BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX i have taken the steps to pay my collections and remove them I also pay my credit cards in full all 3 major companies are falsely claiming late payment and charge off not reflecting I paid in full XXXX  XXXX  on its sites indicate that if I pay my collection I get score increase by removing that debt I did that and no score was updated Ive email them proof ask them to update information and they have not done so XXXX car site promise it does not pulled hard inquiries o show proof they refuse to remove it please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: IN
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:
Account is past 7 years old, and needs to be removed from reports. This inaccurate information has messed up my credit for long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX NA 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 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-05-30
Company: EQUIFAX, INC.
State: IL
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:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I requested an account payoff letter from Wilshire Consumer Credit to reflect what the payment amount would be to settle my account, the amount given in the letter was XXXX ( per diem interest XXXX a day ). XX/XX/XXXX an amount of XXXX was paid to Wilshire Consumer credit from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX due to total loss following a car accident. I received a payment history letter, XX/XX/XXXX confirming that my account was paid off. Wilshire Consumer Credit however has on my report that my car was a redeemed repossession and {$7500.00} is past due as of XX/XX/XXXX on my credit report. I have proof of all letters to show this to be a false report on my credit report and Wilshire is unwilling to accept responsibility of the letter they themselves forwarded to me, and is unwilling to acknowledge that my account was satisfied. May I also note that Wilshire is trying to settle this account for an additional {$1500.00}. This is my second title loan so I know how the process works to know better than that and Im disappointed to see business is being handled this way, and to think we as citizens are penalized for fraud!

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 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a problem with my Bank of America Account Numbers : XXXX For some reason Bank of America Closed My Account On XX/XX/2022 for No Reason and i The Bank did not Gave me Any Explanation why they closed my Account Ending XXXX and i received a direct deposit from Social Security Administration in this account on the First 1th of each month and also on the 3rd of each month Bank of America refused to give me the funds from my Direct Deposit From Social Security at the Bank Teller and Also the Customer Service Numbers. Bank of America has not Return the XXXX Check Back to Social Security and i did not Receive my Payment For XX/XX/XXXX and XX/XX/2022 and can not withdrawal the funds from the account where the hold was place on closing the account bank of america is refusing to give me my money or to return it back to Social Security

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 2022-01-10
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items 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 2019-09-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX  doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and equifax showing 3 false credit reports. All the inquiries span of the dates of XXXX XXXX XX/XX/10 all these have more then one application for a credit card opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I spoke with someone, this morning in the disputes department of Barclay Card.Not only was she condescending and kept interrupting, her responses and tone can tell she didn't care, frustrated and unprofessional. 
I was charged for a XXXX rental, that was prepaid, with mileage I earned on their card with their partnership through XXXXThe rep I spoke to today told me they have nothing to do with them, though, they sold me the card because of their joint relationship.I was charged almost {$500.00} for the rental that wasn't suppose to be.And for the last three weeks, have been given the run around by both XXXX, XXXX and of course Barclay card. 
Their ethics of doing business with customers ( at least for me ) is reckless, irresponsible, unprofessional and not obscure. 
Their responses to issues are so bad.In XX/XX/XXXX, my card was fraudulently used and it took them a week to notify me, not by e-mail or phone but via text but you want to get paid on time but fail to neglect your duties to customers

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 2023-07-31
Company: T.S. Holdings
State: NV
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:
Please validate this debt because : * I would like debt validation on this account, as requested. 
* I have not made any payments on this alleged account that would have reduced the balance. 
* I would like proof of how these alleged payments were made. I believe the reporting is false and an attempt to keep this account active on my credit report. 
* I would like an explanation of how any increases were calculated on this alleged account. 

Based on the reported activity, it seems that IQ Data International Inc may be updating this alleged account to keep it active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi we have a checking account with Chase Bank. They are charging us for an internal transfer between our bank accounts after they took over First Republic Bank. This fee makes no sense because it is just their computer systems not agreeing. This is affecting my credit score and is them taking advantage of consumers who have unwittingly been forced into their systems as part of their takeover of First Republic. It is not my problem that their computer systems do not talk to one another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Paramount GR Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Solar panels were installed and tree trimming was included in the total charge of the contract. The company refused to trim tree limbs overshadowing the panels as was promised in a verbal contract and is included in the total cost and service in monthly payments. And tree trimming that has not been done. Due to an epidemic of webworms and the limbs not being trimmed, the panels have become dirty and not performing as they should. The panels have been red-tagged by the fire department and did not pass the inspection. I have been unable to find the registered agent for this company in order to file a complaint in small claims court. As a XXXX XXXX I feel as though I have been taken advantage of. I have withheld the payments from Good Leap Finance company for this reason until this issue can be resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from Citibank that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from Citibank. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.

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 2023-07-31
Company: Affirm Holdings, Inc
State: WA
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 do not recognize any of the 19 delinquent accounts on my credit report listed under Affirm INC . Initially, I thought these may have been mine when I noticed all of my information attached to these accounts ; however, upon doing more research I quickly discovered that these accounts are not mine.These loans were all processed online and when I tried to dispute these loans to all three credit bureaus theyve come back as verified. When I tried to speak to a representative at the Affirm company these just told me it was their duty to report such information to the credit bureaus. Please have Affirm INC remove all 19x delinquent loans from all three of my credit reports from each bureau as I have been a victim of identity fraud. I have submitted a report with the FTC, for the maximum amount of accounts possible - 5x in total with Affirm INC . However, Affirm has hands down been the worst company to try and get this errors removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
This is in response to a dispute with CFPB submitted on XX/XX/2023 with creditor : XXXX XXXX Account XXXX which completed results on XX/XX/2023 and also submitted on XX/XX/2023 creditor : XXXX  XXXX Account XXXX Account XXXX and completed results on XX/XX/2023. Experian stated that the above accounts were verified. Please provide your ( Experian ) METHOD OF VERIFICATION and provide the procedure taken to make sure that each account was 100 % accurate in accordance with the FCRA. Please provide 1 ) Proofs of steps taken in your independent investigation 2 ) documentation to validate the disputes. Please mail me proof of your independent investigation or remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$4700.00} XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I reached out to American Express for a billing error dispute of the entire balance of {$2100.00} my letter was sent XX/XX/2023 XXXX and delivered XXXX XXXX. I sent out a " Billing Error Notice Affidavit Of Truth ''. Which will be attached to this complaint. My claim is that American Express failed to give me general disclosure which is a breach under " Code Of Federal Regulations " ( 12 CFR 1026.17 ). Im requesting the books and accounting related to my account because on my billing statement I am looking at a positive balance and if I caused American Express any deficit in the books i should see a negative balance on a TRUE BILL IN COMMERCE. American Express has responded but has failed to send me a true bill in commerce. Understand in according to a specific law ( 15 U.S.C. 1666d ), if there is an excess amount of money in your account ( a credit ) that is more than {$1.00}, the credit card company should give that extra money back to you. They should do this by sending you a check for the surplus amount. 

To ensure this happens, the law ( 15 U.S.C. 1666 ( b ) ( 2 ) ) requires the credit card company to provide evidence and documents ( books of account ) to clarify and resolve any billing errors related to this extra amount. This evidence will show how the credit card company arrived at the credited balance and why there is a surplus. 

In summary, the law mandates that if there's extra money in your account ( a credit ), the credit card company must send you a check for the surplus amount, and they need to provide evidence to explain and resolve any errors related to this credit.

Company response to consumer: Closed with explanation