BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Express increased my credit limit automatically from XXXX to XXXX between the month of XX/XX/XXXX and XX/XX/2019. The same was notified to my credit agencies on XX/XX/2019 and my credit limit on my account reflected the same. This had a positive impact on my credit score and i was happy about it because i have some upcoming plans. When i opened my account to make a payment this morning on XX/XX/2019. I found a significant decrease in my credit limit and it now reflects as XXXX. I was in total shock and spoke to my adviser to understand how would this will impact my credit score. I found out that this would potentially have negative impact on my credit score. I have contacted american express customer service team and explained my issue who transferred my call to credit card expert team. I explained my issue and the nature of credit score impact with these drastic changes in my credit limit, they explained that during annual credibility review my account was eligible for credit limit increase and system incremented my limit to XXXX instead of XXXX due to an error for which i haven't got notice till date. I tried to explain him this is going to damage my credit score which i can not afford at this time and i also told him, i wouldn't have concerned if this error was fixed prior to reporting to credit bureau. I had very bad customer experience talking to this person, which is secondary to this topic. At the end i was told they won't be able to help my case and instead they want me to apply for a credit limit increase. I feel american express is not taking ownership of this problem and impacting my credit score at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-07
Company: Westlake Services, LLC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.XXXX updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and Transunion Failed to provide documentation. This account also reports a monthly balance in its charged off status.

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 2023-02-09
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account at Regions Bank has been on hold for about 4 months now, since I opened the account. Ive went into a branch and signed some forms, which was supposed to fix it. But I still have no access to withdraw my money.

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 2017-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
dispute the information in the credit report. 
The letter they sent was to a postal address of a PO Box in Puerto Rico in which I no longer receive postal correspondence because I do not live in Puerto Rico. Currently, I am living in the state of Texas about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in Puerto Rico could not send me to Texas the letter from XXXX, because Puerto Rico for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

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 2019-10-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I disputed two fraudulent accounts opened with my personal information : 1 )  XXXX XXXX - XXXX - {$160.00} 2 ) XXXX - {$360.00} This information was disputed XX/XX/2019 according to my knowledge. This information somehow is still showing up on my credit profile. 


I am also an authorized user on a 5 year old XXXX XXXX credit card. Equifax is not reporting this to my credit, but they should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
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:
My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was a Client Ive been to the west last month. I asked them to close my account because I changed banks and I let them know how disappointed I was in them. Well, they didnt close my account. They left it open for my Social Security check to go in there, when I went to retrieve my money, they had locked me out of the bank and called the police on me. Bank of the west is merging with BMO bank of the west has no knowledge of my remaining balance of {$500.00} I called Social Security I called BMO. Im called every single place to be given the runaround when I went to pick up my money I had {$500.00} in there in my account online I could see the minute I pulled up they close my account. It was {$500.00} left and all that went down the tray.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX Consumer Law 15 U.S.C 1681-A states a consumer report does not include report containing information Solely as to transactions or experiences between the consumer & the person making report. This statement implies that late payments/ charge offs arent allowed to be reported unless access is granted by me. For This reason I request that all 4 delinquent accounts be removed from my report. Furthermore my social security number is XXXX. On my experian account it says XXXX. I demand this be fixed ASAP. Finally, the only number I want on my credit report is XXXX. Everything else is outdated. 
To clearify ; I would like my XXXX XXXX late payments/ charge offs removed from XXXX XXXX until I would like XXXX XXXX XXXXXXXX  late payments removed from XXXX XXXX until I would like my XXXX XXXX XXXX  card late payments removed from XXXX XXXX until I would like my soft inquiries removed from my credit report I would like my social security number fixed I would like XXXX to be my only number reported Sincerely XXXX 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 2023-09-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I responded to a posting on XXXX for some bedroom furniture and a fridge. The prices were within reason and the individual who posted the items ( XXXX ) seemed legitimate. We discussed the items over XXXX 's messaging about 8 times, then switched to coordinating delivery of the furniture/fridge over text messaging and phone calls. I was even provided with the house address of where the furniture supposedly was : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The number the individual was texting me from and called from was : XXXX ( a local number ). 

We agreed I was going to give 50 % payment upfront and 50 % on delivery of the items. We discussed various payment options and they suggested XXXX XXXX to a number : XXXX. I asked if XXXX would work- to which they said I could send it to their son " XXXX '' and gave me the number of XXXX. I made a test transfer of {$10.00}, they said they received it, then I transferred the remaining {$290.00} ( representing half the agreed amount ). They confirmed receipt and said they would deliver the items whenever i was ready. The next day I attempted delivery and found their profile to be deleted, all messaging to be deleted through XXXX, and they were unresponsive to texts or calls. I immediately contacted Chase bank 's fraud department and they said that XXXX is only supposed to be used to transfer funds to and from friends that you know ( even though it CLEARLY states on their website it is for " XXXX XXXX '' to merchants. The Chase representative said they can not recoup the funds because it was authorized by XXXX. 

This goes against the XX/XX/XXXX Consumer Financial Protection Bureau issued guidance stating that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

Chase has refused to refund the transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, 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:
The inquiries listed below were not made by me. They are the result of someone falsely and fraudulently using my social security number to pull my credit without my permission. These items must be deleted immediately. The car dealerships have been calling me and that's how I was informed. 

1 XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 2 XXXX XXXX Inquiry from XX/XX/XXXX 3 XXXX Inquiry from XX/XX/XXXX 4 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 XXXX Inquiry from XX/XX/XXXX 6 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 8 XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 9 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10 XXXX XXXX  Inquiry from XX/XX/XXXX 11 XXXX Inquiry from XX/XX/XXXX 12 XXXX   XXXX Inquiry from XXXX XXXX, XXXX 13 XXXX XXXX Inquiry from XX/XX/XXXX XXXX 14 XXXX   Inquiry from XX/XX/XXXX 15 XXXX Inquiry from XX/XX/XXXX 16 XXXX Inquiry from XX/XX/XXXX 17 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18 XXXX XXXX Inquiry from XX/XX/XXXX 19 XXXXl XXXX Inquiry from XX/XX/XXXX 20 XXXX Inquiry from XX/XX/XXXX 21 XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22 XXXX Inquiry from XX/XX/XXXX 23  XXXX XXXX  Inquiry from XX/XX/XXXX 24 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 25 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 26 XXXX Inquiry from Apr XXXX, XXXX 27 XXXX   Inquiry from XX/XX/XXXX 28 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 29 XXXX XXXX   Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: ACIMA CREDIT, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report. 

XXXX XXXX XXXX {$740.00} ACIMA CREDIT FKA XXXX  {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on credit report. FTC violation. 

XXXX XXXX  XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX   {$250.00} XXXX XXXX XXXX {$430.00}

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 2020-07-11
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have contact cash app on XX/XX/XXXX about {$210.00} bitcoin I been scammed because I have never got my other and the seller will not respond back to my email I have ordered a prepaid gift card and never got it and I have contacted my bank and cash app and they both they tell me they can't help me or dispute the payment I am XXXX because I got scammed out of {$210.00} and can't get a refund I want y'all to refund me my {$210.00} back or dispute the payment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a Bank card in XXXX or XXXX, the year I had to declare bankrupsy. Since I have had four collection agencies for the same account with different dates of original contact. This account has been under 1. XXXX XXXX, 2. XXXX, 3. XXXX and now back to XXXX. XXXX XXXX. They are now saying the first contact was XXXX XXXX and this will stay on my credit report until XXXX. XXXX to XXXX is over 15 years under the four collection companies that have passed the account around. Legally, it should go off my account in XXXX or XXXX, not XXXX. Please investigate Portfolio Recovery, they do this to other people and change the dates of contact. I have disputed this and they will not change it or do the right thing. Why can a collection company pass an account back and forth for years falsely stating the first contact when it is not. It is the date they again passed the account back and forth. This has harmed my credit and standing. I have asked them to remove this account from my credit history. They just keep passing it around and then back to their company. I have been greatly harmed by them and their practices. I had paid one bill in XXXX, yes XXXX and just managed to get it removed two years ago. That was 17 years ago and it was a bill that had been paid in full! 

Please help me with this. This is unfair practices and passing an account back and forth changing dates has harmed me, my standing and is unfair practices. Please have them remove this from my account ASAP. If this does not work, I will contact the XXXX state Attorney General and our Senator. It is wrong to have four collection agencys on one account over the years and to change the date each time making it appear that I have had contact with them each time when I have not. I have never received any type of certification or letter stating the proper documention or that I could dispute this from Portfolio Recovery. They do not care that they are lying or destroying my credit. I am a XXXX senior citizen, and this has caused me undue and harmful stress and worry because of their unfair and harmful practices, and changing the dates every couple of years. Next year a new date will appear and they keep getting away with it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC Bank does not work with XXXX  to link my bank account and use a service such as XXXX. I want to purchase Tires from XXXX and use XXXX to split the almost {$800.00} bill into 4 monthly payments, and take advantage of 0 % interest. I am unable to do so due to PNC Bank and XXXX 's current disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: ENCORE CAPITAL GROUP 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:
I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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