BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions.

15 USC 1666B : A creditor, may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-04-30
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I was recently issued a Chase Freedom XXXX Credit card through JPMorgan Chase. Within the agreement, it says that I have a right to refuse arbitration. To do so, I need to notify JPMorgan Chase within 60 days of my account opening, in writing with my name, account number, address, and personal signature. Any other method, including orally or by electronic mail, would not be accepted or effective. Due to the coronavirus pandemic, the postal delivery is simply too slow to ensure delivery of my right to refusal before the 60 day cutoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear CFPB, I am writing to file a formal complaint regarding my recent experience with Citizens Bank while attempting to close my online savings account and obtain a 1099 for the year XXXX. My issue stems from a wasted afternoon spent trying to get through to the correct person to complete this process. 
On XX/XX/XXXX, I made multiple calls to Citizens Bank 's customer service. Each time, I endured lengthy wait times of over 30 minutes, only to be placed on hold again for another 30 minutes or longer. The frustrating part of this experience was that on two occasions, I was fortunate enough to connect with a representative, but the calls were abruptly disconnected before I could resolve the matter. 
This prolonged and unproductive process not only wasted a significant amount of my time but also caused undue frustration and inconvenience. I have made diligent efforts to close my online savings account, but the bank 's customer service has not been able to provide the necessary assistance. 
I kindly request your intervention to help expedite the closure of my online savings account with Citizens Bank and to address the issue of excessively long wait times and disconnected calls experienced during this process. 
I have documented my attempts to resolve this issue, including dates and times of phone calls and any interactions I had with Citizens Bank 's customer service. 
Thank you for your attention to this matter, and I hope for a prompt resolution to my concerns. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: D&A Services, LLC
State: ID
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:
Last fall ( XX/XX/XXXX ), D & A Services LLC began contacting me to collect a strangers debt. After several phone calls clarifying that I am not the individual in question and asking for the attempted collections to stop, they took a break from calling me. They contacted me again today ( XX/XX/XXXX ) to pursue collections of the stranger 's debt through me. Unfortunately, due to a data breach at XXXX, all the call records prior to XX/XX/XXXX have been lost and I can not provide the dates the contacted me priorly.

I will not pay for a strangers debt and D & A Services refuse to acknowledge this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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:
From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my XXXX, Equifax and XXXX credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Social Finance, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
SOFI lending sent me an offer for a private student loan which I had some interest in for my son 's current tuition and cost of living. SOFI does not disclose any details on loan terms until after your application is approved so I submitted an application to see what the terms would be. After SOFI approved my loan I asked for the terms and found the terms nearly userous in spite of my stellar credit and asked them to cancel my application immediately which I was assured would happen. 

Within two days hence I recieved a " notice of disbursement '' to XXXX  XXXX and SOFI had released funds against my wishes. I called quickly and asked them to stop payment and they said " too late '' I would need to contact XXXX XXXX to return the funds putting the entire burden on my shoulders for their mistake. 

I have subsequently spent TWO MONTHS making more than 30 phone calls and countless hours negotiating the return of the funds between XXXX XXXX, State of VA, SOFI, and XXXX. The funds dissappeared multiple times for weeks at a time in the handling process leaving me wondering if they were permanently lost or stolen. It was so easy for SOFI to release funds without my go ahead, yet nearly impossible to get them returned. 

While this was happening the loan aged to a point where it was greater than 60 days past due, my credit file has been impacted along with late fees that SOFI wants to collect. 

All in All a horrifying experience mired in loan shark mafiosos tactics that need to be cloesly monitored for this fringe operator. SOFI seems to aim for the minimum standard of compliance and and may be operating below the legal compliance threshold to keep their cost low and profitability high. 

Their servicing arm XXXX was 45 days in arears on data flow and has kept me in their collection system long after the refunded loan proceeds were credited to my account, seems like a violation of law here. 

Please get eyes on SOFI and XXXX to straighen these systemic failures from ruining the lives of other unsuspecting consumers. 

SOFI needs to clean up their act or get banned from doing business in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/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 2022-01-24
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
Sometime in late XXXX or early XX/XX/2021, I applied for the American Express XXXX XXXX XXXX card. They had an offer on their website for 90,000 miles, in addition to some other benefits, by spending a specific dollar amount within a 3 month time frame. The card was approved and I began using it on XX/XX/XXXX and also paid a {$250.00} annual fee my first month. 

I had not seen my bonus miles show up so I messaged them on XX/XX/XXXX to inquire. I was told that the bonus offer was denied based on my welcome offer history with American Express and another financial institution. The representative also stated that I should have been informed of this at the time of application, they knew that I was not informed and they apologized for me not being notified. I was not informed of this at the time of application. I had even called them shortly after I applied and was approved and the employee had clarified the bonus offer. A transcript of this correspondence containing 3 screenshots is attached. 

AMEX should have notified me right away as they know I applied for that offer on their website. I feel this is misleading. I have also spent over {$15000.00} on this card in the final 3 months of 2021 so AMEX has made good revenue on our activity. Of course I am frustrated by not receiving the rewards I was expecting but more importantly feel like they neglected to inform me of the situation, which added to the frustration. 

I really enjoy the quality of the company and the card benefits but it bothers me that this happened. I have referred many other people to apply for this card as well and I continue to use it as my primary card. The reason I applied for it is a family member recommended it as they use it for frequent travel and we plan on doing more traveling now that our kids are older.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried to settle the debt when I was first contacted even though I dont feel that I legally owe the debt. The original representative attempted to coerce me into taking a high interest title loan. I was contacted again during my working hours and requested not to be contacted before XXXX as I could be reprimanded for using my phone at work. Since then I have been contacted repeatedly during working hours even after I requested multiple times not to be. Every time I tried to work with them I was told that they would settle but for more than the original amount. Some of the representatives have been very rude or pushy towards me, They have told me conflicting information as to who owned the debt, and they have repeatedly threatened to " take further action '' without specifying what that was. The last woman to call said she wouldn't waste her time attempting to deal with me and hung up on me. At this point I think they have racked up more violations of the fair debt collection practices act than they claim I owe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo reported incorrectly on my credit report. I have attached two credit reports that they have two different ratings. I have paid off a collection account in 2019 through a settlement they offered me. All payments were made through my Wells Fargo account. Last week through XXXX XXXX, I had been alerted that Wells Fargo reported inaccurate information. I am in the middle of purchasing a home, and because of this inconvenience, it has dropped my credit score over XXXX points.

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 2022-01-19
Company: JPMORGAN CHASE & CO.
State: GA
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:
JP Morgan Chase allowed someone to open and use a credit in my name. They are reporting this fraudulent card to credit bureaus and are calling family members about the debt that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX after I closed on my home XX/XX/2022 the title company sent my Insurance agency a check of {$2400.00} that was stolen and cashed at Bank of America and now the Insurance agency is threatening to cancel my homeowners insurance the bank is XXXX XXXX who Is Handling the fraud case And they are taking too long, that money need to be deposited back into my escrow account for my Homeowners insurance Before I get canceled Here are our list of the parties involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX person in charge at XXXX XXXX XXXX XXXX XXXX Cell 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 2023-03-13
Company: BARCLAYS BANK DELAWARE
State: MD
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:
On XX/XX/XXXX, I received a call from a XXXX XXXX stating that he was from the Head Office of Visa/Mastercard Card Member Services . He identified my total credit card debt and offered a service which included a balance transfer. He stated that XXXX XXXX XXXX would arrange this. I was transferred to a Credit Advisor, XXXX XXXX at number XXXX. He explained the process and verified my personal information. I told him that I needed some time to think about this. He suggested that I give him a call on his direct line once I made a decision ( XXXX ). I called and left a voicemail stating that I did not want to move forward. On XX/XX/XXXX XXXX from, head quarters, verified that they received my voicemail but stated that once they start the process it can not be reversed. She claimed that they had a signed agreement from an XXXX phone on XX/XX/XXXX. I never signed anything and when I asked her to provide a copy, she stated that I need legal representation to get a copy of the call or the agreement. One of the cards they opened in my name was a JetBlue World Mastercard ending in XXXX with Barclays. 

In the meantime, I filed a report with the XXXX XXXX Police XXXX and an Identity Theft Report with the Federal Trade Commission. I provided copies of both to Barclays, XXXX and XXXX. Barclays conducted several investigations resulting in the original balance ( {$2600.00} ) being waived but the fees remained. These fees have left a negative flag on my credit report, thus impacting my credit score. 

XXXX XXXX XXXX has not been held accountable for the theft of my identity.

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