BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXdischarged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; 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 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 explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: SD
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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX has violated my rights. 

15 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 2021-04-30
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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX  Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: GOLDMAN SACHS BANK USA
State: MI
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:
My personal delicate information is being reported to unauthorized third parties without my consent. I have not provided written instructions on how to display my personal information which is a violation of my privacy. I DO NOT want my personal information such as my payment history and balance reported to any credit reporting agency. I know my rights and you are in violation of them and if this information is not removed I will proceed with legal action for the violations and I will receive compensation for my time, legal fees and the violations. Remove the highest balance payment history and the balance history, as this is my private information that you are not authorized to give to any third party without my consent and instructions. Remove Immediately. 

Account # XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 purchased an electronic skateboard using this credit card from XXXX. Approximately 60 days later I began hearing a loud clicking sound coming from the right rear drive wheel of the skateboard and started noticing the skateboard was needing more frequent charging even though the route that I rode my skateboard on was the same distance. 

On XX/XX/2023, I contacted XXXX XXXX XXXX ( XXXX ) for the steps I need to contact the seller as I couldn't locate the information through the XXXX app. XXXX instructed me on how to contact the seller through their messaging service and noted my issues on my account. 

According to the seller 's listing for the skateboard, it comes with a 180 day ( 6-month ) warranty. 

To date, I have not received any communication from the seller in regards to handling the defections of my purchase and its warranty. 

Per XXXX 's instructions, I waited 48 business hours for a response from the seller and then re-contacted XXXX for further assistance on XX/XX/2023. I was advised at that point that there really is nothing XXXX can do to remedy the issue but they may be able to accept a " late return ''. The caveat to the " late return '', however, is that I will be charged a fee in the amount of 20 % of the purchase price. 

XXXX also advised me to try to reach out to the manufacturer for potential help with the warranty. I attempted to contact the manufacturer 's cusomter service on XX/XX/2023, and ( as of this date ) have not received any communication from them on the matter either. 

On XX/XX/2023, I initiated a dispute with my American Express Business credit card that the purchase was made on. During the call I articulated the details as I have outlined above to the American Express Customer Service ( AECS ) agent. 

On XX/XX/2023, I received a message from American Express noting that they are rebilling my dispute as they had received information from the seller that I had not returned the product. 

I am extrememly frustrated receiving this information since I was very clear with the AECS representative that I had not returned the skateboard because, simply, I have not been able to communicate with the seller or manufacturer for any instructions on how to resolve it. Further, it is frustrating in regards to the seller that they did not respond to me but, once their payment was at risk, they promptly responded to my credit card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: ALLY FINANCIAL INC.
State: TX
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-16
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:
I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, to remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2020, I enrolled in Covid relief and was approved. In XX/XX/2020, I was charged late fees. I started making minimum payments that I could make, which was approved through company but late fees were still assessed each month. I noticed late fees in XX/XX/2020. I asked why late fees when I had been making minimal payments, which were approved. I was told even though they accepted minimum payment, I still had past due which will incur a late fee each month. No waiving of late fees could be approved. I changed the payment amount to {$150.00} per month and still incurred late payment fees of {$40.00} a month. At this time, I have over {$400.00} in late fees even though I have made a payment each month. So frustrating! COVID hit my family hard. I tried to keep my card afloat to replace my score from dumping and this company screwed me.

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 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, husband, died XXXX. On appx. XXXX I contacted Bank of America. The original loan was thru XXXXXXXX XXXX they sold the loan to BOA, the loan was transferred only in XXXX name. 
BOA refused to give any info on loan to wife even with death certificate in hand. Appx 3 months of calls and discussions BOA finally agreed to monthly payments with ID and check in person at BOA, paid payments for 31/2 years. 
During Covid Bank was shut down called many times to see how to pay, NO RESPONSE. 
When Bank reopened went to BOA with {$3000.00} check was told the account was closed and WOULD NOT accept my money! 
Summer XXXX go to Lake house all locks changed and DO NOT ENTER on doors!

Call BOA no RESPONSE!

House was then sold on the court house steps!

They literally stole a {$200000.00} property for less then {$70000.00} loan, that was not in XXXX name! 
Now in XXXX it appears on my credit as a foreclosure, keeping me from moving on in life! 
Many blood, sweat, tears, MANY MANY years, weeks, days of me trying to fix the loan and make things right after my husband passed. All wasted BOA wouldn't do anything!

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 2020-06-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank arbitrarily and without justification locked my account and will not allow withdrawals or the ability to close my account. On XX/XX/XXXX they stated that they needed to mail me a security code and it would take 7 business days. Two weeks later it has not arrived to my address of record and they will not release my money or close my account. On numerous occasions by phone I have passed all their security checks and they will not tell my why my account is locked. Today, they said that they are mailing a new security code, but I have no confidence it will arrive. {$18000.00} is locked in their bank and I can not access my money for living expenses.

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 2021-04-30
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased two reload it cards from a XXXX store about two weeks ago. One for {$100.00} and another for {$80.00}. I tried loading them to a prepaid card but it keeps giving me an error message, when I reached out to the company for help they claim there is no known issue they can see but simply its my fault because I triggered a fraud alert which blocked the transaction. After waiting another week which was their instructions I tried it again and yet again I got the same error message. I tried loading a different pre paid card thinking that may fix it. Nope no different no matter what I do the transaction wouldnt go through. I tried having the company refund me the amount I loaded onto the cards but they are requesting the receipt used to purchase the cards, the actual reload it card, and a photo id. I do not have the receipt anymore because it was so long ago so they refused my refund. This seems completely wrong because I have the card stored on their reload it safe they call it so I obviously have possession of that money so there should be no reason they should refuse me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23
Company: Utah System of Higher Education
State: NJ
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 successfully completed rehabilitation of my federal student loans in 2018. Per the rehabilitation letter I received from the company, " ED will request that credit reporting agencies remove the record of default on the rehabilitated loans '' US Dept of Education has my loans listed as open and payment status as current, however a previous servicer, Utah Higher Education Assistance Authority, still has these accounts listed as closed and sold to another lender, but they still have them in a negative status on my XXXX, XXXX, and XXXX   credit reports. I have requested from them to update this as well as submitted disputes online through the CRA 's, however these have still not be updated to reflect a positive payment status. This reporting by the company is severely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Thaxton Investment Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Texts to family members and previous roommates never listed on any documentation addressing them with my name. Exact text : XXXX, pay your COVINGTON CREDIT account your way. Make your choice at https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions 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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

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 2021-09-03
Company: Collection Bureau of Fort Walton Beach, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... COLLBURFTWB ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX XXXX ... XX/XX/XXXX( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I took over the care of my XXXX who has XXXX. I spoke to my bank before depositing her check into my account. I was told it was ok to do so on XX/XX/XXXX so I did. On XX/XX/XXXX the check cleared and the bank froze my account. I brought my XXXX into the branch with me and they stated they would be closing my account and will be sending our money in the mail. I was totally confused because I was in the process of adding her to my account and I've never had any problems with my account. They closed my account on XX/XX/XXXX and told me several times on the phone I would get the funds. My last conversation with them they informed me I would not get the money from my account and would not communicate with me further.

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 2023-02-11
Company: Carter-Young, Inc.
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, [ Your Name ] Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Surrendered the car to XXXX XXXX XXXX XXXX in XXXX  in XXXX. I was incarcerated and jail in XX/XX/XXXX until XXXX, never heard from them. Now, I live in XXXX XXXX haven't heard from them until XX/XX/XXXX. The original amount was {$9000.00} and now they want me to pay the amount of XXXX, they have a lean on my house and they are trying to garnish my wages. The XXXX  Law Firm in XXXX is handling the case now. I have asked the original documents but they can not provide it and I thought it was a scam because it's been over 30 years.

Company response to consumer: Closed with explanation