BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: Spring Oaks Capital, LLC
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:
This account has been closed and it continues to show up as deragatory on my account. It shows open on credit report. This account was opened in XXXX of 2017 and shouldve been closed. Everything about it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a XXXX XXXX  bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.

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 2021-03-30
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recieved a response letter from SAGESTREAM that stated that they will not grant my request to OPT-OUT of their services. I have asked in written notice in accordance with the law ( 15 U.S.C 6801 ) for SageStream to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-SageStream refused 2. I have chosen to OPT-OUT of their information selling and sharing platform-SageStream refused 3. Provide me with a complete printed copy of their collection on my personal information-SageStream refused. As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by SageStream or any of its third party affiliates. As the consumer, you can only share information that I allow you to with my consent. At this time Sagestream is in direct violation of my rights as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
I have made multiple disputes with Transunion, XXXX concerning the same reported accounts, XXXX XXXX  and XXXX XXXX XXXX. XXXX removed the incorrect account but XXXX and XXXX are only taking a couple of days to verify accurate. XXXX reported accurate the day after the dispute was submitted the first time. The last submitted dispute was XX/XX/2022.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
Made contact via certified mail regarding hard inquiry. Company failed to comply according to FCRA guidelines. Sent letter XX/XX/2019, no response.

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase bank allowed XXXX XXXX XXXX Florida to take {$120.00} from my account. I had purchased something over a year ago and was not satisfied with the purchase. I told Chase it was an unauthorized charge and they placed the money back. I also told them many times to ban this company from doing it again. The company did it again and Chase is refusing to put my funds back. They send me 2 messages one stating they couldn't stop them from doing this and another saying they put a ban on this company from doing it. I have not received my {$120.00} placed back in my account. 

If I don't receive it, although it will be a hassle, I'll take my business elsewhere. Hope you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EAST WEST BANK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPD Complaints Department, I hope this email finds you well. I am writing to file a formal complaint against East West Bank regarding an ongoing issue with my account. I kindly request your assistance in addressing this matter and ensuring a prompt resolution. Please find below the complete content of my complaint : Since its opening, I have diligently adhered to all U.S. laws and regulatory requirements, ensuring full compliance without any violations. 

In XXXX of this year, I received an email from an individual claiming to be my account manager. They requested an explanation for specific transactions made through my East West Bank account in XXXX. Additionally, they asked me to provide statements for the associated accounts. However, no specific timeframe for my response was mentioned in their email. 

In a timely manner, I replied to the aforementioned email address, providing a detailed explanation and attaching the statements of the relevant accounts. Unfortunately, the email was automatically returned by the system, indicating that it did not conform to the custom email flow rules established by your email administrator. Consequently, I removed the attachment from my email and sent another reply, explaining the situation regarding the unsuccessful attachment. The subsequent email was successfully sent, although it did not include any attachments. 

However, on XX/XX/XXXX, I received an automated email from East West Bank 's system stating that my account is currently under consideration for cancellation. The email advised me to contact their customer service to address this matter. Subsequently, I promptly reached out to their online customer service. They explained that the automated email was triggered due to my failure to respond to my account manager 's email within the specified timeframe. They further clarified that my account has not been officially canceled but is currently restricted from trading. They assured me that once I respond to my account manager 's email, the matter will be reviewed, and the trading restriction on my account will be lifted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I didnt receive the promotional interest rate. Called multiple times. Received a letter to verify that I would get the promotion. Barclays keeps denying the request. 
Should have been a 0 % interest rate on purchase from XX/XX/XXXX - XX/XX/XXXX. 

See attached document for flyer and letter stating they will make corrections. 

Complaint # 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 monetary relief
Consumer complaint received 2018-03-21
Company: Bread Financial Holdings, Inc.
State: VA
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:
In XX/XX/XXXX, we were pressured to try a {$6000.00} vacation club membership from XXXX XXXX ( Travel Club ) out of XXXX, Florida. The sales method was a ) predatory, as described in the letter to them on XX/XX/XXXX ; XXXX and b ) none of what they promised existsno services we tried to access worked. Consequently, we sought termination of the contract for reasons of false representation of the travel club, and full restitution of the {$6000.00} paid for membership. We sent them a certified letter to that effect on XX/XX/XXXX. The presumed debt was sold to XXXX XXXX, which is constantly harassing us with phone calls, and repeatedly pressuring my husband, XXXX XXXX, to make payments. I have informed them that we terminated our agreement for nonperformance and that my husband is retired, XXXX and has suffered from a XXXX XXXX. I have told them repeatedly to stop calling us. They continue to do so. I received such a call on XX/XX/XXXX, and told them firmly that we were filing this complaint, and to stop calling. Today, XX/XX/XXXX, they AGAIN called my husband and bullied him into making yet another payment! In addition to breaking federal consumer protection and credit laws, this also constitutes elder abuse. I seek restitution of the stolen funds and cessation of these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My company purchases gift cards from American Express on a regular basis for employee incentives. Since XXXX of 2023 there have been several occasions where the gift cards received had already been used. The cards are either hacked or someone is taking pictures of the cards after they have been printed and is using the numbers to make purchases before the cards are used by the actual purchaser. I recently gave out gift cards to my employees for appreciation. These were new gift cards still sealed in the envelopes from American Express. I had several employees contact me and tell me their gift cards had {$0.00} balance on them when they first tried to use them. These were all {$100.00} gift cards and so far I know XXXX of them that were compromised, meaning they were new {$100.00} gift cards still in the envelope, but they had balances less than {$100.00}. Some had {$5.00} left on them, some only XXXX. I called XXXX to file a complaint with Amex and get the issue resolved. This is the only number provided to call for customer service today XX/XX/2023. I was put on hold several times. I had to explain the situation to XXXX different people and give them the XXXX different gift card numbers each time. At one point I was put on hold for over an hour. I was told that there was no email address to which I could send my complaint, nor was there a direct number to call should the issue arise again. After being on the phone for over 2 hours I was told that they were having technical difficulties and that I needed to call back. I was told the best time to call back would be at midnight. My company has spent hundreds of thousands of dollars on Amex gift cards over the past 5 years, and recently these scammed cards have become more of an issue. My call today was over {$600.00} worth of scammed cards and there may be more out there that my team has not let me know about yet. The customer service from American Express in trying to get this resolved has been awful. And so far there has been no resolution. I am attaching photos of some of the compromised cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: PA
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:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
Again. The following are being reported as follows Date of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : none reported Late Reporting : Date XXXX Experian XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per XXXX response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with Experian? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2023, I sent a letter to all XXXX credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all XXXX credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau XXXX, equifax, and XXXX  to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from XXXX parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from XXXX-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all XXXX bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a payment taken out of my checking account on XX/XX/XXXX in the amount of {$340.00} by Wells Fargo for my student with loan with them. I never authorized this payment, nor was it needed. My account was current, and the next payment due date wasn't for another month. When I contacted Wells Fargo, they denied that a payment was being processed. They still have responded to my requests the payment be canceled or returned, as again, I did not authorize it and it was not needed. I do find the most troubling part, that Wells Fargo has denied this payment was happening. It clearly shows the payment posted on XX/XX/XXXX, on both my WellsFargo.com account, and with the bank that my checking account is with.

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 2020-03-11
Company: Experian Information Solutions Inc.
State: OK
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:
After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to Experian, XXXX, and XXXX   along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Experian has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Experian never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Experian has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Due to these numerous violations Experian must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX 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 2022-03-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I issued a check to a recipient in XXXX of XXXX. The recipient deposited the check on XX/XX/XXXX and then again on XX/XX/XXXX. I opened a claim with my bank since the check we issued, check # XXXX, was deposited twice. The bank gave us bank the funds but then took it back within 30 days. The bank claims that the check is two separate checks. The images that are available are of the same exact check that the recipient deposited. Even the agent on the phone was confused as to why the claim was denied as it's clear it's the same exact check. I've gotten nowhere with Chase and I've spent 3 months trying to get my money back, which is {$1100.00}. The bank is not helpful and is trying to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: The CMI Group, 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:
Notice to Intent to CREDIT MANAGEMENT LP, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, and FCRA laws were violated. The fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief