BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: TN
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus June 29, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-07-05
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account which I believe has not been honored by the bank. 

In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The promotion stated that I would receive a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. Relying on this promise, I ensured to fulfill the necessary condition and maintained the stipulated amount for the required period. 

When I initiated the process of opening the account in late XXXX, the agent handling my application stated that the promotion was scheduled to end by XXXX end. However, my account opening process was delayed until XXXX due to the bank requesting additional documents, which I had to send via fax. 

Upon contacting the bank in XXXX to inquire about the promised bonus, I was informed that the promotional code had already expired at the time of my application. I believe this is a clear case of misleading communication as the delay in opening the account was due to the bank 's requirements, and the expiration of the promotional offer was never communicated to me during the account opening process. 

Moreover, the bank continues to advertise similar offers on their website, indicating a long-term promotional practice. This makes the 'expiration ' excuse questionable and gives me a strong impression of fraudulent and deceptive business behavior. 

In light of the aforementioned circumstances, I kindly request that the CFPB investigates this matter. I hope to ensure that the promised {$500.00} bonus, which played a significant role in my decision to open an account with US Bank, is credited to my account as initially advertised. 

As a consumer, it is crucial to me that businesses honor their commitments and promotions, especially when these promotions are instrumental in influencing decisions about where and how to conduct financial activities. 

Thank you for taking the time to review this complaint. I trust that the CFPB will do its utmost to protect the rights and interests of consumers like myself.

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 2023-07-31
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, XXXX and Equifax are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-08-10
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.

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 2022-07-15
Company: EQUIFAX, INC.
State: GA
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:
I am sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by Genesis Credit Management by a woman whose name I dont care to remember. She supposedly ran the debt collection section for the company whose apartments I was living in. The first time we spoke she informed me of a past due balance. I informed her that the additional charge of early cancellation should be waived per their rental agreement because I gave them advance notice that I was leaving on military orders. I had turned in a letter with the appropriate verbiage as it was explained to me by office staff. The letter was turned in through the mail slot on the office door. I explained this to the woman who called me, and that I would speak with her after I have talked to military jag. She responded with Their not going to help you, they dont help with these things. I thanked her for her advice and told her I would still be talking to them. 

While at XXXX and XXXX School, I left my personal phone with my uncle, she called again and he answered and told her wrong number, she replied with oh, if this is how you want to do business, watch what I do. I was informed of the conversation and told my uncle to block her. A week later she reported the debt to the credit bureau. 

If this is the attitude of a person who threatens and lashes out at service members and discourages them from taking the proper legal means to protect our rights then she should not be working where she does. Having a bad attitude and then deciding to report on someones credit is egregious and she needs a reality check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2021-07-09
Company: Select Financial Services, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Just spoke with my mortgage servicer to inquire if the forbearance or mortgage assistance request appeal was being reviewed by the investor and my mortgage company. On XX/XX/2021 XXXX, XXXX XXXX stated that loss mitigation confirming the modification and forbearance request was submitted within the 37 days and the documents sat on some one desk and were not processed. given for the underwriters to review it. He stated that now RESPA has 30 days to respond to the complaint. And to check back in 3 days. He also stated customer service has forwarded the complaint I made yesterday to XXXX the supervisor stating I have been given conflicting responses from different Agents with no resolution. Just spoke with XXXX XXXX, asking if mortgage assistance appeal was being reviewed and if the foreclosure sale date was being canceled. He stated his supervisor told him to tell me sale date would not be canceled even though there was and appeal being reviewed. I asked for the name of his supervisor who was providing the information and he said she said she did not have to give her name or ID number. XXXX is unwilling to help homeowners and they give you the run around.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed multiple inquiries from  XXXX  reporting on my credit profile that I did n't authorize. I 'm also aware of Transunion system glitch and possibly resulted in unauthorized reporting of such inquiries.      XXXX  -  XXXX   XXXX ,    2017   XXXX  -  XXXX   XXXX ,  2017   XXXX  -  XXXX   XXXX ,  2017

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 2023-08-10
Company: Experian Information Solutions Inc.
State: MD
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 do not understand what is going on with XXXX. They reported a missed payment for XX/XX/2023 while I have made my payment and I have attached the receipt on here. From their own website ( XXXX ) as of XX/XX/2023 my balance was {$250.00}, I have attached a screenshot on here for review. I then paid {$250.00}, I have also attached the receipt here. Surprisingly, after that payment my balance went from {$250.00} to {$4.00} instead of {$0.00}. Nevertheless, I paid the {$4.00} and my balance shows XXXX ( nothing ). I do not understand why they reported a missed payment for XXXX while I have made my payment. Remove that missed payment. I have paid and I have uploaded the 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 explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB Staff, Incompetence on behalf of Chase JP Morgan 's phone staff has caused our family almost {$150.00} in losses over fraud. 

I just got off the phone with a supervisor supposedly named " XXXX '' text Chase 's claims department. 

Yesterday we had faxed the requested evidence proving fraud on a claim for the amount of {$140.00}. We have been assured our funds would be returned to us once the paperwork has been faxed in. 

However the supervisor today refused to do so and claimed she could no longer reopen the case. 


This was all due to their phone staff initially failing to take down what I said correctly andand code selecting errors when opening our case!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-07-31
Company: EQUIFAX, 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:
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.

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 2023-08-14
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XXXX of 2020 Myself and family where dealing with XXXX  related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: DISCOVER BANK
State: PR
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 contacted Discover to advise me about a purchase made with their card, to the company XXXX XXXX, because I was not satisfied with the merchandise. They told me to contact the supplier to try to resolve the situation. I contacted him and asked him to return the money and send to pick up the merchandise. 
On XX/XX/2018, Discover sent me a text message, related to a transaction I was making with my company card. The same was referring to the remaining payment of the merchandise mentioned above, with which I was not satisfied. I called Discover to avoid them processing the transaction, because I had not authorized it. After explaining the situation of that transaction and having talked with two different people, nothing was resolved and the transaction was not canceled. I put the two transactions on dispute but Discover fails against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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 filed five complaints with XXXX because they are mixing me up with my father. His credit card keeps showing on my credit file and I want to get it removed. We share the same first name but our last names are different and we share the same address. My first complaint filed to them was some time back in XXXX. My following complaints were XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and I believe XX/XX/XXXX I also made a complaint to them over the phone. I try to contact American Express but when I tell them about the situation I get told that there isn't a card registered to my SSN and that I should take it up with a credit bureau. I am confused because if American Express is telling me a card doesn't exist under my identity why does XXXX insist that it does. I do not understand how XXXX thinks the card belongs to me when I have filed so many complaints to them even going as far as to send them a photo of our IDs next to our respected cards to prove that the card does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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