BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase Bank sent us an email advising that they would pay us up to {$900.00} for opening new accounts. Restrictions advertised included depositing at least {$15000.00} in savings and keeping that minimum for 90 days, at which time they would pay the bonus. There were also restrictions on the checking account. After we opened the accounts we were advised verbally by the branch manager that while Chase would deposit the {$900.00} in our accounts within 90 days, if we closed the accounts within 6 months they would take back the funds. There is no restriction I can find in their paperwork advising a requirement to keep the accounts open for six months. Furthermore, Chase has advised that they will report the payment to the IRS as interest when it is paid. So in addition to losing the {$900.00}, we will be out the tax on the {$900.00} in interest, none of which has been disclosed in their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
EXPERIAN AND XXXX They are playing games to keep making money by providing NEGATIVE information that's out dated about my credit habits. I requested that they remove said negative accounts that have been paid off for years. Anything short of deleting negatives files is FRAUD in my book.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX continues to be on my reports where it stated it was supposed to be removed. I have attached 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 2023-05-08
Company: EAST WEST BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/ 2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ( the Fraudsters or 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 the client losses to gains. 

It should be noted that the Company, which is a client of East West Bank, registered as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX is committing financial crimes right under their nose, which involves, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX XXXX account in the total amount of XXXX USD utilizing their services ( See attached or reference ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} XXXX XXXX gift card on XX/XX/XXXX. 
I did not open it until XX/XX/XXXX, when I wanted to purchase an item at a store. It did not work and so I went to the XXXX website and found that the new unopened gift card that I have in my hands was registered to someone else and purchases were made and there was a {$5.00} balance left. I contacted customer service on XX/XX/XXXX and faxed over the required documents to report a stolen card, front and back of gift card, activation status receipt, and driver 's license. They said they couldn't read the drivers license so I faxed it again on XX/XX/XXXX and I also sent a hard copy in the mail. I followed up and they said that there was nothing they could do because the receipt did not have a time or date. It is from a XXXXXXXX XXXX store # XXXX, located in XXXX XXXX, CA. It was a gift from a co-worker and that was the only receipt given to me with the card. 
I also have screenshots from the website of who the card was registered to and what and where their purchases were made. 

Attached are all the files that I sent to prepaidgiftbalance.com customer service.

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 2023-05-18
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how 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 dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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 A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on about how they keep undermining the law. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: OR
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:
This account had been delinquent since about XXXX years ago, it may have been on my credit report back than, yet it reappear on my credit report as a current account but deferred and being paid as agreed. I have no communication or agreement to make my account current or pay. All what was reported is false. I believe the reinserted account shouldnt be on my credit report. The XXXX-year credit report limit begins on the date the debt became delinquent with the original creditor. I want the credit agency to remove the information from my credit history and to request the reporting collection agency how in the first place it becomes current, after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: TN
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian on XX/XX/2023, challenging the accuracy of the information pertaining to the above-mentioned account. My dispute was based on the contention that the account information is not accurate and should be investigated further. 

Dispute Resolution Results : I received a response from Experian indicating that the account information has been verified as accurate by the company associated with the account. However, I find it concerning that despite their assertion of accuracy, Experian has failed to provide the verification documents that would substantiate the claim that the information is indeed accurate. 

Lack of Verification Documents : It is my right as a consumer under the FCRA to receive documentation that supports the verification process and confirms the accuracy of the disputed information. Without proper verification documents, I am left without the means to assess the validity of the company 's verification process or the accuracy of the account information in question.

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/18 fraudulent hard inquiry to my Transunion report by XXXX. Attaching relevant police report. Transunion instructed me to contact each company making fraudulent inquiry individually.

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 2022-07-09
Company: EQUIFAX, INC.
State: HI
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 requested and was granted by XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX  in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of XXXX  XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
First of all, I demand that XXXX and your credit reporting agency cease and desist this account. Secondly, Ive never owned an account with XXXX XXXX XXXX and you know this. Next I need to know how you verified this alleged account and balance. Then, I need documentation of me agreeing to this alleged debt. I need the agreement that grants you the right to collect this alleged debt. I need a copy of your license including license number. 

I want everything that I have asked you for in this letter within the next 10 days. 

You can not have me with a collection and an open account with a balance according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX and I am submitting you this CFPB complaint to request to you to remove the fraudulent accounts and information you report on my Credit File. I beilive I am a 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 any accounts and Information 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, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} Inquiries Included in Dispute : 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 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 XXXXXX/XX/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 the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Bridgecrest Acceptance Corporation
State: FL
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:
Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Your latest response states this account originated with XXXX XXXX XXXX XX/XX/2013 ( attached letter ). However, this alleged open date was NEVER provided in your previous dispute responses to me through the four previous CFPB cases : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. You have provided NO documentation validating this account open date. I dispute that this account was opened on XX/XX/2013, as there has not been provided after multiple CFPB cases requesting definitive proof of the account 's origins. I dispute this claim as you have NOT provided the SIGNED ORIGINAL APPLICATION or CONTRACT with the alleged date of XX/XX/2013. Do not make unsubstantiated claims about the origins and age of this account without proper documentation. -- There is NO original application or contract showing the creditor, account number, date opened, or terms. -- The unsigned statements do not prove this account was with XXXX XXXX or opened on XX/XX/2013. I dispute this unvalidated claim about the account origins as they HAVE NEVER been provided, especially with the last letter stating a XX/XX/2013 open date which was never provided after 4 different CFPB cases providing proof...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/2023 at XXXX XXXX  I called Westlake portfolio to ask for my contract on my lease on my vehicle and they told me that they did not have a contract for my car and i ask why would i pay someone who I don't have a contract for, and the man stated that will repossess my car. I don't agree with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-14
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the 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. 
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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