BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: MRS BPO, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A COLLECTION ACCOUTN WAS PLACED BY COLLECTION AGENCY MRS BPO ASSOCIATES ABOUT A ACCOUNT FROM DISCOUNT POWER. I MADE A DISPUTE THROUGH XXXX AND THE ACCOUNT FELL OFF MY CREDIT REPORT, HOWEVER I ALSO MADE IT THROUGH XXXX AND THE DISPUTE WAS UNSUCCESFUL. I CALLED THE ORIGINAL ACCOUNT HOLDER DISCOUNT POWER TO FORMALLY DISPUTE AND THEY PROVIDED ME WITH THE FOLLOWING INFORAMATION THAT MY SOCIAL SECURITY IS NOT MATCHING MY FULL NAME XXXX XXXX AND ADDRESS THAT IS ON FILE IS NOT MATCHING MY CURRENT ADDRESS THAT I HAVE OBTAINED FOR 4 YEARS. THE COMPANY AGREED TO REMOVE IT AS LONG AS I HAVE A FRAUD CASE REPORT TO PROOF THIS ACTIVITY. I ALSO HAVE FROZEN MY ACCOUNT FOR FUTURE FRAUDS TO BE HAULTED FROM BEING USED. XXXX HAS ALSO AGREEDED TO THE REDISPUTE WITH THE FRAUD REPORT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
On my XXXX credit report and credit file I got a mix credit report and file that lead my credit report and me to being a victim to indentity thief r address that dont belong to me on my credit report and I want them remove and a clean up on my credit report I want yall to separate whats mines and the persons that information is mix up in my credit report and file and I got a problem work Experian to they took my address off my credit report and I need them to update it back on to my Experian credit report and file and on my XXXX report I need my number update to the current phone number XXXX and I need XXXX to send me my updated XXXX of XX/XX/XXXX credit report and credit score Thxs and I need Experian to send me my updated credit report and score from XX/XX/2023.

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 2023-11-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone tried to obtain a chase credit card under my social security number. They attempted to obtain this credit card 3 different times. Chase bank did denied the application. They sent me a letter telling me someone was using my information fraudulently. 
The dates they tried to obtain credit was XXXXXX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I want to take out some products and services and they told me it was too late to change it but they never help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX balance {$2600.00} shows open with the last payment made in XXXX. This account was paid in full in XXXX and closed. It does not reflect as such on the report. I disputed with Experian and they stated it is accuracys and it is not. 
Experian is terrible about reporting accurate and timely information. The customer service experience is horrific.

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 2023-11-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received freedom unlimited card today XX/XX/2023 and never applied for it. Once received I contacted companies fraud department to close account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Atlanticus Services Corporation
State: NY
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:
Aspire is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Aspire is in clear violation of this law. Aspire is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Aspire has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received XXXX automated phone calls on Sunday XX/XX/XXXX at XXXX, XXXX and XXXX. All in which customer service is closed on a Sunday. I have already spoken with a representative about my payment being late due to health issues ( had recent multiple surgeries ) and the representative said it would be okay.

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 2023-08-13
Company: EQUIFAX, INC.
State: CA
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:
THE FOLLOWING ACCOUNTS ARE UNVERIFABLE AND INACCURATE : 1 ) XXXX Partial Acct XXXX XXXX  .... 
2 ) XXXX XXXX XXXX Partial Acct XXXX XXXX .... 
3 ) XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
I HAVE REACHED OUT TO EACH OF THESE COMPANIES AND REQUESTED THEM TO VERIFY THESE ACCOUNTS. WHICH THEY FAILED TO DO. I ASKED THAT PROVIDE ME WITH SOME DOCUMENT BEARING MY SIGNATURE AS PROOF OF ME BEING RESPONSIBILE FOR THE DEBT AND THEY HAVE ALL FAILED TO PROVIDE ME WITH SUCH DOCUMENTATION. THEREFORE, MAKING THE ACCOUNTS LISTED ABOVE UNVERIFIABLE. IT IS TO MY UNDERSTANDING THAT REPORTING INACCURATE OR UNVERIFIABLE INFORMATION IS A VIOLATION OF MY RIGHTS ACCORDING TO THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
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:
My wife and I shared a checking account with Citizens bank. In early XX/XX/2019 my wife passed away. She had previously authorized Citizens Bank to withdraw automated payments of {$16.00} per month with a Vendor named XXXX, as I recall. ( Note : I was not involved in this commitment at all ). I went to Citizens Bank several times over the past few months, first with her death certificate to have them stop these withdrawals, yet they continued to take the money from my bank account every month. They suggested I take her name off the account, which I didn't do as this would have messed up the Social Security deposits. Recently, I went in to close the account and they told me that if the {$16.00} withdrawal requests continued to come to the bank, they would have no option but to reopen the account and charge me for these unauthorized withdrawals. Meanwhile, they have already withdrawn 4 payments that were not authorized. Its bad enough that I've had to deal with the passing of my wife, having this added stress is so disrespectful, discourteous and heartless. Note : I relocated to XXXX XXXX, CO and wanted this resolved before I moved, however, they have refused to cooperate despite all my attempts the past several months.. Please also note, I am a Senior citizen, XXXX years old, retired and also a Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2023, I saw information on my Chase app that they locked my account due to suspicion. I then called Chase several times, and they said that they could not tell me the specific reason, and they forcibly closed my account and made me wait for review. But as of today, XX/XX/XXXX, I still haven't received my money. The customer service had nothing but gibberish, and they couldn't tell me why and keep me waiting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Southwest Credit Systems, L.P.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A family member contacted me about a company called SW Credit Systems L.P calling them and Harassing them about an alleged debt owed by me. This family member told them to do not call and they continually call at all hours of the day. I have never personally received any notification of anything from this company to see what they are actually stating as to the alleged debt. Today I received a credit report alert as to a collection added by SW Credit Systems L.P. on my reports specifically  XXXX . Stating nothing but an amount of {$590.00} States   XXXX   XXXX   to which I have never had showing open account as of  XXXX  2017 which never happened. Never received anything from this company in the mail or in any other form whatsoever prior to adding to my reports false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On   XXXX    XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with  XXXX , and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCRA. Equifax and  XXXX  allow for the dispute of inquiries, but neither do a reasonable and adequate investigation, both completing their " investigations '' in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We purchased a XXXX XXXX and it was financed through Bank of the West. BMO has now purchased Bank of the West. Our XXXX is faulty XXXX XXXX XXXX is paying off our loan. On XX/XX/2023, I called BMO customer service number and requested a summary of payments and a W9 to be mailed to XXXX XXXX. I received an email from XXXX XXXX ( XXXX XXXX ) to advise she had not received the W9. I also only received the latest statement. 
Yesterday ( XX/XX/2023 ), I was on the phone a total of almost four hours and spoke with multiple people at BMO trying to get a W9 faxed to XXXX XXXX. The majority of people thought it was form to prove US Citizenship. I finally spoke with XXXX at BMO and she was a resolution manager. She advised she would fax the W9 to XXXX. I received an email from XXXX at XXXX to advised she had not received. 
Long story short, I have documented several different times from BMO that they do not and will not send a W9 to XXXX XXXX so they can pay our loan off. I contacted Consumer Affairs and they advised I needed to file a complaint with your organization regarding this refusal to provide XXXX XXXX so they can pay our loan off and report this payment to the IRS.

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 2017-05-19
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on  XXXX   XXXX  I received a call informing me after  30+years of u sing  my American Express card they  put a hold on my card until I will give them permission to go through my I R  S ta x returns .I have never been late on a payment and have generally either paid the full amount or more than the amount due ever month. I informed them I was out of state and was using my card for motel & gas. They gave me no reason for this action beyond they want to know my income and they will decide if I can afford this card. I DO NOT think that is their decision to make as long as I am making my payments!!!! I feel they are judging me on my age and  XXXX . I am  XXXX  and no longer have a high income but I have been  XXXX  for several years and am managing fine, they have no idea what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: MoneyLion Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to sign up for MoneyLion and an error message alerted me that my SSN was already attached to a profile. I called MoneyLion and asked if they had an additional profile attached to my XXXX and they opened an investigation. The issue was not resolved so Ive been calling and was told there was nothing they can do. Someone has taken cash advances under my identity and apparently MoneyLion has not closed the account. MoneyLion does not appear to ever verify identification outside of asking for self-identification through an app.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have advised Accelerated Financial Services of of this fraudulent account being reported on my credit file. I have advised them that it does not belong to me and is the result of identity theft. However they have refused to cmply with he law to remove it. I have mailed in a copy of an FTC report. They ignored it and sent icopies of stolen, forged docs to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: FL
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EQUIFAX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: U.S. BANCORP
State: TN
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:
I got a new US Bank small business credit card on or around XX/XX/2023. I used it normally for a couple of months, and then US Bank decided to close the account right after I had met required spend to earn the sign-up bonus, depriving me of all my rewards I was due. I have tried to contact them to have my account reopened multiple times, and I have been promised callbacks from managers multiple times, but no one ever calls me back, and my account remains closed.

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 2022-12-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft due to the Equifax data breach. I have spent hours and over {$15000.00} since the data breach negatively affected my life. I have filed police reports and experienced gas loss and wear and tear from traveling back and forth to and from precinct. I have filed FTC reports due to inaccurate information found on XXXX XXXX report due to identity theft. I have also reached out to creditors via mail and phone to report fraudulent activities on my credit report. I also had to relocate with family due to the data breach making it near impossible for me to move forward with anything credit related. I also had to send letters to XXXX system to close inaccurate bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a XXXX, my low was a XXXX from Transunion and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has one piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies, ( 3 ) mortgages over $ 1.3M paid in full, never late, no bankruptcies and I am a XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

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