BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: WLCC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 I received an email from XXXX with XXXX regarding a loan with outstanding balance. I contacted my bank as I had paid off a loan to another company with the name XXXX. They apparently are one in the same. they received payment. I replied to this email asking for a validation of debt as he was quoting a different name/amount that I was originally aware of and paid. 

All the email correspondence is attached along with daily voicemails. He totally ignored my request and now I am being harassed daily by email and or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-11-02
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 explanation
Consumer complaint received 2023-09-16
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
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.

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 2022-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a non-negotiable draft # XXXX drawn out of XXXX XXXX XXXX. was deposited in the amount of {$21000.00} to JP Morgan Chase Bank, XXXX checking account belonging to XXXX XXXX XXXX XXXX XXXX XXXX. The check deposit was made at a physical branch located in XXXX XXXX, FL. The check deposited cleared on XX/XX/2022, evidence can be found by looking at the online banking activity. 

After reviewing the available balance through Chase online banking on XX/XX/2022, an authorized signer initiated an online domestic wire transfer around XXXX in the amount of {$210000.00}. At the time of making the wire transfer the available funds were greater than $ XXXX. 

Later in the evening, ( around XXXX, XX/XX/2022 ) a text message notice sent by Chase XXXX there was a negative balance on the Chase checking account. The bank ( Chase Bank ) decided to put an " unreasonable special hold '' in the amount of {$20000.00} for a period of XXXX business days, same as XX/XX/2022. 

The Chase checking account ( " XXXX Account '' ) has been in " good standing '' since it was opened more than XXXX years ago. The account has never over drafted, there has never been any fraudulent checks issued, no fraud has ever been associated with the account whatsoever. 

The negotiable draft # XXXX is a non-local instrument which at XXXX would incur a XXXX business day hold. Let 's establish XXXX fact, the funds for check # XXXX in the amount of $ XXXX have cleared since the payee provided me with a detailed bank statement on XX/XX/2022 when a Chase customer service rep made me aware the funds were not available after talking to XXXX Bank. 

After speaking with a Chase customer service supervisor, " XXXX XXXX ''. XXXX XXXX explained the hold on my the account is due to the funds from the check deposit amount ( large sum ) funds which have not been collected. I tried reasoning with 2 customer service reps and XXXX XXXX but they failed to establish a reason to issue an unreasonable special hold wait period of 9 days. The Chase employees said the issuing bank XXXX XXXX XXXX  ) could not verify if the check had cleared on their end. 

This entire scenario has been blown out of proportion. It is the beginning of the month and the account can have automatic payment deductions for my debt obligations. Chase bank is placing my credit score at risk of endangerment if I can not meet these debt obligations. Furthermore, under XXXX " XXXX '', the bank has failed to provide me with a notice for an extended special hold and their reasoning for placing a 7 business day hold on funds which have already been cleared by the issuing bank. This alone is non compliance of XXXX " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Jim Bottin Enterprises, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/23, XXXX 's XXXX ( XXXX, Maryland location ) issued a {$25.00} charge for a daily guest pass to a XXXX credit card account ending in XXXX that is not, or no longer, being used by me. My member ID from another gym was fraudulently utilized as I am not a member of this XXXX 's XXXX location. ABCFinancial will attempt to collect payment. The billing XXXX at XXXX 's XXXX is not able to resolve this due to personal inaccessibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite METRO 2 Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.

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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
New information Fraudulent Charges by XXXX XXXX XXXX XXXX : XX/XX/2023 To : American Express Dispute Resolution Cente Subject : Fraudulent Charges by XXXX XXXX XXXX - Urgent Action Required I am writing to report fraudulent charges on my American Express card for services and products not received or performed by XXXX XXXX XXXX. 

Previous Efforts : In XX/XX/2023, after 7 months, the dentist admitted to not providing a XXXX graft and a yearly membership and claimed I was refunded. 
I was also charged for Gingival irrigation not agreed to or provided and Post op visit a month after Cancellation as I only went in to discuss my outrageous bill XXXX never received any refund from the bill, and American Express has not processed any refund for these items. 
I filed a dispute with American Express for these charges. 
On XX/XX/2023, I took XXXX XXXX XXXX to small claims court and was awarded the maximum damages allowed in California ( {$10000.00} ) plus court costs. 
The Judge agreed that this work was never preformed and these charges should imeefiatrl cond off of my bill and be charged back to Merchant! 
I have requested a call back from a supervisor XXXX times by telephone, fax and this site in early XXXX regarding this matter but have not received any response. 

Current Status : The dentist is delaying the court-ordered payment by postponing it twice and requesting a new trial. 
The fraudulent charges remain on my American Express account. 

Action Required : Immediately charge back the judgement of {$10000.00} and all the additional fraudulent charges over and above that to XXXX XXXX XXXX. 
Investigate why the previously requested refund for the XXXX graft and yearly membership was not processed including gingival irrigation and post op visit. 
Ensure that all fraudulent charges are removed from my account. 
Additional Information : You have received documentation supporting my claims, including : Copies of my dental records showing no evidence of the XXXX graft etc. 
Copies of XXXX dental reports by independent dentists. 
Proof of the court judgement and award of {$10000.00} XXXX records with the dentist and American Express. 
I am available to provide any further information you XXXX require. 
I urge American Express to take immediate action to address this matter and resolve this issue to my satisfaction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CO
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 this account has violated my rights. 

WHATEVER THE ACCOUNT IS : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Synovus Bank
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX5 USC 1861 section 602 A. States I have the right to privacy. Synovus Bank sold my private information to XXXX XXXX XXXX. Which therefore violated my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got treatment in XXXX XXXX XXXX XXXX XXXX for accident on XX/XX/XXXX. I paid all my bills in XX/XX/XXXX. After this incident I never went to this hospital for any treatment but hospital sent me bill for treatment happened on XX/XX/XXXX. I called them more then XXXX times spoke to employee name XXXX to clear I was not at their hospital after XXXX maybe someone else used my social number to get treatment. But they send this bill of XXXX to collection on my social. Now it's showing as derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023, I submitted dispute letters to Equifax, XXXX, and XXXX regarding inaccurate information on my credit report. Despite my submission, Equifax, XXXX, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. I'm reaching out to you today because I'm really upset with Equifax, XXXX, and XXXX - the three main credit reporting agencies. The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on the dates above.

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). I'm really at my wit 's end here and I'm hoping you can help me resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ;

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 2023-05-15
Company: EQUIFAX, INC.
State: FL
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 complaint cites serious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 committed by XXXX XXXX XXXX XXXX. These violations have resulted in significant harm to my privacy and have impacted my consumer rights. I hereby request a remedy in accordance with 15 USC 1681n for the damages incurred.

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information. 

XXXX XXXX XXXX XXXX has unlawfully shared my personal information without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805, Privacy Act of 1974 as well as their very own Privacy Notice which is attached to this complaint. This unauthorized sharing of my personal information has resulted in a breach of my privacy and caused me distress and concern. I demand that XXXX XXXX XXXX XXXX immediately cease any further sharing of my personal information and to take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions. 

In addition to the aforementioned violations, I have discovered that XXXX XXXX XXXX XXXX has improperly shared my experiences and transactions on five separate occasions during the period of XXXX to Equifax, XXXX, and XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I request that XXXX XXXX XXXX XXXX take immediate action to rectify this violation and ensure that my experiences and transactions are not further disclosed without lawful justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: National Credit Systems,Inc.
State: PA
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 National Credit Systems Inc Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: MD
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:
Hi, I have closed a dispute on my account, and I received an email from the merchant indicating that they have reached out to my credit card to close this case in my favor and they no longer will charge my account for this order. However, the bank has reversed it, and I still see the charge posted on my bank account. I have reached out to the dispute department of my bank serval times, and I was told there is nothing they can do since I closed the dispute. 

Thank you so much for your assistance with this 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-05-15
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:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see fraudulent inquiries. This is very upsetting, please remove these inquiries from my credit report within 4 business days. 





Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX  XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INCINQUIRY DATE : XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief