic check. They paid with an electronic check in the amount of {$1300.00} on XX/XX/22. I was to pay the shipper directly, since the buyer was not going to be present. They indicated that they were donating the item to charity. 

I deposited the check for {$1300.00} into my XXXX account the same day. 

I was advised via XXXX XXXX to pay the shipper before they could pick up the item. I then paid the shipper {$1000.00} from my personal checking account funds via Zelle. 

My bank subsequently notified me XX/XX/22 that the check that I was provided in the amount of {$1300.00} was a fraudulent check. XXXX then reversed the deposited amount of {$1300.00}. 

I am now out {$1000.00}. I am a single mother of XXXX on maternity leave without pay. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, we transferred {$18000.00} from our Chase business account ( for our law firm ) into our Chase personal checking account. On XX/XX/2023, transactions started being declined and when we reached out to Chase on XX/XX/2023, we were informed that the fraud department flagged our transfer and our account was frozen. After repeated calls to Chase as well as XXXX visits to different local branches, not XXXX person could or would give us a reason. Everyone told us that they had no idea why and that they were going to close our account ( again no reason given ), and send us a cashier 's check within ten days of the account closure. On XX/XX/2023, we were told a cashier 's check was authorized to be sent to us and since the amount was over {$5000.00}, it would be sent overnight. We did not receive the cashier 's check until XX/XX/2023. That day, we endorsed the check and deposited it into another Chase personal checking account. We were told everything was fine and that it would be immediately available funds. The next day, XX/XX/2023, the funds were still on hold and would not be released... again for no reason that anyone could explain. We spent over an hour on the phone trying to get help and finally someone was able to release the check. 
Unfortunately, because Chase delayed releasing our money for over two weeks, we missed payments for our cars, we missed payments for other bills and we had many automatic payments missed and we lived without income this entire time. Banks should not be able to do this with customer 's livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: WA
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 filed a dispute with Equifax concerning a collections account placed on my credit file. The account was submitted to Equifax by XXXX XXXX XXXX with the original creditor being XXXX. XXXX reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. Equifax also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to Equifax giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When Equifax completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. Equifax only updated my credit file telling me that I needed to contact the collections company XXXX. When XXXX first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. XXXX only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed XXXX that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi there - I have XXXX fraudulent charges via XXXX on my AMEX gift card, which basically drained the card of the entire balance of $ XXXX. I did not lose the card, nor was it stolen. 

See screenshot for fraudulent charges. 

The numbers were hacked, perhaps from the company I first used the card at, XXXX Catalog. 

I contacted AMEX and they said they could do nothing due to the 120 day fraud reporting window. But honestly, had I seen these charges when they happened, I would have reported them immediately, but as mentioned, this card just stayed in my drawer, out of sight. 

I hope you can help. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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:
On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXXXXXX and XXXX ( Now it was changed to XXXX ) ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire and debit card, and through intermediaries named XXXX and XXXX in the total amount of XXXX USD. 
( Full details is in the attached file )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: SYNCHRONY FINANCIAL
State: MA
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 was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2023-10-11
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: 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 : XXXX 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, CA XXXX ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
Someone has stolen my identity they are opening bank accounts and credit cards and compromising my email all the companies will do is Nothing I need help

Company response to consumer: Closed with explanation