BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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 am writing to file a formal complaint against Equifax, a nationwide credit reporting agency, for their gross violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and California Consumer Law. Equifax 's response to my debt validation request, dated [ Date ], has disregarded my consumer rights, causing significant financial and emotional harm. 

On XX/XX/2023, I submitted a debt validation request to Equifax, disputing inaccurate information on my credit file. In response to my request, Equifax replied with a letter dated XX/XX/2023, in which they stated that the information provided as proof of my identity did not match the information on my credit file. Consequently, they demanded additional documentation to verify my identity and current address, despite my provision of legally recognized proofs of identity, such as my California identification and Social Security card. 

Equifax 's request for additional documentation beyond what is reasonable for identity verification constitutes a clear violation of the FCRA. The Act requires credit reporting agencies to conduct a prompt and reasonable investigation upon receiving a dispute, ensuring the accuracy of the information they maintain. Equifax 's actions, however, suggest a deliberate attempt to stall the validation process, causing undue hardship and financial strain. 

Moreover, Equifax 's refusal to validate the disputed items on my credit report has unjustly denied me credit opportunities, leading to adverse effects on my financial standing and overall lifestyle. My ability to secure loans, obtain reasonable interest rates, and find suitable housing has been severely impeded, resulting in significant financial strain and emotional distress. 

Equifax 's actions also raise concerns about potential violations of California Consumer Law. Under California Civil Code 1788.50 ( g ), I have the right to request " validation '' of the debt. Validation entails credit reporting agencies, such as Equifax, providing specific information about the debt, including the nature and amount of the debt, the name of the original creditor, and verification that I am responsible for the debt. Equifax 's failure to adhere to this requirement constitutes a violation of my rights under California Consumer Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Revisit of an earlier complaint not fully resolved. 

My mother, XXXX XXXX 's account at B of A # XXXX, apparently had a " fraud alert '' dated back to XXXX of 2020 on this account. This occurred when she thought someone had stolen check book XXXX she was suffering from early XXXX ). I just found out that when I presented my Power of Attorney about 6 weeks ago this is what was " blocking '' me from having access. 

Today I finally got it resolved by presenting her death certificate showing she passed on XX/XX/2020. 

Question : Why did she need to DIE before BofA would work with me to clear up the fraud alert? What if we had needed these funds for her care and/or funeral expenses?

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 2019-02-05
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:
Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX   XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XX/XX/XXXX, ( 6 ) XXXX, XX/XX/XXXX,XX/XX/XXXX, ( 7 ) XXXX XXXX XXXX , XX/XX/XXXX, XX/XX/XXXX, ( 8 ) XXXX XXXX XXXX  , XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Hi, In XX/XX/2017 my husband referred me to open an AMEX SPG Business Card. Since I have a XXXX XXXX and own a XXXX XXXX I thought it could be a good idea to try to keep expenses separate. I used his link, applied and was approved for the card. The offer stated that I had 90 days to spend $ XXXX to receive XXXX SPG points. I received the card in XX/XX/XXXX and used it right away to pay some expenses. I spent $ XXXX by the middle of XX/XX/XXXX and waited for the points to post. Normally, bonus points post the next cycle. After not seeing them post, I called and inquired. They opened up a case and said it can take 6-8 weeks. I inquired every now and then via chat and was finally told in early XXXX  that I was not eligible. I asked why and was told it was because I had the card before. I informed the customer service representative that I have the personal card and not the business card. I asked what date does it show me having the business card and he could n't tell me. He checked via my SSN number and agreed that I never had the card before. He said he would open a new case, but it should be resolved quickly. Thinking it would be quick I called a few times in XX/XX/XXXX. Last week I spoke to a supervisor. She told me that case is still open, but it would not go in my favor since my offer states a bonus is not available to those who had the same product. Again, I explained I have the personal card, but I never had the business version. She said they are the same and there was nothing she could do. To be honest, my husband and I love AMEX. I use the SPG cards and he does as well, along with his Blue Cash Preferred. Their customer service has been terrific except in this case. For some reason, they refuse to honor their agreement and provide the bonus SPG points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Earnest Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When XXXX bought out Earnest, they removed the biweekly payment option. When I called to discuss this with representatives in XX/XX/2018, they told me that switching to monthly payments would not affect the amount of interest I paid. That was false. A basic economic principle is that paying a loan more frequently reduces the amount of interest. I continued to make biweekly payments despite Earnest 's false representations. In XX/XX/2018, the interest being charged on my loan doubled. I have a variable interest rate, but the increase in LIBOR was not enough to cause the interest to double. I suspect XXXX changed the way they are calculating interest. Since XX/XX/2018, the interest being charged on my loan increases even when the interest rate and LIBOR decrease, and even though my loan balance is decreasing. This does not make sense. Earnest is either calculating the interest rates incorrectly, or charging hidden fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I made a payment of {$18000.00} with an effective date of XX/XX/XXXX. The payment was made on my Chase Credit Card ending in XXXX. The payment was subsequently honored by XXXX XXXX and debited from my checking account without delay. On XX/XX/XXXX I attempted to use my card ( which showed a small balance of approximately {$300.00} due to recent purchases ) to  make a purchase with XXXX of {$410.00}. Payment authorization was repeatedly denied by Chase. 

Upon further investigation and calling Chase I was advised that my payment was being " held '' until XX/XX/XXXX, with use not being allowed until XX/XX/XXXX. During that time without notice I would not have use of my approved credit limit of $ XXXX but instead {$76.00}. I authorized my daughter in law to speak on my behalf and she further confirmed the payment having posted to my XXXX account, that there was no advisement by Chase on my payment confirmation email, credit card statement terms or account profile on chase.com that the payment would be held. 

Chase Supervisor XXXX XXXX - XXXX, MO was also advised of the situation and that my payment had cleared XXXX on XX/XX/XXXX and that this was unacceptable. XXXX pointed my daughter in law to a clause in their card agreement that enables them to take up to 14 days to process a payment and make it fully available on my account. This is the 1st I've heard of this and have never experienced such treatment previously. 

I have been a customer of Chase for many years and have never had a late payment, over limit situation or any payment not honored by XXXX. If Chase intended on " holding '' my account/payment and not allowing me to utilize it I should have been notified. 

I am in the process of trying to move and this has created an undue burden on me for no valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
i have contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit Experian is reporting {$950.00} credit limit XXXX is reporting XX/XX/XXXX as the date of last active Experian is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and experian is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting

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 2020-08-24
Company: ID Analytics, Inc.
State: MN
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:
Sage Stream is reporting adverse information of fraudulent accounts and credit inquiries on my consumer report. All the credit inquiries and fraudulent accounts listed on my consumer report is fraudulent and unauthorized. The credit inquiries or accounts are not my credit inquiries or accounts. There shouldnt be any adverse information of accounts or credit inquiries listed on my consumer report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from phone number XXXX on XX/XX/XXXX at XXXX CST. I did not answer. The person calling left me a voicemail stating his name was XXXX XXXX with XXXX XXXX XXXXXXXX and that he was calling about a pending judgment against me that was going to be filed with my county court clerk. 

I called back at XXXX and XXXX immediately answered. He tried to verify me by both my married name and my maiden name. I have not gone by my married name since XXXX. I asked him what this was concerning and he proceeded to tell me that there was a judgment against me for a credit card. I told him that I have never had a credit card with the company he mentioned. 

He proceeded to tell me that I did have a credit card with that company. I told him I did not and that I wanted proof that I owed this debt. He said he didn't have to prove anything to me and that all they had to do was prove it to the courts. I told him ( again ) that I wanted him to provide me with proof that I owed this debt and he said he would provide it to my lawyer. He then asked me if I had a lawyer. I told him no I did not have a lawyer because I believed XXXX was making false and bogus claims. He told me that he hoped I was right because I was going to get sued. I asked him when the card was supposedly opened and he said he didn't know. He again said that the county court clerk was going to get the judgment today ( XX/XX/XXXX ). I told him I would call the credit card company directly to find out what the debt was about to which he responded " good luck '' and hung up. 

I do not owe this debt. I have never had a card with the company he was referencing. When I asked for proof, I was denied. I looked up XXXX XXXX  XXXX. They have a website : https : /XXXX/ On the website there is no address for them. No description of who they are. 

I HAVE NEVER HAD A CREDIT CARD WITH THE COMPANY MENTIONED AND I DO NOT KNOW WHY I WAS THREATENED IN THE MANNER THAT XXXX XXXX WITH XXXX XXXX XXXX THREATENED ME. I WAS TRYING TO BE FAIR AND HONEST BY ASKING FOR MORE INFORMATION ABOUT THIS DEBT. I WAS REFUSED ANY TYPE OF INFORMATION, WRITTEN OR VERBALLY. HE DID NOT HAVE ANY INFORMATION TO PROVIDE ME. HE COULD NOT TELL ME WHEN THIS CARD WAS SUPPOSEDLY OPENED. AND HE WOULD NOT PROVIDE WRITTEN PROOF. HE THREATENED ME. ALSO, DEBT COLLECTORS ALWAYS STATE IN THEIR PHONE CALL " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' MINI-MIRANDA. THIS WAS NEVER STATED IN OUR COMMUNICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: PR
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:
Reference CFPB complaint # XXXX,XXXX ; XXXX I stayed the same as in the first complaint. For the third time, Experian has closed the case, writing the same as in the first and second complaint. The only thing I 'm asking Experian is to give me evidence of the veracity of the information that appears on my credit. Experian answers that they verified with the creditors and that the information is correct. I ask again, where is the writing from each creditor that says that information is accurate? The law is clear : If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : USBANKRUPTCY XXXX : ACC # XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to  provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Money was taken out of my account and i verified with them and everything for almost XXXX $ thru out XXXX and XXXX and they really did not care or investigated at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

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 2021-04-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have provided documentation to the credit bureaus and XXXX has not removed this debt after I have requested a letter of validity of the debt with Fair Collections with my signature

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 2021-04-07
Company: Tulsa Adjustment Bureau
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hello! 

Recently, XX/XX/XXXX, I had an account known as TAB services out of XXXX OK, try to collect a debt that I have no connection to from the year XXXX. I have never been affiliated to anything debt related outside of XXXX, MO. I have tried to dispute the debt, but they claim the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Saving Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$300.00}, but the bank holds that check and refused to give me my remaining balance until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One Advantage LLC has reported a false medical bill charge to my credit report. It states I owe {$52.00} for date of service XX/XX/18 for a doctor that we don't go to. We live in North Carolina and this is for a doctor in Kentucky. I have contacted the doctor and they have no record of us being there on XX/XX/18. Please remove this fraudulent charge immediately. One Advantage has damaged my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation