BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear CFPB, XXXX reporting that someone have opened a Bank of America Cards on my name, last year ( XX/XX/2022 ) and have spent more than {$16000.00}. I came to know when I started getting few mails and calls, and when I checked on XXXX Credit Bureau. I also found 2 Fradulent Address as below, showing up on my XXXX XXXX XXXX reports, where I have never stayed or know. I have called Bank of America and they said they will close this account. 

The 2 Fradulent account showing up on my reports are : Address # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and Address # XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I kindly request the Bureau to do the needful, so I am not liable for this charges and my Credit History and Score stays clean. 

I can't thanks enough for your help. 
Sincerely.

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 2023-03-23
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-23
Company: WELLS FARGO & COMPANY
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I discovered I got a total 6 fraud charges and the amount was {$850.00} on my Wells Fargo Propel American Express credit card ending # XXXX on XXXX. I called the bank/ credit card company immediately to report the fraud situation. I looked up for all of those charges happened in XXXX. It seemed like the thief who stole my credit card information went to nice restaurants and stores in XXXX to spend my money which never benefited me. I never authorized the card to anyone. I never been in XXXX before. I live in the United States, Minnesota. 

The credit card company/ bank closed my old card and issued me the new one. They said they would investigated the situation and let me know. I was anxious and called the bank back several times those few days. The agents reassured me I would get my money back. I asked if I needed to go to the police station to get a police report and they said no need to. 

About a week, the bank took off those fraud charges. But after I received a new card, the bank put all of those fraud charges back into the new account. I also received a letter from the bank writing me they denied my fraud claim. In the letter they said they found that no fraud occurred, or that the transactions were authorized. 

I'm reaching out to CFPB to get justice and wants the bank to refund money back.

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 2023-03-23
Company: Experian Information Solutions 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:
Im not please because the credit bureaus keep on fail me they never do a proper investigation and only can send you back respond that is verify with no proof and that the information reporting is accurate with no proof I told them Im not the one who sign for the loan that been reporting and I never sign any documents with my written signature upstart verify the account belongs to me because its have my information there is a alot of people have my information so they need to do proper investigation before they give a loan to someone because I did not authorize upstart to give me a loan I never sign any documentation they dont have any proof that it was me never send to my address the documents was sign online with my signature with no proof its actually me sign it so both them and the credit bureau violate my rights and privacy and fail me I have rights because its my consumer file and that document did not sign by me thats document sign online they never send any documents to my address to sign and they never verify its me so they fail me I need this problem to fix and remove from my consumer file

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 2023-03-23
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never lived in these apartments I was still in high school during the time. I have contacted trellis park multiple times. This debt was sold against my knowledge This is identity theft

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 2023-03-22
Company: Experian Information Solutions 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:
This account has not been properly verified for inaccuracies. Account Name : XXXX  XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.

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 2023-03-22
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CCS COLLECTIONS Address- XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone - XXXX ) XXXX My complaint is CCS has wrongly reported to the credit bureau that I have a collection with them in which I never received any letter or call or VM stating I had a debt I never had a chance to dispute the debt to see if it was validated. In XXXX I was forced to relocate due to significant damage to home due to hurricane IAN I was forced to be in a hotel up until XX/XX/XXXXXXXX  I have told them and sent them documents showing I was in temporary housing and that I never received anything in regards to this debt they refuse to remove it off my credit report they have not sent me any validity that this is my debt I wish for this to be removed and for them to ACTUALLY contact consumers instead of just reporting to the credit Bureau also the date that it was opened according to my credit report states on XXXX Date of First Delinquency XX/XX/XXXXXXXX  but states on XXXX  Date opened XX/XX/XXXXXXXX  so if this is mine which date is it and how do I even know its mine CCS is reporting inaccurate information and I would like for this to be removed off my credit report and for CFPB punish them for this I was just notified of this on my credit report XX/XX/XXXXXXXX  and thats the only way I found out about this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase is failing to protect me against a merchant who isn't refunding me for a refundable purchase I made, in direct conflict with the merchant 's Terms & Conditions that I agreed to at time of purchase. 

After the merchant refused to refund me, I disputed the charge with Chase ( XXXX XX/XX/2022 ). The dispute was closed by Chase ( XXXX XXXX ), and they provided the documentation sent by the merchant, which was an excerpt from their XXXX & XXXX. However the terms state unambiguously that in my situation I should be entitled to a refund by the merchant. Chase did not contact me for any supporting documentation during the initial dispute. 

Since then I re-disputed several times ( XXXX XXXX, XXXX XXXX ) providing clear documentation of the merchant 's refund policy, such as a highlighted excerpts from the merchant 's XXXX XXXX XXXX. 

Chase has closed all disputes stating that they determined the charges were valid and without, as far as I can tell, understanding the merits of my case against the merchant. 

Chase has provided no specific information about why they think the charge is valid, or why they do not believe the merchant should have refunded me. 

I am attaching : 1. My most recent dispute letter, which includes details on the original transaction and the documentation I provided to Chase. This also includes the dispute claim identifier Chase would need to look up my case. 

2. Chase 's response resolving the dispute in the merchant 's favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: National Credit Adjusters, LLC
State: AZ
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:
National Credit Adjusters did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from XXXX XXXX without my signature again they will not verify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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 2023-03-22
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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 2023-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602. A. States that I have a right to privacy 15 U.S.C 1681 SECTION 604 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 2023-03-22
Company: 2233 Paradise Road LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company called XXXX has called myself, my mother and my sister. They are saying that they represent cash factory USA, and they are threatening to sue me in XXXX XXXX court in Wisconsin. 

They offer no proof that I owe this amount. 

Representatives at cash factory tell me that they sold my debt. 

Their number comes up on XXXX as being a potential debt collecting scam. 

They call themselves XXXX and they are using this number. 
XXXX Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
Experian credit bureau shows account opened with XXXX XXXX XXXX on XX/XX/23 which is incorrect and I have no knowledge of this. Ive disputed with Experian and their final results show as accurate. Ive contacted XXXX XXXX directly and provided my personal information to them but they have no record of 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
I sent a letter off on XX/XX/2023, to remove personal information that I don't want on my credit report. Here are my tracking numbers : # XXXX # XXXX. 

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 6802 no financial institution is supposed to share my information to 3rd parties.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I received an e-mail from experian.com stating my " request '' to block my personal information due to Identity Theft was denied. The e-mail requested that I send in copies of my personal information to verify my Identity. I phoned Experian today at XXXX to request a copy of the " request '' and I informed the Membership Dept, Dispute Dept and Fraud Dept that I Did Not Make the " request '' ( I was transferred to all Depts ). I was told by all three Depts that I was unable to get a copy of this " request '' and that they did not have the request on file. This is very disturbing to me and seems as if someone is being allowed to access my credit profile and report without my permission. I do have a Credit Freeze and Fraud Alert in place.

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 2023-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I dont know the exact time frame but after I purchased the vehicle the dealership said I could refinance after 6 months to get a better price. Well I got denied not once but twice. I barely make the payments monthly. Its XXXX a month. So rn I am on a payment plan for XXXX a week. I just want my payments lowered and affordable And I just read that there is a lawsuit against them

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