BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
Am Ex Account ending in XXXX Membership Rewards Number- XXXX On XXXX XXXX, 2016, I applied for and was approved for the American Express Platinum card. This card required spending {$3000.00} within three months and receiving XXXX points in return ( XXXX ). 

Am Ex is now refusing to honor this agreement ( as well as XXXX other people who are in this same situation ). All of my expenditures were legitimate and I reached the spending required on XXXX XXXX, 2016. 

Put simply, Am Ex accidentally made public a private offer, I was approved and they are now seeking to punish those who appropriately applied and were approved. 

Additionally, Am Ex has frozen my ENTIRE rewards account, preventing me from not only using the XXXX points for the Platinum card, but an additional XXXX points which are in the account and have nothing to do with this promotion. 

I am simply asking that Am Ex honors its agreements and stop punishing their customers. I have been an Am Ex member for almost 20 years, they have made thousands of dollars in profit from me, I have never made a late payment and there is no basis for the denial of the benefit Am Ex agreed to. 

Please contact me if any questions and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I opened a dispute on three separate XXXX advertising charges. Discover credited me the disputed charges while they complete their investigation. During the course of their investigation, around a month later on XX/XX/XXXX, they sent an email that I should call regarding my account without any other context. I called that number and it was the automated line for customer service. 

On XXXX I received an email that the investigation was not found in my favor and the money was again charged to my account. Looking over the documentation provided from the investigation, I could see that the merchant information had " XXXX XXXX, CA '' and " XXXX XXXX '' in the address with an incorrect zip code. 

Obviously, there wasn't much done in their investigation and I just spent hours on the phone with them for them to only tell me that it will take another week. 

Discover operates, like most companies, on a " someone else 's problem '' type of support. As long as the customer swirls around enough through the crapshoot of support, they'll eventually get the problem solved. A lot of XXXX falls through the XXXX with this operating model, clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wow. This is the second time I have tried to request help concerning my student loans. 
I am currently going over my credit report and I found out that my student loans are not reporting correctly. We are still under the Extended Forbearance On Student Loans. All my loans are still reporting wrong on all my credit reports. I have an unverified account from XXXX # XXXX. This account has to be a mistake or error I have never lived in Indiana nor have I gone to any College or Institution in that state. My current and only address : XXXX XXXX XXXX XXXX XXXX, XXXX KENTUCKY XXXX. I have a few other errors as far as my addresses please delete the following addresses they do not belong to 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 explanation
Consumer complaint received 2023-05-09
Company: Block, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX - Cashapp took {$220.00} from my account stating that XXXX updated a purchase from XXXX XXXX which was already paid and there were no issues- I contacted XXXX and they stated that Cash app was the guilty party due to a technical glitch they were experiencing- and hundreds of people were calling XXXX with the same complaint. 

The response I got was not true- XXXX had their deduction at time of order- this is double billing and theyre keeping the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX, Experian and XXXX are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on  accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2021, I XXXX XXXX ordered a copy of my LexisNexis Consumer Disclosure File to see what was reporting on my file. 
When reading my Consumer Disclosure File from LexisNexis dated on XX/XX/2021, I noticed an item in the business association named XXXX XXXX  which is associated with a person named XXXX XXXX. I have disputed this item at least twice and twice LexisNexis has violated the Fair Credit Reporting Act by re-inserting this item without notifying me within 5 days of reinserting the item. 
This has stop immediately or ill be forced to take legal action due to the re-insertion of this item back on my LexisNexis Consumer File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I applied for a car loan from wells fargo dealer and noticed i was marked late for every payment on my credit report. I called wells fargo dealer services for 3 months and they reported they were charging me for car insurence as well I already had my own car insurence and provided proof.

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and TransUnion. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while XXXX and TransUnion are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.

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 2022-12-06
Company: EQUIFAX, INC.
State: NC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received XXXX repeated call from XXXX ( XXXX ) XXXX at times ranging from XXXX am, XXXX am, XXXX am, XXXX am, and XXXX am. These calls were taken place on Sunday, XX/XX/2022. The number is from Credence debt collection agency on their website it states that they are not open on Sundays but yet Im received repeated calls within an hour time span.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: LEXISNEXIS
State: LA
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:
Lexis nexis has several inaccurate and fraudulent accounts on my credit report. Ill list them below : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX  XXXX XXXX, XXXX XXXX, and several student loans from an address I never lived at. This is influencing the credit bureaus to give me a negative credit rating and I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: KEYCORP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My name is XXXX XXXX. I purchased a cashiers check from Key Banks XXXX XXXX XXXX XXXX XXXX Utah branch in XX/XX/2016. The funds used for the check were taken from my personal account with Key Bank. There was a mistake made on the title listing Key Bank as a lien holder. I have never had a loan from Key bank of any kind. When I contacted them about this mistake I was told to talk with several different departments. Everyone I have spoken with has told me they can see i don't owe the bank money, but nobody will provide me with any documentation of it to have the title changed. The vehicle is sold and I am trying to get another but this wrongful lien is preventing me from moving forward with the sale. I have provided the bank with pictures of the title and vin number to no results. There should never have been a lien on this vehicle as it was purchased with personal funds. I understand that the bank didn't put their name on the title. That was XXXX XXXX XXXX of XXXX Utah. My issue is that Key Bank doesn't seem to care that they are costing me financially in postponing the sale of the vehicle by not simply emailing/mailing me a lien release or letter of non interest in a vehicle that they they have no legal claim to. It is my understanding that a wrongful lien is illegal and that they would want this matter handled quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-11-03
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:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : 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 explanation
Consumer complaint received 2023-10-25
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:
My complaint is that I have been scammed for approximately {$1300.00} through my card through online purchases from XXXX, XXXX, XXXX, and XXXX. All of these purchases happened on the dates of XX/XX/XXXX, XXXX and XXXX. I had filed a complaint and was provided a new card but the fraud department had claimed that the purchases show delivered to my address and that this was not a scam and had closed the claim. This is not true and XXXX first of all has to send a picture of all packages delivered to the houses. I do not have an XXXX account either for any of these purchases. It is absolutely ridiculous if they were to just look at these transactions it is 100 % red flags and they are easily scam purchases. If you look through all my transactions I have never been to XXXX. As well as the XXXX purchases are clearly fraud they are {$100.00} and over back to back. It is important to know that I have received 2 new cards since then.These transactions were on my 2nd to last card and therefore my accounting number will be different now. I will attach files of all the fraud transactions to this complaint.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : -, XXXX  XXXX XXXX Balance : {$300.00},, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX Balance : -, XXXX  XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : -, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : XXXX Court : XXXX XXXX XXXX GA XXXX, Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX GA XXXX XXXX, Bankruptcy XXXX  XXXXdischargedFiled on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX account number XXXX, Account Name XXXX  account number XXXX, Account Name XXXX account number XXXX, Account Name XXXX XXXX account number XXXX. Account Name XXXX XXXX  account number XXXX Account Name XXXX XXXX XXXX account number XXXX Account Name XXXX XXXX account number XXXX Account Name Collecton account number 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 conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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