BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Man-Data Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was wrongfully terminated on XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) due to a third-party debt collector by the name of Pacific Coast Credit that sent a Writ of Garnishment. The company is wrongfully trying to collect a debt that is past the statute of limitations using rather moot legal documentation showing stamped dates crossed out and hand written dates entered. 

Since my wrongful Termination on XX/XX/2023, Pacific Coast Credit has been in contact with not only my recent ex-employer but has also contacted potential future employers where I have merely conducted trial interviews. Pacific Coast Credits attempts to collect debt while Im unemployed is wrong. They are contacting potential job opportunities before I even get a chance to get hired. This is a direct threat in my efforts to find a job. Unfortunately, because of this I have been unable to sustain or find gainful employment due to Pacific Coast Credits hasty & unfair collection practices. 

I am unemployed and I'm working through the process to try and collect unemployment and look for suitable work so that my family and I can keep our home we purchased two years ago from going into foreclosure. 

I have asked them to cease and desist all calls and contact with me or with anyone affiliated with me immediately by way of a certified and letter and email. 

Regards, XXXX XXXX ( XXXX ) XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our hardship began when the settlement company failed to pay for our hazard insurance when we purchased our home in XX/XX/2019, along with a miscalculation of our escrow payments. We were not aware of the settlement companys failure to pay the hazard insurance premium until our monthly mortgage payment went up by about {$400.00} in XX/XX/2019. 

We were making the monthly payments of {$870.00} until XX/XX/2019 when our payment went up due to force placed hazard insurance being added. The annual premium for the force placed insurance costs {$2800.00} ; whereas the hazard insurance we secured costs {$390.00}. We have provided proof that our chosen insurance should have been in place. We have since discovered that the original escrow amount was calculated incorrectly, as well. Now, instead of a monthly payment that was affordable we are faced with a corrected payment that will about {$250.00} more each month which will make it a very real challenge to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Experian and XXXX both refuse to correct erroneous information on my credit report. 

My account was paid in full and closed XX/XX/XXXX. 

They are reporting ai had a late payment XX/XX/XXXX. I did not even have an open account

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 2021-11-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
please provide all gift card numbers provided for Barclays XXXX rewards card XXXX gift card : XXXX case rewards XX/XX/24 Not valid Barclays?? 

XXXX XXXX XXXX NEW : XXXX Does not have pin or can check balance Gift Card XXXX PIN : XXXX Gift Card XXXX PIN : XXXX Not valid I have several and have not been provided with ALL* gift cards issued. I should have around 10 and this is what I have in communication with 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
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The FCRA, as you are aware, is designed to protect the rights and privacy of consumers like myself. One of the fundamental provisions, outlined in 15 USC 1681 Section 602, guarantees my right to privacy. In accordance with this provision, I firmly believe that my financial information should be treated with the utmost confidentiality and accuracy.

Moreover, I draw your attention to 15 USC 1681 Section 604 ( a ) ( 2 ), which emphasizes that a consumer reporting agency can not furnish information related to any account without obtaining my written instructions. It is imperative that the accuracy and integrity of the information shared with creditors and lenders are maintained at all times, aligning with the principles of this provision.

Additionally, I would like to highlight the significance of 15 USC 1666b, which underscores that a creditor is not authorized to classify a payment on a credit card account, governed by an open end consumer credit plan, as late for any purpose without proper cause. This provision seeks to ensure fairness and transparency in the treatment of credit card payments, a vital aspect of maintaining an accurate credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been place I demand these inquiries be removed from my credit report. 


According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2023-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It's been almost 4 months now when I deposited a {$1500.00} third party check by chase into my own chase checking account that night ... .I waited a few days for my check to be cleared and then when it finally cleared .They decide to put a restricted hold on my account claiming fraud suspicioun. So now after I have visited more than a few chase branches and showed proof of identity from myself and third party... They still decided to not issue my money because they keep saying we need phone verification ... .So I've been calling every week for the last 3 and a half months trying to get verified and they can not verify the number but we still haven't got anywhere to this day because we can not get verification for a check that never was fraud and they know it but they won't accept physical identification for some reason which is skeptical to me... I just want the money that belongs to me in my own account ... .PLEASE HELP ME!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MD
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:
This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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 have filed many disputes over the course of two years with XXXX, M & M Credit, and XXXX XXXX solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, M & M Credit, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, M & M Credit, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, M & M Credit, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, M & M Credit, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, M & M Credit, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
State: AL
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 HAVE BEEN GOING BACK AND FORTH WITH EQUIFAX SINCE LAST YEAR ABOUT THIS XXXX XXXX ACCOUNT. I HAVE SUBMITTED PROOF TO THEM SEVERAL TIMES THAT THIS ACCOUNT IS NOT MINE. I HAVE CONTACTED XXXX XXXX GLOBAL FRAUD TEAM WHO HAS TOLD ME ORE THAN ONCE THAT THE PHONE WAS BEING USED MOLES AWAY FROM MY ADDRESS. YET EQUIFAX CONTINUES TO ADD THIS ACCOUNT TO MY CREDIT REPORT. THIS IS THE SAME COMPANY THAT ALLOWED MY INFORMATION TO BE BREACHED AND KEPT IT AWAY FROM ME AND MILLIONS OF OTHERS CONSUMERS. THE CONTINUE TO ALLOW FALSE INFORMATION TO BE ADDED TO OUR CREDIT REPORTS. THIS BUREAU NEEDS TO BE MONITORED ON A DAILY BASIS BY HIGHER AUTHORTIES BECAUSE THEY ARE CONTINUING TO HURT CONSUMERS BY ALLOWING FALSE INFORMATION TO BE ADED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear CFPB- I believe American Express is involved in an alleged World-Wide Consumer Fraud ... 

I have been a card member of American Express Optima Platinum since XXXX and have a perfect credit score. On XX/XX/XXXX I was late by ONE DAY and charged {$27.00}. While I am not disputing the late fee, I am disputing the interest rate on future charges ( purchase ). All charges ( purchases ) after XX/XX/XXXX were billed at 29.99 %. Under the American Express Terms & Conditions, no reference is made for this increase on future charges ( purchases ), as indicated below : " Late Fees on Credit Cards and Charge Cards : If you do not pay your minimum payment by the due date, you will be charged a late payment fee of {$27.00}. If you make another late payment in the following six billing periods, your late payment fee will be {$38.00}. Your late fee will not exceed your minimum payment due. For example, if the minimum payment due on your statement is {$20.00}, your late payment fee will not be more than {$20.00}. You may also have to pay interest on any funds which remain unpaid from the previous billing period and your interest rate may increase. '' Furthermore, American Express claims that all payments are first credited to the higher interest charges. This is a false statement and represents Fraud! 

From " XX/XX/XXXX to Present '' I had {$5700.00} charges ( purchases ) and made {$9800.00} in payments. Yet, American Express continued to charge me the 29.99 % on these charges ( purchase ) even though my payments exceeded the charges ( purchases ) ...

This is an unfair, deceptive and misleading business practice that need to be investigated! 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, I was given a XXXX dollar loan from green line loans owned by WAAwaatesi llc company ... This company charged XXXX every two weeks for a apr of XXXX percent a year..This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which WAAwaatesi llc is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Purchased XXXX  cryptocurrency for a list price of {$0.00}, spent {$2300.00} USD. This price was listed higher than other exchanges but since its what many of us have access to. Paying higher was acceptable as the price would grow and wed sell for higher. However Coinbase pulled the rug out and later decided to manually adjust their price to match other exchanges so those of us who paid more on their platform were now selling for less. The price was now {$0.00}! This was NOT standard market movement, it was manipulation by CB. This was illegal, immoral and absolutely recirculate. In seconds my balance dropped from {$2300.00} to under {$300.00}! 

again we all know stocks and coins move, price fluctuates etc. this is NOT marked fluctuation - see the picture its straight manipulation and they have a lot of unhappy customers right now. I either want my {$2000.00} difference imbalance back or an adjustment to my amount of XXXX so I can sell it and retain my total of {$2300.00}. Im not selling in the meantime as I would only get {$280.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
last month when i applied for a mortgage at XXXX XXXXXXXX XXXX i was made aware that i owe XXXX XXXX  XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
An unknown individual place an application with chase credit. I reached out to chase bank, and they said I should receive a letter stating that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-20
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation