BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Frontline Asset Strategies, LLC
State: PA
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX. XXXX Calls came XX/XX/18, XX/XX/18, XX/XX/18 CALLER WOULDN'T NOT ID THEMSELVES UNLESS i GAVE THEM PERSONAL INFORMATION, SUCH AS BIRTHDATE, ADDRESS OVER THE PHONE. I DO NOT DO that. If its a debt collection I don't have a clue who.what where & when. To my knowledge, No paperwork was ever received. 
Here is copy of email I sent after I was able to ID thru caller ID on my phone. 
Phone call from FrontLineAssets. XXXX XXXX XXXX FIRST OF ALL I DON'T KNOW WHO YOU ARE AND I NEVER RECEIVED ANY MAILING FROM YOU.What you think I'm STUPID? If you are trying to collect some kind of debt I want to know who, what where & when!! I do not have any paper work referencing your company You call and say is this XXXX XXXX? 
I say : Yea You say : Confirm your birthday and address? 
I ask who are you? 
You say I need your birthday & address I say, who are you? 
You say : Confirm your birthday and address? 
O.K I won't play you stupid phone game. 
I said goodbye & slammed the receiver in their ear. 
XXXX NO I'M NOT GIVING MY PERSONAL INFORMATION OUT OVER THE PHONE.!! 
SO IN CLOSING, I WANT TO SEE SOMETHING IN WRITING ABOUT WHYY YOU CALLING ME! 
IF YOU CONTINUE TO CALL ME IN THE ABOVE MANNER & NOT ID YOURSELF OR REASON FOR YOUR CALL I HAVE CONTACTED CONSUMER DEPT, PA ATTORNEY GENERAL OFFICE.ON SECOND THOUGHT I'M COPING THIS AND EMAIL IT TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: LEXISNEXIS
State: IL
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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the bankruptcy which do not belong to me or were opened without my permission.

US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX  XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA Section 605B ( a ) LexisNexis 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 explanation
Consumer complaint received 2019-11-17
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: Other problem

Complaint:
On XX/XX/XXXX I set up a settlement agreement ( Document # XXXX ), with American Express Global Collections on the remainder of our American Balance of {$15000.00}. The agreement was for me to pay {$9900.00} with the last payment of {$400.00} due on XX/XX/XXXX. I have been paying on the balance as agreed and as of XXXX the remaining balance due was {$6100.00}. I made arrangements on the phone with AE on XX/XX/XXXX and on XX/XX/XXXX we paid the full remaining balance online of {$6100.00}, ( Confirmation # XXXX ). The settlement agreement letter states ; Upon receipt and clearance of payment for the full settlement amount, no further attempts will be made to collect the remaining balance. This morning, XX/XX/XXXX I received notification from the USPS that I had a letter from American Express coming today. I assumed that the letter would be an acknowledgement that the settlement agreement was followed as agreed and American Express was providing me documentation that the agreed settlement amount was paid in full and all debts settled with American Express. The letter I received today, ( XX/XX/XXXX ), from American Express was dated XX/XX/XXXX and appears to have been mailed from NJ. The letter states that they have turned over our account to a collection agency called XXXX XXXX XXXX XXXX. The balance they show I owe is {$12000.00}. The balance does not credit the {$6100.00} we made on XX/XX/XXXX. The remaining balance is the amount that American Express agree to forgive if I paid the settlement agreement in full which we did on XX/XX/XXXX early as the last payment of {$400.00} was not due until XX/XX/XXXX. I called up the American Express Global Collections department, ( XXXX ), who told me the file was no longer in their office and told me to call customer services at XXXX. Customer service told me to call the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: ID Analytics, Inc.
State: NJ
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, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX XXXX - BALANCE {$15000.00} - XXXX XXXX {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2022 American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : ADVERSE ACTION Dear American Express I XXXX the consumer, was denied credit by American Express when I applied for a Platinum card. Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1691 ( e ). American Express is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 
If American Express fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make American Express civilly liable for all actual damages pursuant to 15 USC 1691 ( e ). 
I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ). 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: GLA Collection Company, Inc.
State: IN
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:
XX/XX/2021 contacted gla and requested information on what this collection is on my credit report. They didnt have my address couldnt inform me who it was with and will be mailing me a response. Refuse to remove the collection till it can be validated saying its my fault I should have known.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Hello I had a fraudulent charge on my Maryland unemployment card for {$1000.00} USD. On XX/XX/XXXX I filed a claim immediately upon seeing the transaction the same hour it happened it was an ATM withdraw from XXXX Texas at a XXXX XXXX XXXX the person or persons tried using it again while I was on the phone with Bank of America at XXXX XXXX XXXX  in Texas but it declined {$1000.00} is the daily limit for cash to withdraw, I assisted Bank of America with every request they had and they did an investigation that took 14 days they concluded in writing that I have stating the case is closed ( permanently ) and that I wont be liable for the {$1000.00} USD.on XX/XX/XXXX the bank on XX/XX/XXXX took all my money that was in there with dispute adjustment debit charge now my account is {$900.00} negative and I had to reopen the case and file a new claim which can take up to 45 business days that means they will take all my unemployment benefits until the {$900.00} is paid back or they conclude again that I was in Maryland and had nothing to do with this fraudulent charge they offered no explanation at all as to what they found or why they illegally took my money. If someone can please contact me at my email address is XXXX and help me put a stop to this, I have medical problems and bills to pay with those benefits. Thank you so very much and In hope to hear from someone soon

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 is the several times I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that 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. 


US BKPT CT IL XXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018

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 2020-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate complaint but a complaint of credit cards payment policy. My credit card was stolen and because of Chases payment policies the credit limit was exceeded and even doubled when payments were made by the thieves. Let me explain. The thief used the card up to the credit line and then made bogus payments as many as 4 times in a short period! And Chase kept accepting the payments and freeing the card to use. Chase never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Chase surprisingly was not aware of this tactic until I brought it to their attention and requested the method of payments. I am not responsible for Chases 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Chase could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Chases software doesnt allow a hold, they should have at least be alarmed when multiple bogus payments were made on the same account. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Chase denies fraud, and accuses me of siding with the thieves to my own detriment. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax data breach and possibly placed in the hands of individuals with ill intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to formally submit a complaint regarding inaccuracies in my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies on my credit report. As of the present date, TransUnion has not responded to my inquiry. I am outlining the erroneous information below, along with the necessary corrections : Account Not Mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4000.00} Request : Please remove this account from my credit report. 

Account Not Mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2300.00} Request : Please remove this account from my credit report. 

Account Not Mine : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Request : Please remove this account from my credit report. 

Account Never Late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Request : Correct the inaccurate late payment information on my credit report. 

Account Never Late : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7900.00} Request : Correct the inaccurate late payment information on my credit 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 non-monetary relief
Consumer complaint received 2020-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened my account with USAA whove Ive banked with for 6 years and have been using my hometown bank so I just opened a new checking and savings account and transferred just under 4 thousand dollars from my checking and savings account with XXXX XXXX to USAA and they said they would place a hold on the funds until XX/XX/XXXX and then extended the hold to XX/XX/XXXX leaving me with absolutely no money. My own money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian while I was logged into my account advised me to apply for a credit card they promoted as one that would help my credit score. This time they lied straight up. The company rejected me then XXXX XXXX  through an arrangement with Experian lowered my score over 30 pts. and refused and still refuse to acknowledge what happened. Keep in mind that not only have I managed to pay off a car loan early keep credit cards always paid in full and on time as per all the credit bureaus advice yet they still lower my score FOR PAYING LOANS ON TIME AND PAYING CREDIT CARDS ON TIME AND PAYING RENT ON TIME. This has been going on for a year AND THEY DO NOT REPLY. Sending me a message that is not only a lie but utterly irrelevant to the complaint. 
And I'm not sure what you do besides nothing. These guys are allowed to get away with anything and you do nothing you allow them never to answer a single complaint. I'm so sick of being punished because all or our so called consumer protection is one big lie followed by more lies.

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 2022-12-17
Company: Exodus Movement, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, 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 in the equivalent of XXXX XXXX which were transferred from my wallet : XXXX utilizing your services. 
I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in their institution which is regulated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Navient Solutions, LLC.
State: AL
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 pled to have the XXXX days late payment status on both loans removed from my credit report. I was under the impression that the loans were still in deferment. I received a credit alert in XX/XX/XXXX that the loans were XXXX  days past due. I was unaware that the loans had entered the re-payment. In XX/XX/XXXX the federal government entered student loan repay pause due to the Covid crisis. After several extensions the pause is extended to XX/XX/XXXX. I feel that the XXXX  days late status is in error. It has made a very negative impact on my credit which is preventing me from closing my house. I have worked hard over the past few months trying to improve my credit score. This negative impact on my credit score, has caused me stress and anxiety. The housing market is unfair for minorities, and Im requesting removal immediately. If this matter is not resolved, I will have to reach out to an attorney to help get it rectified. Ive made several attempts to get Navient to resolve this matter. I was told theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a email from Experian on XX/XX/2019 stating that " change to your credit file detected '' I tried to go log in to my Experian account. I put in my username and password and then was told they were incorrect. I tried to change password, it asked me for my username and then my phone number but it had someone else number and I have been unable to access my account. I've tried calling Experian but i can get pass the automated voice on the phone who doesn't listen. and all she who how to do is say ''sorry i didn't get that '' then hangs up on you causes you to start back over and spent a little over 8 minutes trying to speak with a real person in which i was unable to reach.

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 2022-08-09
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation