BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: BANK OF THE WEST
State: NM
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:
The XXXX XXXX XXXX  is reporting Negative Account - Collections on behalf of original creditor Bank of The West. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 Joint account ( checking ) was Closed per Bank of The West. Financial institution Bank of The West is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution Bank of The West. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.

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 2021-07-19
Company: EQUIFAX, INC.
State: OK
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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
This account was purchased by another lender now its reporting twice on my two of my reports

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 2018-11-28
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: Their investigation did not fix an error on your report

Complaint:
I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2018 Consumer Financial Protection Bureau Hello, I have XXXX XXXX XXXX XXXX credit card. I have been receiving bonus/rewards money for using the card on XXXX and to make other purchases. 

XXXX has taken that money. It was a couple hundred dollars which I was purposely letting build up. I have emailed XXXX three times asking where my money is. XXXX refuses to address this matter, redirecting me to non-existent links. 

When I call I get put on hold until I am disconnected. When I start a chat the person says to hold while they investigate and I am disconnected. When I email I am told it is being working on and they will get back to me - no one has gotten back to me and I have been at this for almost a month now! 

I did not use the rewards money, nor transfer it, nor authorize XXXX to take it. My point is, that money was building up and XXXX took it, all of it! XXXX has been giving me the runaround because they are a huge company and think they are not accountable for stealing! 

I want my rewards money returned to me. I want XXXX to put that money back on their website, at the the checkout point, where it has always been. 

What a disgusting company to think they can just take my money and I'm supposed to lay down and take it because they are XXXX! They are becoming an abusive, customer service nightmare! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a great credit score I tried to keep all my life and now an attorney from Texas shows up on my credit as an added new account from XX/XX/2016 which I had no Idea they can add an account to your credit with out your consent. so each month it shows you didn't pay on a bogus account they added, I had no contact or communication with these people at all ever. they keep hitting my credit every month, this was also on my credit I believe with another collection agency awhile back and also affected my credit score and then it gets sold to the next collection agency. why cant these people do their research first to make sure it was already submitted to my XXXX as a claim in 2016 and they processed it. before they go unto damaging peoples credit with no proof of claim was processed correctly or incorrectly? On Medical debt for all people is mainly error from medical billing people can not process or submit claims correctly so alot of these end up in collection at no fault of ours all has to do how medical billing submits claims. if they would submit the right way we wouldn't have this big problem. medical claims in collection should be reevaluated with medical insurance company first to resolve before, then can take next step if they need to. Sometimes the claim would need to be resubmitted correctly to process and will show paid or completed. Why is it that we have to do the work for everyone in billing dept with XXXX and try to retrieve OLD information on a claim that was submitted along time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 I sent a letter ( attached ) to credit control via USPS certifeid mail, which was received by them revoking consent to be contacted by telephone. Despite sending my revocation of consent to be contacted by telephone Credit Control LLC contacted me on my cell phone on XX/XX/2019 and on XX/XX/2019. This is a violation of the Fair Debt Collections Practices Act and is total harassment. I am requesting that Credit Control have their counsel contact my counsel to resolve the matter.

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 2021-10-15
Company: EQUIFAX, INC.
State: MD
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 account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Account status incorrect

Complaint:
I WAS A VICTIM OF IDENTITY THEFT I HIRED A LAWYER TO HELP WITH MY SITUATION. IT WAS SUCCESFUL THE NAME OF THE COMPANY IS AMERICAN EXPRESS A FEW YEARS LATERS I WAS CONTACTED BY AMERICAN EXPRESS AS I OWED MONEY THEY TOLD ME NO I DIDNT THEY REQUESTED INFORMATION TO VERIFY THIS WAS SENT I WAS NOTIFIED I STILL OWED MONIES TO ONE CARD ( ONE ) THIS IS IMPORTANT TO REMEMBER. 

MY CREDIT REPORT WAS HIT. I WAS THEN OFFERED A DEAL TO PAY THEM OVER XXXX US DOLLARS TO CLEAR MY NAME TO GET A CARD ... .I PAID ONLY TO RECOVER MY CREDIT. 

AFTER A FEW MONTHS TO PAY THEM THEY SAID THANKS AND THEN THEY SENT ME A NEW LETTER TELLING ME I OWE FOR THE OTHER CARDS THAT WAS REMOVED BY THEM IN SUPPORT OF EVIDENCE OF A POLICE REPORT AND VERIFICATION FROM THE XXXX COUNTY DA OFFICE THE PERSON DOING THIS WAS ARRESTED HE NOW SITS IN JAIL. 

NOW THEY RE HIT MY CREDIT REPORT WITH TWO NEW HITS OF THE OLD ACCOUNTS AND TOLD ME I OWE THEM YEARS LATER FOR NO OTHER REASON THAN I OWED IT ORIGINALLY AND I HAVE TO PAY. MY LAWYER WHO IS ASKING TO GO THIS ROUTE BEFORE CLASS ACTION SUIT FILED PLEASE CAN YOU HELP ME WITH THIS? 

THANK YOU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Bread Financial Holdings, Inc.
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a charge was on my Step Father 's mortgage statement for {$120.00} with the description " Fee Billed ''. We have called Mid America Mortgage and emailed them trying to get details on this fee with no success. Mid America Mortgage refers us to a different 800 number and when I call I am told to email .I sent an email three times now and called again today at XXXX and spoke with XXXX ID XXXX XXXX that no one is responding to the email inquiries and she informed my step father there is nothing she can do but escalate the issue. 

I have attached a copy of the latest mortgage statement for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY COMPLAINT MADE ON XX/XX/2020 THROUGH THE CFPB PORTAL, AND I HAVE REALIZED THAT THIS COMPLAINT WAS NOT WELL READ BY EXPERIAN, BECAUSE IN THAT COMPLAINT, IT SAYS THAT I AM REQUESTING THAT ACCOUNT BE VERIFIED, THAT ALL THE INFORMATION IN THIS ACCOUNT IS SUPPLIED TO ME : XXXX / XXXX  # XXXX, THEY HAVE ONLY READ THE LETTER I SENT, WHERE THE DISCOVERY ACCOUNT WAS, BUT THOSE FROM XXXX / XXXX CONTINUES IN MY CREDIT WITH YOU. AND THIS IS THE ACCOUNT THAT I REQUEST THE TRUTH, ACCORDING TO THE LAWS OF JUST CREDIT, BUT WHERE DO THE RESULTS OF THIS PARTICULAR COMPLAINT COME IN? BECAUSE THIS ACCOUNT IS STILL REPORTED ON MY CREDIT, I GO TO THE CONSUMER FINANCIAL PROTECTION BURO, SO YOU CAN GIVE ME A COPY OF THE EVIDENCE THAT THEY SAY THEY HAVE TO DENY MY DISPUTE? I REQUEST THAT YOU SEND ME ANY DOCUMENT THAT ACCREDITES THAT BELONGS TO ME. I AM IN ALL MY RIGHTS TO REQUEST THIS EVIDENCE ACCORDING TO Practices Act, Section 1692g. 
1 ) THE ORIGINAL APPLICATION OR CONTRACT 2 ) ANY AND ALL STATEMENT ALLEGEDLY RELATED TO THIS DEBET. 

3 ) ANY AND ALL CANCELED CHECKS IN THIS COMPLAINT I AM SENDING A COPY OF THE LETTER THAT I HAVE SENT 60 DYAS AGO AND I HAVE NOT RECEIVED A REPLY, YOU AN EXPERT ABOUT MY REQUEST FOR VERIFICATION OF THIS ACCOUNT AND WHERE I REQUEST THE PROOFS THAT THEY SAY THEY HAVE. PLEASE READ MY COMPLAINT WELL I REQUEST THE PROOFS YOU HAVE, ANY COPY OF ANY DOCUMENT UNDER THIS 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 2020-09-23
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: Information belongs to someone else

Complaint:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this 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 2021-11-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am appalled and disgusted by the belligerent customer sevice and bias discrimination I received. I have been a Chase customer for over 7 years and never until today have I experienced social economic discrimination that defies human decency and shatters all critical race theory progression. I walked into Chase Bank located at XXXX XXXX XXXX XXXX XXXX. I encountered Vice President Branch manager XXXX XXXX who talked to me as though I was a remedial when I have ascertained over 4 advanced degrees. Chase is in violation 12 CFR 204.2. I walked in Chase bank a consumer and walked out overstanding equal opportunity or customer service is an illusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: MI
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:
In response to letter dated XXXX XXXX ( XXXX XXXX XXXX XXXX Account ending in XXXX XXXX Reference Number : XXXX ), My XXXX XXXX limit was lowered from XXXX to XXXX.I was never sent a letter telling me my XXXX account was lowered.I found out my XXXX credit was lowered when i used it at the the XXXX auto XXXX for XXXX XXXX.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my XXXX was converted to XXXX XXXX with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called XXXX XXXX and spoke to customer service and spoke to " XXXX '' CSR , and i stated to her to produce all letters to me for XXXX XXXX XXXX XXXX, XXXX lowering credit limit, etc., that was sent to me and XXXX stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: CT
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 REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use the atm machine locate at XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. 

I made a cash deposit of XXXX. The machine show me a error message while my money was already deposit in machine. While processing it told show me a message money received or deposit. 
These I press print reciept. The machine printed out a blank receipt I called the bank and filed a claim they told the would credit my account within 1-3 business days This bank has Racial profile me and has not made a credit to my account Im being discriminated against because of gender race, color. 

I also asked for them to look at my bank records showing the history of deposit made. 

I would like to file a lawsuit or I just would like my money that I deposit in the account XXXX XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

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 2020-06-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Barclays Bank called me multiple times over the past month using robocalls from phone number XXXX XXXX XXXX I was disputing the amount in question as fraudulent transactions. 
This bank is ruthless in pursuing consumers

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 2019-05-15
Company: Southwest Credit Systems, L.P.
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:
The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 )  SW CREDIT SYSTEMS L.P ( XXXX )

Company response to consumer: Closed with explanation