BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
1. Company name : XXXX on XX/XX/XXXX. I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from Transunion about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.

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 2023-08-31
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been an American Express customer for about 30 years. I generally spend $ XXXX a month, as I use it for everything. I previously had an AMEX platinum card but cancelled it a couple of years ago because I couldn't justify the annual fee. I now have a XXXX XXXX XXXX XXXX XXXX and I have 2 family members with the card as well. 

I pay my bill every month and in full. Last month, I was one day late paying my bill ( {$11.00}, XXXX ) and was penalized with a {$29.00} fee and {$460.00} in " penalty interest '' of 29.99 % ''. 

I called Amex on XX/XX/31 at XXXX XXXX, and was told that because I had made similar request in XXXX ( again only a day late ), that the card was not eligible for additional waivers. AND that I should set up automatic payment to avoid future issues, which I do not care to do. I spoke to a supervisor to ask if he was interested in saving my account and he said he could not because of the XXXX waiver. 

I previously worked for a bank and upon occasion dealt with fee issues related to checking accounts, so I understand that this is a way for Amex to increase fee revenue in a rather easy manner. I also dealt with informing customers as to changes in policy and I would say in this case, not getting written information clearly pointing out that if my payment was even " one minute past midnight '' on the due date I would be charged with both a fee and an interest charge. Statement messages are easy to miss. 

Yes I should have paid my balance by the due date, but I view this as an unfair and deceptive practice and will not be using my card much. I will not cancel it yet because I just paid the {$260.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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 have been working with Equifax since XX/XX/XXXX to get my credit score released to my mortgage company so that I can refinance my house. Every time I talk to someone at Equifax, I get a different story. This delay has already caused my rate to increase several times and increasing my out of pocket expenses. Equifax is stating there is no alert or indicator on my file, but the mortgage company is still unable to obtain my score from them as of today, XX/XX/XXXX with an error message of " Not provided by the repository ''. This is not an issue with the mortgage company, as I have had two different ones tell me this same information. Also, they are not having trouble pulling other customers information from Equifax. Please help me get my score from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Trusit Bank Loan Number : XXXX, Borrower : XXXX XXXX XXXX I am the Borrower in the above mentioned Loan, there was an issue related to Escrow fund related to Property Tax which was going on with the Lender since XX/XX/XXXX onwards and subsequently this matter was resolved on XX/XX/XXXX, wide CFPB Complaint number : XXXX dated XX/XX/XXXX. 

Summary of the present Complaint : Lender - Suntrust Bank [ now known as Truist Bank ] reported negative remarks against my Credit Report based on the above issue. I disputed the above negative remarks and the Lender  XXXX  refused to remove the same from my Credit Report. After carefully reviewing the same, I noticed the following irregularities and discrepancies in the Credit Report and the amount reported by the Lender to IRS. The negative remark reported by the Lender is factually wrong, incorrect and misleading based on the following facts : 1. There is no delayed payment of 90 days as reported by the Lender which is clearly evident from the Exhibit A, i.e. Online statement by the Lender for the year XXXX XXXX. Based on the Exhibit A Lender failed to report the Original Interest paid by the Borrower to IRS. Please refer to Exhibit C 1098 provided by the Lender. The Statement shows an amount of {$4900.00}, paid by the borrower as the Interest for the year XXXX. The actual interest paid by the Borrower is {$5600.00} [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cents. 

XXXX. It is a true fact that the Lender paid Property Tax for the year XXXX on XX/XX/XXXX and the borrower repaid the full amount the same day itself. This is clearly evident from the Lenders monthly statement of XX/XX/XXXX. 

XXXX. Under the pretext of the above, unilaterally in a hasty manner, Lender tried to foreclosure the property without the consent, knowledge and permission of the Borrower and various wrong entries were made during this process.

5. The inadvertently committed erroneous entries from the Lenders side were corrected /rectified by the Lender XXXXng the process of resolving the issue in the original Complaint, XXXX XXXXXXXX dated XX/XX/XXXX. Please refer to XXXX XXXX  the online statement from the XXXX side, dated XX/XX/XXXX which is self explanatory. 

In view of the above, there is not even an XXXX  of evidence to prove the delayed payment of 90 days from the Borrowers side. The scanty and sketchy allegations with baseless lengthy explanations can not be used as a cause for reporting negative remarks against the Borrower, whereas the Lenders failure to report the actual interest paid by the borrower is a serious matter. The negative remarks reported by the Lender is totally absurd, excruciating and intending to tarnish the Credibility of the borrower.

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 2019-07-28
Company: Bonneville Billing and Collections
State: UT
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:
Bonneville collection received notice of my written dispute in the 30 day time frame to send the debt back to original creditor as I dont know anything about this debt. I contacted the better business bureau and they confirmed their fax for me. They failed to send back to the original credit and instead illegally reported the debt to all 3 credit bureaus which each is a major violation. I demand immediate removal of this credit reporting to all the credit bureaus immediately. I have filed this complaint with the CFPB as an additional measure for this willful violation of disregarding the law. 


Here is a transcript of the fax sent to them. 

From : " XXXX '' XXXX Date : XX/XX/2019 at XXXX XXXX  MDT To : XXXX XXXX XXXX Subject : Your fax to Bonneville Collections has succeeded Dear XXXX XXXX, Your fax to Bonneville Collections at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time on XX/XX/2019 Your fax included 1 page of coversheet with your text and 1 page of attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX has reported on my credit, that I have a collection account. Jefferson Capital systems. I have disputed this many times. Still it remains on my credit report.Im not aware of this account nor did I ever open this account. Im really frustrated because it's affecting my credit score. It's really damaging my credit history. Ive called the Jefferson ca [ ital systems, they say they are just collecting on behalf of XXXX. Ive never owned a XXXX account or phone. This must be fraudulent. I have explained this to XXXX many times but they say the same thing to wait until results of dispute are available. Once they are they say dispute them. It's very stressful. Id appreciate if you can help me with this problem I'm having and is affecting my life in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: DISCOVER BANK
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 am a victim of identity theft. A discover credit card was open using my name and personal information, at no time did I have or apply for a Discover Credit Card. I Immeaditaly notified the credit reporting agencies and Discover bank when I notice this fraudulent account. Numerous of times I have disputed this fraud account and wrote letters requesting that all documents, such as credit application transactions and activity related to this account be sent to me. I have filed a police report with the XXXX Police Department DC # XXXX and also the federal trade commission. I have taken all steps to correct this fraudulent account and I am still requesting that Discover send me those documents.This fraud account needs to be corrected at no time did I open this account and it is against the law to report fraudulent activity that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
This is the second dispute pertaining to XXXXXXXX they have fraudulently verified late payments, XX/XX/2022 letter sent from XXXX states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month XXXX has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure XXXX owes damages of XXXX dollars per violation. 
These violation were confirmed by XXXX to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Remove fraudulent inquiry 's from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last XX/XX/2019 I had a transaction CANCELLED in the amount of {$240.00} from merchant XXXX  XXXX  XXXX XXXX  XXXX. XXXX my BANK OF AMERICA Credit Card Ending in : XXXX. The Merchant issued me a FULL CREDIT REFUND back to my above- mentioned Account on that same day. 

I had given the copy of this receipt to BANK OF AMERICA for several times by FAX and via CERTIFIED MAIL subsequently as they've asked for it from, CUSTOMER SERVICE and DISPUTE / FRAUD TEAM UNIT. 

Trusting and hope your office can help me get a Valid and Legal Clarification on this matter. I remain, Respectfully your 's, 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 monetary relief
Consumer complaint received 2019-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The USAA Cashback Rewards Plus American Express is a credit card issued by USAA. It says you should get 5 % back on military base purchases. For example, at the XXXX ( military grocery store ). I got this reward until mid XXXX 2019 since I opened the card in XXXX. However, suddenly I stopped getting it and then started to only get 2 %. I had not reached the {$3000.00} limit for rewards yet. 

This is false advertising. I called USAA and they said they have no control over the merchant codes. However, this is unfair. Regardless of the merchant codes of the XXXX, I should continue to get my 5 % cashback. Shopping for 5 % at the XXXX is one of the main benefits of this card ( a place that military shop very frequently ) that has suddenly been taken away. 

See attachment for evidence : XXXX XXXX stopped getting 5 % back around XXXX XXXX XXXX XXXX XXXX stopped getting 5 % back in XXXX XXXX XXXX XXXX never got 5 % back which is particularly egregious because it was a military clothing store at XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Nations Recovery Center
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a call and letter from Nations Recovery Center on XX/XX/XXXX to collect a debt from a judgement that was vacated in XXXX XXXX 2 years ago. Previous to this call I dealt with Nations Recovery two years ago where I provided them proof that this debt was no longer owed and judgement was vacated. I also send them a cease and desist letter in regards to this debt and to no longer contact me in XX/XX/XXXX. They recently called me on XX/XX/XXXX claiming that I still owed this debt so they ignored my cease and desist notice as well as trying to get me to pay them again for a judgement that was vacated two years ago from a debt acquired in XX/XX/XXXX. I since sent them another cease and desist and proof of vacate of judgement for this debt. I continued to receive harrassing phone calls and mail correspondence for a debt that does not exist. I have suffered emotional distress and physical discomfort from these interactions with Nations Recovery Center and would like to report their harassing behavior. I have attached the notice to vacate on the refered judgment. The first letter to cease and desist and a picture of the email that acknowledged their acceptance of the notice and my second notice to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
after recently review of my credit report i noticed unauthorized credit inquiries, i did not authorize please delete immediately 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 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Bank Of America credit card was skimmed at a XXXX XXXX on XXXX XXXX. The thieves quickly to exploited the information obtained. They were quite sophisticated, because they had blank BOA chip equipped credit card stock ; and knowledgeable as well, calling BOA to reactivate the card after it was declined. Twice declined at ATM 's. Also declined, if memory serves, at local businesses. I found out the full extent of the fraud when I visited a local branch of BOA, at their insistence. Seems calling from my cell phone was not acceptable ( home renovation was underway at my place of residence and I was staying with family ). 

Despite these " card declined '' refusals, and the photographic evidence no doubt available to them through a courtesy call to the banks, they impugn my integrity by saying I must have made or allowed these charges to be made : " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' My card was in my wallet. None of that quotation is true. A ( counterfeit ) card was used. With my information encoded thereon. But not by me. Bank Of America never asked for a sample of my signature for comparison. I do not know why they have come to such an egregiously wrong determination, and slander. Could they at least run a trace on the phone number used to reactivate the card when it was declined? It's obvious that I only use the card for major purposes ( car repair, medical bills, XXXX XXXX  ) and that eateries, dollar stores and casual use ought to be proof enough of fraud. That, and all the other evidence mentioned above. 

The amount in question is {$160.00} Unsure as to their reckoning, fraud claims listed online are : XXXX XX/XX/XXXX, {$13.00} and {$34.00} ; XXXX XXXX XX/XX/XXXX {$19.00} ; XXXX XX/XX/XXXX XXXX ; XXXX XXXX  XX/XX/XXXX {$50.00} ; XXXX  XX/XX/XXXX {$9.00}. Gives me {$140.00} for a difference of {$13.00}. 
I don't understand why they think I am liable for the whole amount when the law limits my losses to {$50.00}. I don't understand why they think I should be victimized twice, by them and the thieves. In fact, Bank Of America itself alerted me by e-mail that my card had been comprimised.

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 2020-02-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my information and opened accounts fraudulently while working on opening my business and applied and created all kinds of inquiries in my name ....

Company response to consumer: Closed with explanation