BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NC
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:
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. 

XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-04-07
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I applied for the American Express, Delta sky, Miles flex perks account. 


The Delta sky club advisor told me I would get an incident response once I applied. I informed the sky club representative that I had a freeze on my credit report, and they advised to submit the application I didnt receive instant approval and the advisor told me to then remove my freeze and apply again. After reading the fine print of the card, it clearly stated do not apply. Multiple times Because I was ill advised I think American Express gave me the lowest limit based on my credit account being locked and froze This card is the only card that allows access to Delta sky club and has the additional promotional offers when you spend a certain amount within your first few months of having the card. It was also a referral from another American Express flex, perks card member.

I didnt receive any approval letter electronically. I didnt know I was approved until the card came in the mail with an extremely low credit limit.

My credit score is in the XXXX my income is very substantial without giving personal information. My credit limit is not in line with what American Express has given other consumers that have much lower credit, scores, and income levels. 

When I tried to call and speak to someone in the fair lending department, the American Express customer service rep could not get me over to anyone, and said my only option to increase my limit is to put in a request that was instantly denied. She then went on to explain her computer system did not allow her any options to get me to anyone physical to talk to. 

I asked her to file a complaint and the rep filed the complaint without understanding the full story or articulating my concern, so I was not listen to nor understood, nor was my problem solved.

My complaint to this bureau is to point out unfair lending practices, bait and switch tactics, and any consumer should be able to speak with someone in the finance department or fair, lending department, when being excepted to have an American Express card.

I also want to point out that I should be getting additional benefits because this was a referral from another card member but not only is my account not set up properly neither is the other cardmember Thirdly, with a low credit limit. Its impossible for me to get the promotional offers. If you have to spend {$6000.00} in a certain amount of time, but your credit limit will not allow you to meet those requirements that is also unfair and predatory in my opinion. It will also negatively impact my credit score by having such a low limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX I was a victim of identity theft. My phone, email, bank accounts, social security number were compromised. After speaking with XXXX and XXXX, we believe that my phone may have been cloned.

During this, the thieves used my information to log into my online banking and place a wire transfer to an unknown account of {$24000.00}. I notified Wells Fargo of the fraudulent transfer, and closed my accounts with them and obtained new account numbers and debit cards. Upon placing the fraud alert with Wells Fargo, I was told it would be investigated and I would hear from an investigator within 10 days days. 

Having not heard from them, I called customer service today XX/XX/XXXX at XXXX for an update where I was informed that the claim was closed by the investigator and the wire transfer was confirmed and completed. They said they attempted to reverse the wire transfer but were unsuccessful. I did not receive an answer when asked why the investigator never spoke to me and all they told me is that they would put in a request for them to contact me. As of now I still have yet to speak to a fraud investigator.

I received a call from customer service regarding my earlier call to go over the findings and was told that since the thieves authenticated using my stolen information, there was nothing they could do because they proceeded under the assumption it was me. That agent did, however, tell me that the investigation showed that the user operated using a VPN for my general area to access the online banking, and it was shown that it wasnt my usual IP identification, yet the transaction was not flagged as suspicious and continued to go through. I have set daily limits of {$5000.00} on my accounts which I assumed protected me over such a large theft, but apparently that does not apply to online wire transfers. That limit is {$25000.00}, which is why the thieves transfered {$24000.00} and not the full amount of my remaining bank account. 

When I asked the customer service agent for the information of the account or person the money was transferred to so I could include it in my police report, I was told that to protect their identity, they couldnt access or disclose that information. They put a request in for me to have that and was told someone would call me back within 5-7 business days.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
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:
I have been disputing this account with Wells Fargo from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!

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 2023-04-07
Company: NCD Financial, LLC
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:
I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ) NCD FINANCIAL LLC Identity theft 12 CFR 1022.3 ( h ) using my identifying information without authority ____________________________________________________________________________ i do understand NCD FINANCIAL LLC thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) making Creditor NCD FINANCIAL LLC a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( XXXX ) ( A ) ( i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Opportunity Financial, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company has been unfair in their business practices. Theyre high rates for interest and coupled by the fact that the bank, XXXX, attempts to shelter their shady practices through separate entities such as OppLoans. This bank is not reputable and skirts banking regulations to take advantage of low income people. I attempted to setup a more manageable plane with them and their response was you signed up for it, it is your fault is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has removed three of the items that are being reported as 'closed ' collection items. They are from XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, Last year I visited an XXXX XXXX XXXX to receive treatment for food poisoning. They collected samples, ran tests on XX/XX/XXXX, gave me the results, and I paid my bill with them directly. The name was XXXX XXXX in XXXX XXXX, XXXX. I received my results over email and no longer had any communication from them. 

Fast forwarding to now, XXXX of XXXX I just got a call from a Debt Collection Service ( Harris & Harris ) that I have an outstanding debt from XXXX XXXX XXXX for Lab testing? I never visited or received treatment at any XXXX facility at all last year, so I had no reason to believe any billing statements from them were legitimate. The billing statements were sent to an incorrect address so I never had a chance to address the issue. There was no attempt made to contact me through mail at my correct address or through email. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Saying I owe an amount that I dont owe. Also, I have never signed a contract or anything with Westlake Portfolio. The customer service rep couldnt locate a contract or anything that I personally/legally signed stating that I will pay them x amount every 2 weeks. When called, it says Westlake Financial. 
XXXX XXXX XXXX has already closed this account on my credit report. So this account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: AL
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:
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.

The letters are stated with items and issues.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: TX
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/2022 I have received an alert on Credit Monitoring application that stated the Consumer Adjustment just flagged my credit report with 3 unknown debts of {$230.00}, {$340.00} and {$650.00} to all 3 credit repotting agencies.This is out of network charges that I never received notice.This is a violation of my rights under the No Surprise Act of 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 explanation
Consumer complaint received 2019-11-19
Company: SYNCHRONY FINANCIAL
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:
Account is being reported with incorrect status and history. I have sent numerous letters asking them to update this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) ( XXXX XXXX  # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ) and o feel my rights are being taken advantage of. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2022-11-23
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I'm trying to use this american express reward card to buy XXXX e-giftcard regardless what amount I still get declined. It did a pre-charge but unable to go through each time. I did it 4 times and still get declined. The total amount is still less than the reward card balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 items 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 XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX BANK XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX XXXX, 2021

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 2023-09-27
Company: BlueChip Financial
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX OHIO : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on XXXX XXXX in the armed forces of the United States or a dependent of that person. 
( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 490 % The amount financed : {$400.00} 28 % on top of {$400.00} = {$510.00} 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 
According to Ohio state law, payday lending is legal. 
Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief