BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XXXX_XXXX-XXXX I made an attempt to Register and Create an online account with my American Express credit Card. the system asked for my mother 's date of birth. Needless to say I do not know it because we are trained not to carry or use someone else 's " Person Identifiable Information '' ( PII ). I contacted American express on XXXX-XXXX-XXXX by Express Mail with a copy of my certificate of completion on " Security of Personal Identifiable Information '' ( PII ) and asked if I can have that portion changed ( Security ), because I do not know my mother 's birthdate. also, I asked that I be contacted in writing and not by telephone, ( I had telephone technique training ). I was still contacted by telephone. A XXXX or XXXX XXXX XXXX asked to give her a call from voice mail message, XXXX extension XXXX. I called her and she stated that all I have to do is give the month and day of her birth and I told her it is still my mother Identifiable Information regardless, because month and day ID her and not me. XXXX or XXXX XXXX was very adamant that this will not be PII violation. My complaint? To make you all aware that we will never get credit card fraud under control and Cyber Security corrected until these people in corporate places learn to cooperate with government and revise their settings and profiles. I quit looking for Justice with these complaints ; there are no resolve to my personal issues. I WILL NOT REGISTER MY CREDIT CARD ONLINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to send me to collection for an insurance policy, that I cancelled my insurance agent cancelled. When my insurance agent called in they said that their computers had malfunctioned and that's why, I had initially received the collection letter. I thought this matter was taken care of. Apparently, it still is not. If XXXX XXXX continues to pursue this i will file a counter suit, alleging FDPCA violations. This is your last warning.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} Equifax XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, 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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
date XX/XX/2021 i went and made a deposit of {$2000.00} from the outside ATM at citibank in XXXX, NY XXXX. I contacted customer service when it happened. the atm only gave back my atm card with no cash or receipt. I filed a complaint and they credited my account then took the funds back after XXXX months. i feel violated that they stole my money and want that bank investigated. I will contact a lawyer to further proceed my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently was informed that my employer provides payroll data to Equifax ( XXXX. The Work Number ) for the purpose of employment verification. I checked the most recent credit report I have from Equifax and did not see any such data in the report. I called Equifax and spoke to a supervisor in their dispute department who stated that the only information they have about me is what is in my credit report, and therefore the credit report comprised the entirety of the information in my file. I believe that they do have employment data about me, that said information is included in the definition of " file '' under the XXXX and that the credit report request process is their only public mechanism for requesting a copy of my " file '' under the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things

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 2021-06-13
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Bulk Purchase Finance - General Processors XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

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 non-monetary relief
Consumer complaint received 2017-07-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Chase asking me to verify information for an XXXX credit card for which they say I had applied. This letter was sent to an old address of mine ( and I received it via mail forwarding which will soon expire ). My credit reports show a hard inquiry from Chase Bank on XXXX XXXX, 2017. I did not authorize this, nor did I apply for any credit card. I called Chase and told them I had not applied for card and wanted it closed, and want the hard inquiry removed from my credit reports. I further wanted them to tell me by what means had the credit card application been submitted -- whether by mail, phone, or internet? And I wanted any other information about the application they could provide me. They had no interest in helping me with any of this information, and instead tried to sell me identity protection. They insinuated I must have " accidentally '' applied for the card. I know of 2 other people who recently had the identical XXXX/Chase credit cards attempted to be opened in their names as well. There seems to be a clear pattern here, of fraudulent activity specifically with Chase/XXXX credit cards. I have no other inquiries on my credit reports, and neither do the other 2 people who have experienced this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
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: Their investigation did not fix an error on your report

Complaint:
Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90.
3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX/XXXX, I received notification from my credit alert company stating that a collection has been added from Bull City Financial in the amount of {$120.00}. I called them immediately with the intent to pay ; but I was confused as to why I received this collection without getting proper notification. I have not received a letter or phone call. They told me it was from date of service XX/XX/XXXX. the said they began collection activities on XXXX/XXXX. I AGAIN explained that I have no knowledge of this account. I explained to them that I have health insurance and I thought the amount was covered. I overly explained that I did not receive notification of this debt. My initial reason to call was pay the debt ; and to have them remove the debt after its been paid. They said that they could not remove the debt from my credit file because of a debt from XXXX. I explained to Bull City Financial XXXX that I can not review or confirm the XXXX debt because its not on my credit file and I have no knowledge of it being listed on my credit report. However, I can confirmed the latest debt of {$120.00}. I explained to them I can not verify the debt from XXXX nor can they hold this debt from 11 years ago over my head. They hung up on me ; called XXXX XXXX XXXX billing department to have them walk me through this process ; they asked me to call the collections agency. I called back to Bull City Financial again and they said the same thing ; this time, the representative told me that I had the pay the old balance AND the new balance. I explained to him again ; that I can not verify the old balance. They refused to help me ; so I reached out to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity. Someone has obtained my personal information and created fraudulent accounts. I did not know how my personal information was obtained or who obtained it. I did not give permission for anyone to use my personal information and I did not receive any services or goods from these accounts. I filed an Identity Theft police report and also reported this to the Federal Trade Commission ID Theft Affidavit. I have sent the company notification I am a victim of ID Theft have sent them my ID Theft affidavit, statement and ID Theft police report. Desgn Rec still is knowingly reporting the fraudulent accounts on my credit report after they are aware I am a victim of ID Theft. These are not my accounts, they are a result of ID Theft and I need all attempts of collecting these fraud accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. Please remove and delete the below items from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: MS
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:
The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its accurate.

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 2022-04-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
** Filing this complaint on behalf of XXXX XXXX XXXX who is the account holder and for which I am an authorized signer on the account ** I am filing a consumer complaint against BANK OF AMERICA XXXX, located in XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) For further reference : The claim original number is XXXX and I also submitted a claim of my own, asking for reconsideration of the case- Number XXXX I was debited USD XXXX and USD XXXX respectively on my business account and informed me it was " XXXX XXXX XXXX XXXX " XXXX a customer I sold consulting services to, on the following dates, paid via BofA internal transfer to my company account - XXXX XXXX XXXXXXXX The invoices were XXXX XXXX : XX/XX/2021, Invoice No. XXXX, amount USD XXXX XX/XX/2021, XXXX XXXX. XXXX, amount USD XXXX Both invoice payments were made the same day in the account via BofA internal transfer from the buyer 's account ( his name shows up in the statement ) 10 days later, on XX/XX/2021, two debits show up on my account for the same amounts so I called the bank to get further information. When calling the online fraud investigation hotline ( XXXX ) I was informed that the customer ( XXXX XXXX XXXX XXXX ) had claimed the transactions as fraudulent on XX/XX/2021. 

It is very implausible for such transactions to be fraudulent, since before being authorized, they have to go through Two-Factor authentication with the account holder 's registered cellphone, calling the bank for manual phone authorization to release the transfer, email alerts and/or other things as his username and password being compromised, which sounds very implausible without any cooperation from the claimant/account holder. 

In short, I suspect a chargeback fraud scheme was enacted upon me by the customer/account holder and the bank helped the perpetrator by authorizing an illegitimate chargeback. 

Furthermore, I wasn't provided any kind of details on what factors did they take into account when making the decision to debit my account ( chargeback ) and, most importantly, the debits were never put on temporary hold before making them definite, which did not allow me any time to defend myself/state my case with the Bank. 

Look forward to solving this matter by reinstating the money ( {$6500.00} ) back into my account in the name of XXXX XXXX XXXX, regards

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