BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2020-07-20
Company: AES/PHEAA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CL Holdings LLC
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:
I have ask the for itemization of record from these creditors XXXX XXXX XXXX Jefferson Capital and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Did not receive Bonus offer of {$150.00} after completing requirements. In XX/XX/2018 I opened up a Bank of America account online. On the main page it said if you open an account you will receive a bonus offer of {$150.00} after 90 days if you have two or more qualifying directs deposits of {$250.00} or more. Moving forward, I opened the account online, received my debit card in the mail and met the requirements. After 90 days, I contacted a rep in XX/XX/2018 on a Tuesday and was advised that I would receive it directed into my account within 3 days that Friday. I never got it so I called back the following week and another rep told me it was in the final stages of review and that it would be in my account during the next billing cycle which was XX/XX/XXXX. Once that date passed, I never received it and contacted someone on XX/XX/XXXX. They reached out to there promo dept. and was told I did not qualify because it was a targeted offer which it wasn't. It was displayed on the website for everyone to see who chose to open an account. I met all the requirements and had more than 2 qualifying direct deposits. The woman searched for the offer and couldn't find it which i don't know how because it was on the website. She then placed me on hold for another 20 minutes and said she finally reached out to someone else and explained that I qualified and now I was told I would receive a check in the mail in 30 days. I never received it so i contacted BOA yesterday sat on hold for an hour and was told the previous woman that I spoke to was never guaranteed that I was going to get a check and now this rep told me since I didn't click on a " open now link '' I will not receive the bonus. This is such false advertising. There was never a link to click on. I was told different things by different reps. This is the whole reason i opened my account and since I met the requirements, I want the bonus.

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 2020-09-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXXXXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Navient Solutions, LLC.
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:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES NAVIENT This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable. 

Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX  Reporting Standard. well as this account removed. 

15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I attempted to lift a freeze on my credit. During a phone conversation with an Experian rep., she stated, " Your email does not allow me to ask you questions to verify your identity. '' What is that all about? Why NOT? 

Then she stated, " You lifted a freeze on your account from XX/XX/XXXX to XX/XX/XXXX. I was astonished ... I DID NOT LIFT A FREEZE ON MY ACCOUNT WITH EXPERIAN!!! This company permitted the lifting of a freeze without my consent. And NOW ... I am unable to access MY OWN ACCOUNT! 

I demand that Experian call me immediately. They are preventing me from refinancing my home. 

In addition, I attempted to set up a free member account on line. I received an email to complete setting up the account and that DOES NOT WORK. I have made multiple calls to multiple Experian numbers with no success. See the SIX phone numbers I have called to get some help without success. See the hours of operation listed that are a lie. No one answers. This company is a joke.

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 2023-03-05
Company: Ability Recovery Services, LLC
State: CO
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 was mailed a pre-collection notice from XXXX XXXX of XXXX for {$1200.00} for services on XX/XX/XXXX. The letter is not in my name, and I have not visited XXXX or taken an ambulance ride. I called the company, and they verified it was not me. 

I have since received additional letters from other collections agencies for this same charge. The last letter was from Ability Recovery Services dated XX/XX/XXXX. Ability Recovery Services stated that I owed this debt to XXXX XXXX XXXX XXXX who purchased the debt from XXXX XXXX XXXX. I did not respond and this week, I have a collection account on my XXXX credit report for this fraudulent charge. This is a fraudulent charge because this is not my name and I never received this service and I have never spent time in XXXX, Arizona. 

I am putting a freeze on my SSN and filing a fraud alert with my bank and the credit agencies. I am working with a XXXX XXXX to ensure my identity is not compromised further.

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 2018-08-24
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2012, my adult son became ill and hospitalized for several days. He did not have any income and several months later I found his medical bills on my credit report! I had California 's Medi-cal program for my minor son, but not for my elder son who was XXXXyrs. old at the time. I contacted them and they told me his medical bills were attached to my credit because he had no income! These collection accounts have devastated my credit scores! I contacted the collection company asking them to remove them but to no avail! These accounts are on my credit profile to this day, and they " update '' the date of collection every month as though they are new collection accounts! I am unable to refinance my mortgage now because of these bogus charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Incorrect Credit Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXDEpt of Ed

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 2023-02-22
Company: EQUIFAX, INC.
State: MS
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 rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
TODAY IS MY 3RD TIME WRITING THE CREDIT BUREAUS ABOUT ITEMS THAT ARE REPORTING ON MY CREDIT THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I was selling an item on XXXX, one buyer was interested and ask if I could do XXXX I said yea then he asked for my email then I received this email saying that this buyer has sent you {$450.00} for the item, it seems legit so I accepted the offer then 2 hrs later I was told I was not a business account I needed to increase my limit by sending {$300.00} to a provided Cashapp so I did then they said I am officially a business account. An hour later they emailed me saying that there is a certification fee of {$500.00} to start using the business account I was skeptical about it but they were professional and said I would be receiving {$1300.00} once XXXX to a provided email then next day they said my fund would arrived at XXXX. Noon came they told me they have many clients and my fund would be ready at XXXX. XXXX came they told me that the buyer did a double payment of {$800.00} and I need to send it back so I could get {$2900.00} thats when I draw the line I refused and they claimed I am fraudulent and said they would report me. I would like to get all my money back as soon as possible please I tried calling my bank chase but they refused to help me. 
The company that emailed is XXXX, the buyer number is XXXX which is disable I have the email saved if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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'm unclear but it appears that someone tried to open 2 or 3 Bank of America cards in my name.

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 2023-02-21
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXX BANKRUPTCY XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover Card is waiting on an irs report, which is fine. However, they have locked me out of my account online from payment or seeing statements. I dont need to use the card just pay the bill. They have no allowed that to happen. They didnt when they locked me out put me on a paper bill. I stopped AutoPay because I cant see whats going on! I dont care about using the card just paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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 information incorrect

Complaint:
This account is paid and needs to be 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 explanation
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/XXXX I was supposed to be staying in an XXXX XXXX in XXXX XXXX for 7 days. We didn't arrive until the morning of XX/XX/XXXX, and noticed a lot of things that were wrong with the listing we purchased for the 7 days we would be there. Unfortunately, there was a lot of false advertising with this space and we decided to inform the renter and the customer service on the XXXX XXXX  app. After days trying to reach someone in the customer service department of the app we were left having to find somewhere else to stay. 

I initially requested a refund via the renter and filed the claim with the company. They chose to deny my claim with no just or lawful reason as to why. I requested the proof provided to deny my claim in writing and have not received anything from my request. This matter has put my personal checking account in default and negative by {$650.00}. I am requesting that this amount be readjusted and returned to my account as is violates my consumer protection rights.

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 2020-12-01
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXXXX/XX/XXXXXXXX XXXX {$300.00} Charge off accounts 2 ) XX/XX/XXXX{$300.00} charge off account 3 ) FED LOAN SERV {$33000.00} late payment account 4 ) XX/XX/XXXXXXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX {$910.00} collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX, XXXX, & EXPERIAN Continues To Allow Fraudulent Inquiries On My Credit Profile After I Placed Security Freeze XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX - XX/XX/XXXX  2 : XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX - XX/XX/XXXX XXXX  4 : XXXX XXXX XXXX - XXXX XXXX 5 : XXXX  XXXX XXXX - XX/XX/XXXX  6 : XXXX XXXX XXXX - XXXX XXXX 7 : XXXX  XXXX - XXXX XXXXXXXX  8 : XXXX - XX/XX/ 9 : XXXX XXXX - XXXX XXXX 10 : XXXX XXXX - XXXX XXXX 11 : XXXX - XXXX XXXX 12 : XXXX XXXX XXXX XXXX XXXX XXXX 13 : XXXX - XXXX XXXX 14 : XXXX XXXX XXXX XXXX XXXX XXXX 15 : XXXX XXXX - XXXX XXXX  16 : XXXX XXXX - XXXX XXXX 17 : XXXX XXXX - XXXX XXXX ___________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX XXXX - XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX  XXXX XXXX XXXX 7 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 8 : XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX XXXX 10 : XXXX XXXX XXXX  XXXX XXXX XXXX ____________________________________________________ EXPERIAN ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 XXXX XXXX XXXX XXXX - XX/XX/ 2 : XXXX XXXX XXXX XXXX XXXX XX/XX/ 3 : XXXX XXXX XXXX - XX/XX/XXXX  4 : XXXX XXXX XXXX - XX/XX/XXXX  5 : XXXX XXXX - XX/XX/

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