BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: DE
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:
I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for Experian, XXXX and XXXX. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for XXXX, XXXX, and Experian in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.

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 2023-03-03
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
American Express downgraded my status globally, from XXXX member to Platinum Member, and they refuse to reinstate my previously obtained through invitation XXXX status, a status for which I paid a lot of money for more than a decade. 

I provided proof of my status, and they insist on forwarding my request to XXXX, while they are an XXXX XXXX, their Global CEO and Chairman are located in the United States and they are responsible for operations all over the globe. 

It's almost XXXX what they are doing because I am not requesting an upgrade, they downgraded globally as a brand status and they must rectify that, and reinstate my already gained XXXX status. 

I am a member since 2000, they are mistaken when they say I am a new member of the Platinum Card in XXXX, they are not taking responsibility for the fact they are a global company headquartered in the United States, they control all other countries, and if I already got an invitation for XXXX status, they must respect it, they can not uninvite me, or ask me to wait for a new invitation, or they should invite me immediately to rectify this lack of respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: MD
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 XX/XX/2020, XX/XX/2020 and XX/XX/2020, I have asked Experian to Verify the accounts on my credit file are Accurate and complete and they have failed to investigate. According to the tracking numbers, they have been delievered and received by Experian. Over 120 days have passed and Experian has not produced the result of their investigation with an updated report on my credit file

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 2020-12-20
Company: EQUIFAX, INC.
State: SC
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:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Convergent Resources, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results

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 2021-11-29
Company: EQUIFAX, INC.
State: GA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: EQUIFAX, 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:
Per the attached correspondence, XXXX submitted a request to Equifax to remove the hard inquiry from XXXX XXXX dated XX/XX/2018. 

It has been more than 30 days since the request was submitted, but the hard inquiry is still showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: NV
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:
On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im XXXX  of XXXX hand so its some what dificult when right handed and only have XXXX XXXX  well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$270.00}, XXXX XXXX Balance Owed : {$9600.00}

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 2020-12-18
Company: Experian Information Solutions Inc.
State: NV
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:
On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im disable of one hand so its some what dificult when right handed and only have 4 fingers well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.

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 2021-08-23
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
You I have an account with Money Lion bank. I deposit {$1500.00} with them this last Friday XXXX. I withdrew XXXX Dollars of that money shortly after that on the same day. Immediately following My withdrawal they, Money Lion, suspended my account saying this was suspicious activity and suspected it to be fraudulent activity. I can appreciate that, however I was not made aware of this until the following day After I had called a tow truck to pick up my vehicle that had overheated. Imagine my situation when my card wouldnt work and I couldnt pay the tow company! I had to call a friend to bail me out and then I had to leave my vehicle at the impound yard and it is still sitting there. I have this account set up on text messages for all transactions and I was not made aware of anything concerning my account being suspended. Upon checking my emails later I found an email from Money Lion saying the aforementioned. All the email said was that my account it is suspended because of suspected fraudulent activity. It said nothing about sending them documentation. I only found this out until the following morning, Saturday when I was able to contact Customer service at Money Lion to let them know that it was me making the transactions. Every CSR I spoke to you seem to be reading a script over and over they apologized the first two, were of absolutely no help told me where I could email my documents after informing me that I needed to email documents Which consisted of copies of my identity. They confirmed receipt of my email and told me it would be 24-48 hours before my account would be unsuspended. I Explain to them over and over again that I needed them to make an exception could I please speak to a manager or someone I know that they couldve made an exception. I told them I am on a fixed income and that is all the money I had. Could they please expedite this, that my rent is due that my vehicle needed repair that is all the money I had. They said they could not do that. I asked for management and I was disconnected I called two more times with the same response I was hung up on. Finally I called again and was toldBy the CSR That she was not able to get through to any management either that she was very sorry. What is this time I am crying and I am at I am beside myself. I went to their website and pleaded with them through email again and was only met with a canned response that they had received my messages and that now it was going to be within 15 days that my account would be unsuspended. I dont know what Im going to do. Isnt there someway they can be dealt with is this legal? That is all the money I have. That is my money how can they do that. At the very least it is and compassionate and they clearly clearly dont give a hoot about people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: JPMORGAN CHASE & CO.
State: RI
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/18, an item for {$1000.00} was ordered with my Chase credit card. The company was located in the XXXX, called XXXX XXXX, a seller of fine watches. On XX/XX/18, unaware of the charge on XX/XX/18, my husband signed for a package, not unusual as we have packages arrive many times a week. 



When I arrived home, knowing that I had not ordered anything, I called the number on the return address ( XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, ( XXXX ) XXXX ). 

The company being a computer company, confirmed that they had not sent anything to my address, with the tracking number. They suspect that their XXXX account was compromised. I called XXXX and they couldnt tell where the item was really shipped from and couldnt help me. 

I checked my bank statement and saw the charge on my Chase card. I immediately called them and they started a fraud investigation and reissued me a new card. They re-billed a few weeks later stating that because I benefited from the charge ( having the watch in my possession ) that they could not help me. 

This is a clear violation of Reg Z, as I did not give authority to use my credit card to anyone and I am certainly not benefiting from a watch that is in a box. I will be more than happy to send it Chase for their own benefit. 

If this issue can not be directly resolved with Chase, then I will have no choice but to reach out the Attorney General and the news outlets as I am experiencing unjustified consumer Injury. As Chase is looking to expand their banking presence in the XXXX XXXX area, I find it even more important to let people now that Chase can not be trusted to protect customers identity or banking credentials. This type of unethical conduct should be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Apparently I have a XXXX  account with Bank of America. I figured it was opened as part of a program or some sort of reward. A routing number was included as well as bank account number and funds distributed to the account. 
I have been a customer with Bank of America for XXXX  years and have been offered many different banking options. 
There was a deposit date and funds that I can access from online. I saw that the bank opened the account in XXXX of this year. Every XXXX  of the month they have been withdrawing a {$4.00} monthly fee from that account. When digging deeper and trying to access these funds I was told that the account was frozen and to contact the XXXX XXXX XXXX department. Which I did. I was on hold and was transferred to XXXX departments. I ended up having to call back about XXXX times that day. I was transferred and told that they couldnt transfer me and then sent to a voice message and also disconnected on. I was given a number to call and then told by that person that no I have to call that same number I called before to be connected to XXXX department. Then I was transferred to someone named XXXX and she told me that her transferring option doesnt work that I have to call back the original number. At the XXXX call I got someone on the phone who told me that there was a claim number and that she couldnt access it. I forgot to mention I was told in maybe the XXXX nd call that I would not receive any notifications about the issue and that no one will contact me and if I want information I have to keep calling back. When I questioned that and asked how is that possible that I have never received any notifications about this account and if anything I was told that thats not what they do. The final call told me that she cant access the claim information and that I have to call back the original number and ask them for a claim number and that she was transferring me, she transferred me and in that transfer the phone call hung up and ended. I was told that it would take XXXX days to review the case but however the account was frozen since XXXX, we are now in XXXX, and that they will continue to keep charging the account every XXXX of the month and have no exact idea when the review will happen. I said I wanted it closed as I have no understanding of what is going on with the account and no information as to what and how it started. I was told that they can not close it and if I want more information I just have to keep calling back. But they have no information and no notes are listed on the account in terms of issues or anything. Absolutely nothing. And again they never sent a notification nor would they ever send me XXXX in the future.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian, XXXX XXXX and XXXX Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the XXXX marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXXXXXX XXXX XXXX, Last reported XX/XX/XXXX {$190.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Closed : XXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXX XXXX XXXX I never filled an application out so I'm not sure what this is XXXX XXXX XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX-? 
XXXX XXXX  Date XX/XX/XXXX Inquiry Type 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 non-monetary relief