BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
A notice of dispute and XXXX XXXX XXXX was sent to XXXXXXXX XXXX XXXX XXXXXX/XX/2022, and signed for at their office on XX/XX/2022. A copy of that letter is attached to this complaint. XXXXXXXX XXXX did not reply and only put a dispute notice with XXXX of the credit reporting agencies. There is conflicting information being reported amongst all XXXX major agencies which is a violation. XXXX XXXX continues to report this false information, and the credit reporting agencies have made no effort to confirm that any of this information being reported is correct.

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 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX I received a email confirmation of having a credit with XXXX XXXX in the amount of {$330.00} of tickets I have bought on XXXX and I was told I have till XXXX to use About XXXX weeks ago from today 's date I called XXXX  to book and they told me I dont have any credit. I right away call BOA to file a dispute in regards to this matter I received a letter dated XXXX from BOA saying I have been denied. I called them and I asked why is that, they said you only have 60 days to file.Its usually 1 year but still I did not know AA lied to me so how could I have filed within the 60 days.Its not my problem and not my fault. 
The 60 day rule is a man made rule and exceptions can be made in certain circumstances like mine that I was lied to. 
BOA can easily refund me and take my side because I am right and have the hard evidence on hand.

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 2018-10-19
Company: Jim Bottin Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please see attached documentations for this ongoing dispute of over 3 months with XXXX XXXX, and Their Financial Representative XXXX XXXX. Their adverse actions have disrupted my membership, and could potentially prohibit my future use of the facilities, or face heafty increased fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: MA
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 is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, Wells Fargo closed my XXXX XXXX credit card account without any warning or notice, several months after I signed up for the card and have been using and paying it. I learned this when a charge was declined, and I logged into the app and it says my card was reported lost or stolen. Since I didn't report it lost or stolen, I called customer service. They told me I need to speak to the fraud dept and transferred me. Fraud dept said my account was closed because Wells Fargo determined the application was fraudulent. They said I need to speak to application fraud dept to fix this and transferred me. Application fraud dept said they can't fix it, and I need to speak to customer service again, and they transferred me. Customer service said they will escalate this and someone will call me in 48 hours from the Customer Advocacy Group ( CAG ). No one called me, so I contacted CAG. CAG informed me there was no escalation done, and they will now escalate to the executive office and someone will call me in 48 hours. I am still waiting for that call, and at this point felt filing this complaint would be my best change for resolution, as Wells Fargo is a group of disorganized liars who have made no attempt to help me. I want to get this account reopened and for Wells Fargo to acknowledge that I did not fraudulently apply for a card in my own name, that I have been paying in full and on time. They have wasted hours of my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied to Bethpage credit union for a line of credit. I could not get into sign documents. I emailed them 3 times about this. No reply. So I never signed the documents, yet they somehow checked my credit report, with no written authorization. We could not come to an agreement on a payoff item. So I ended up canceling my request. They wanted me to pay at at closing an unsecured loan that was at least 2.5 point lower then their rate, and would not substitute payments to Higher rate credit cards. no I worry that they would say denied when it was I who cancelled. And how do you check credit, which was good anyway, before you get authorization. I found their behavior very unprofessional. people should be aware of how they operate.

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 2023-05-22
Company: EQUIFAX, INC.
State: VA
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:
Equifax is reporting false information about me. Someone started my XXXX credit card then made fraudulent charges of only {$17.00}. 

I sent Equifax an ID theft affidavit and a police report but Equifax is still reporting false, fraudulent information above me in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Please refer to the attachment which describes my complaint in full detail. In summary, I received a " targeted '' offer from the American Express Delta Skymiles Gold card. It was a " targeted '' offer because it not only contained my name, address, etc. but a unique ID number that was specific to me. The incentive on the offer was a {$50.00} statement credit and XXXX Delta Air Lines Frequent Flier miles after meeting the requirement of making total purchases of {$2000.00} within 90 days of receiving the card which I performed. Subsequently, American Express refused to honor the incentive claiming that I had previously received this offer. I asked American Express, if I had previously received this offer and did not qualify for it, then why was I not only targeted with a unique ID offer number but when I applied for the card, there was no decline by American Express stating that I did not qualify for this offer. American Express could not answer my question and I am seeking the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
Contacted Nissan, shows my account was delinquent in XXXX of 2018. I was not delinquent in XXXX. They need to make the necessary adjustments on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXBalance : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

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 2023-10-25
Company: LEXISNEXIS
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose.

Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-06-19
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX through two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over two days and I still do not have access to my money. If you've followed along, you will have realized they had over a week to verify the account and only did so after they received my money. Denying me access to my $ XXXX. MY MONEY! They refused to accept the information on my account and they requested more information that was very personal I told them to close the account $ XXXX.All they have to do is put the money back in the account where it came from they will not unfreeze my account or give me access to my money. " I tried calling them and they disconnect immediately and wont respond and they are holding my money, and refuse to give me my money back or close my account. I tried to contact to them via email and they wont respond or give me my money back. They owe me {$4000.00} dollars and will not contact me or take my calls. I want the {$5.00} back for the checks I am never going to use. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Thank you for hearing my compliant for this is my second attempt to resolve this matter with TransUnion... .I am a senior citizen that lives on a fix income and for some reason this company has reported a account that i had never opened...... I have all satisfactory accounts on my credit reports...... I feel that i am being taken advantage of and also being discriminated as a XXXX american women ... .My next action will be take civil action for this can be very expensive for me but atleast i will have fair treatment ... ..Please help me because the other credit agency have resolve this matter in a timely matter...

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 2023-06-19
Company: EQUIFAX, INC.
State: OH
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:
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 numberXXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-07-08
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: ND
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:
ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

-XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX Balance : {$500.00} LENDMARK XXXX Balance : {$4600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$4300.00}

Company response to consumer: Closed with explanation