BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to move. When they pull my report they told me I had {$1000.00} debit on my credit report. I called the company they couldn't explain and couldn't find notes. I called the agency at the time. They couldn't explain. I disputed through my credit report and they removed it. 2 months later they put it back under a different agency. I've had issues since then. This bill is not accurate. There is no way they would allow someone not to pay and they still have service. On one call they said I didn't return equipment. I found a receipt that shows I did in fact return equipment. Please help me. This is NOT accurate and it's wrong of them to keep reporting this year ' after year. I don't know what todo. No cable company is going to let you keep service month after month with out you paying your bill, but they are telling me. That's what this is and equipment fees. When I asked for an itemized bill. It started with {$300.00} something dollars ( no explanation ) then continued to add charges from there. Things that I wasn't suppose to be charged for was on there. I'm told they can't see the notes but I'm expected to just pay it. This is not right. I had not had service for 5 or 6 years when they put this on my report put the blue. I think it's wrong they couldn't get the notes and details buy they have a balance that doesn't make sense.

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 2024-01-17
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per the FCRA as a federally protected consumer. Im now opting out of any authorization that I may have given you in writing or non written verbal and nonverbal per 16 CFR 313.7 in conjunction with 15 USC 6802.And the Privacy Act of 1974. To report any of my private information to any third party non affiliated. Including all credit reporting agencies and credit furnishers.

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 2023-11-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit 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:
Bank of america closed all of my families accounts. On XX/XX/2023 I have been with them for 30 years. I called them, after XXXX minutes dealing with there stupid XXXX  answering machine. Then they tell me that I loose all of my Cash Back Monies. They took about XXXX dollars from credit card cash back. So if the bank takes cash back from XXXX people at XXXX that save the bank XXXX ... .... They lost in court so they do this to people ... ..STOP bank of america XXXX the word America should be removed from there name ....

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 2024-01-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting 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:
I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX 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 explanation
Consumer complaint received 2024-01-31
Company: BlueChip Financial
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: FC HoldCo LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
On or before XX/XX/2023, a car loan was open without my consent.

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 2023-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXX XXXX XXXX  {$96.00}, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX- {$96.00}, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 ACCOUNT NUMBER : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 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 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 2024-01-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting 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:
I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX 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 explanation
Consumer complaint received 2024-01-31
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Hello, I'm experiencing identify theft activities. I first found out was back in XX/XX/2023 but I believe it started happening in XXXX and XX/XX/2023. I found out because I received an email notification from XXXX XXXX that I have several inquires request on my credit report and then starting to receive huge amount of letters mail to my home indicating I have applied credit cards, auto loans accounts with different companies. Luckily no fraud credit card accounts has been opened approved. I also received an auto loan insurance billing invoice from Westlake Financial Service to me and a dealership letter from XXXX XXXX that I purchase a vehicle. Those were not authorized by me. Thank You XXXX 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 explanation
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX I called capital one to ask them to close my account. I asked for the pay off. The agent advised they would apply the {$400.00} I paid to start the account and that would leave. {$270.00} Which I paid online confirmation code XXXX. Then next month I receive a letter from capital one which I ignored because I thought it was sent after I paid and closed my account. Maybe XXXX months are so go by I receive a bill. I immediately called and the representative stated that the previous representative did not give me the correct pay off and that there was a {$3.00} interest charge that was not included in the amount the previous representative advised and late fee for not paying the {$3.00}. I advised the account is closed and that I called to close. Mind you their calls are recorded and I would like them pulled for court. Multiple times they dropped the ball and continue to report to the credit bureau and now say I owe almost {$200.00} in fees and penalties for an account that I closed. The last time I called the representative advised he would wave the fees and close the account. That was probably around XXXX. We are now in XXXX and they have continued to charge when this account was paid in full supposed to be closed and when they made a mistake and only showed like {$14.00} in fees they advised again they would wave the fee and close the account. To this day they are charging me fees and interest when I don't owe anything and still have not I closed this account. I don't owe them anything and this has hurt my credit for almost a year. They have messed with my lively hood and should be held responsible for what they have done. I would like to press charges but the police stated it would be a civil matter so I am starting here before contacting a lawyer on what to do against this multimillion dollar company that is trying to XXXX and discredit me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-15
Company: Javitch, Block & Rathbone LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a summons from the Sheriffs office that I owe XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter asking for more information because all the account number except the last four were erased with a black marker. The same with the social security. 
I received a lot of statements but again no verification I sent the second letter and I received statements again and somewhere it says verified. 
Who verified it? 
I flip the pages and I see that I have to answer the following interrogatories. 
I never received the purchase agreement and the bill of sale either.

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 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX received a call from AmericanExpress, it was during a meeting but next day I missed another call. on XXXX I called AmericanExpress, after 20 minutes I learned that a previous issue where I had accidentally paid closed corporate Amex account rather than personal account which I thought had resolved had created a new problem - and now I had a debit on my closed corporate account. I was told to reach out to my expense department. They confirmed they had not received any funds from the Amex " overpayment. '' I continued to receive daily calls from Amex asking when I was going to pay my balance ( which was now overdue as I had not received a notification of the issue until the balance was past due ). Each time I speak with them I have to retell the whole story as apparently they never check the notes ( or no notes are taken, as they tell me they are recording the details ). On XXXX, I reached a " XXXX '' and he said that he had figured out the issue and that it would take about a week for the transaction to take place and the issue to be resolved. When I received the daily collections call they had not knowledge that the issue was a Amex error ( when I had made the erroneous payment in XXXX, they transferred funds to my personal account twice ). I continue to call, and am promised that they will fix the issue, and that the late payment fee will be removed. My last call to Amex was on XXXX, where I was told it would just be another day. The collections caller tells me then that I should just pay the balance, but then there will be a credit on my account, and that will be yet another issue. Today I received yet another call from them, so the issue has not yet been fixed. Tomorrow is the day in which I will be charged yet another late fee ( last week I inquired about this and was told by the customer service agent that it was ok and that all late charges will be rescinded ). I want this problem gone. It has been almost a month since I learned about it, and every time I am on the phone with someone we have to repeat the whole story and it is a 20-30 minute phone call. While I admit that what started the whole issue was an error on my part, in XXXX, this last issue was an Amex error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Agency as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. Per the Privacy Act of 1974 no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. XXXX, XXXX, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
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:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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