BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
Information for ID theft and XXXX XXXX is for XXXX XXXX and XXXX and the whole thing is for Experian I recently filed a complaint attached the Identity theft report to it Experian said CFPB can never do anything to Experian so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate Experian for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' Experian has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXXXXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
This is something that has been going on for about 2 years now maybe three I actually even went to my local mayor as well as the FDIC in complaints to Bank of America and regards to the way that they were treating me and the fact that they were holding money from me over which was over from unemployment they continued to refer me to unemployment after my money from employment had already been transferred to my bank account at Bank of America they refuse to give me a debit card they closed my account out and I could not get my money after dealing with that for about 2 years I finally was able to speak to a representative who was able to help me and fix that now a year later I got a job and I once again now had to have Bank of America because of unemployment the very first time I contacted them they immediately had me go through security verification I had a fraudulent charge on my card within the first month of me having my I'm sorry 4 months after I had actually started my unemployment and that very first charge that I complained about they closed my account out blocked my account and told me that I could not use the funds and then they were no longer going to allow me to be a customer the date that this originally started the most recent one was XX/XX/2023 the amount of my claim was for {$400.00} and now they're refusing to give me any of my money that's on the account which is going to be over {$1500.00} I contacted them they're refusing to speak with me in any way whatsoever I asked to see to a manager several times and every time I start to spoke to manager somebody told me something different but the bottom line at this point is I have no access to my funds once again which is the same problem I had 2 years ago and at that time it was for {$5000.00} which I will submit a separate claim at this time for that amount thank you

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 2023-04-21
Company: LEXISNEXIS
State: MS
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:
Lexis Nexis continues to violate my consumer right with fair accurate reporting. They also listed another persons ssn, account numbers and account information, outdated information, information not belonging to me, information pass the statute of limitations and fraudulent accounts. I spoke with a supervisor on several occasions with no resolve from XX/XX/2022 until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail from JP Morgan Chase Bank on XX/XX/XXXX stating they were closing my checking account that I have had since XXXX. The letter was dated XX/XX/XXXX and states that my account will be closed on XX/XX/XXXX ( 3 weeks approximately ). 

There is no reason why. I called the number listed on the letter XXXX and they do not know the reason either. I went to the branch and they also have no idea why. 

In the past 44 years with Chase I have never had any issues. I don't overdraw, I keep money in the bank. I am the most normal, follow the rules person you could ever meet. And I can not think of ANY reason why Chase is closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2023-05-04
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Hilton Honors American Express Card. Upon submitting the application, it said they needed more time to review. I called XXXX to resolve the matter and check the status of the application. The automated operator said that my application could not be approved at this time. They said one contributing factor was my credit score. This was an adverse reaction that is now affecting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Credit Karma, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
When filing my taxes with XXXX I was given an option to get a cash advance if I opened a XXXX  account with Credit Karma, so I did. My tax refund directly deposited into the account. Credit Karma isnt actually a bank, they use a third party which is XXXX XXXX Credit Karma had deactivated my physical card for fraudulent charges that I never reported or seen on my account back in XXXX. I requested a new card but it never came. Meanwhile I had a digital card I could use using XXXX XXXX. Then i had requested another physical card and again it never came. I started seeing chargers that were not mine on the account so I contact Credit Karma to dispute the transactions. They then deactivated my digital card and will not issue me a new one. Since then anything that the account was linked to has been unlinked, not by me nor my permission. I have the account and routing numbers but unable to link them to anything. I contacted the bank XXXX Credit Karma using and they dont see any locks or holds on the account to prevent linking it. However I cant link it to anything and I cant access my funds. I have requested for a third time a physical debit card on XX/XX/XXXX and according to the information Credit Karma shows me the card has yet to even be mailed. They will not issue another digital card so I have no access to my funds. Their customer service rep XXXX denied me talking to a supervisor or anyone above him after I asked numerous times. He denied me any contact information to XXXX XXXX so I could contact them. I did however get their information and they said they are unable to help and to contact Credit Karma for support. I have had my tv services cut off because my account couldnt be billed. The worst part is my telehealth provider ( online doctor ) could not bill my account so I lost my appointment and prescription refill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit 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 have a credit card issued by American Express. I subscribed to an online streaming service based on a monthly fee using my American Express card. The service was subject to a Free Trial period. I cancelled the service within the Free Trial period. The merchant cancelled the service but charged me for a full year of the service. So, I don't have access to use the service but was still charged for the full year. I opened a dispute with American Express and provided documentation supporting my dispute. The merchant also provided a response to the dispute. American Express found in favor of the merchant ( XXXX XXXX XXXX ) and sent me a letter containing the merchants response and asked for additional information from me to re-open the dispute. 
The problems : 1. I already included the information they requested when I opened the dispute, but I did provide the information again along with more detail.

2. I read the response from the merchant and it was filled with discrepancies and fraudulent. It is easy to see this if you read through the response in detail.

American Express reset the dispute in their system to status of Unsubmitted and it would have been deleted from their system in XXXX hours had I not caught. I contacted American Express by phone and asked them to explain why they reset the dispute and they could not give me a reason. I then asked if they received my documentation and they said yes. So I asked to discuss some specifics of the documentation and they could not. It then became obvious to me that the lost and never read the documentation I provided and I dont believe they read the response from the merchant either. If they had, they would have seen the same fraudulent discrepancies that I did. The merchant is based in a foreign country and has numerous complaints on the BBB for doing what they did to me. 

I do not believe that American Express is fulfilling their fiduciary responsibility to protect their customers against fraud and theft. At least not in my case. I will attach more information to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Navient Solutions, LLC.
State: MS
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 was going into forbearance in 2014 when my XXXX account was sold to Navient. Navient busted my account into 8 different accounts. While Navient was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it.

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8. Yes, for each individual loan under the one Navient account, Navient reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and Navient. Result was Navient told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to Navient. Not my fault!!! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to formally file a complaint regarding the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistent presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies and have since made several diligent attempts to have them corrected through your organization. Regrettably, my efforts have not yielded any meaningful resolution. 

I initially submitted a dispute request to have these fraudulent items removed on [ Date ], providing all the necessary documentation and evidence to support their inaccuracy. To my disappointment, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to remove the following inaccurate items : 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
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: SC
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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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