BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My American Express personal savings account was debited for ( {$4800.00} ) on XX/XX/XXXX. I did not authorize this transaction nor have I ever personally owned a credit card with XXXX. I noticed the fraudulent transaction on XX/XX/XXXX at which point I immediately called American Express to notify them and begin the dispute process.

I received a letter from American Express dated XX/XX/XXXX indicating they would not refund me the {$4800.00} because " based on their review of the information, no bank error had occurred ''. I've since made several calls to American Express to request additional information & documentation on how they arrived at that conclusion, and each time I demand to speak to a supervisor on the issue they've told me someone from " business operations '' would call me in a specified time period to explain to me why I wouldn't be refunded my money. I still have not received a call from AmEx " business operations '' within any of the time periods I was told I would receive a call within. 

Today I called them again to demand information because I didnt receive a call as promised, and I was told AmEx is sending me a letter in the mail indicating why they will not be reimbursing me for a transaction I didn't make. This is strange because AmEx refunded another fraudulent transaction on my account - the other transaction in question was an online payment to an AmEx credit card which I've never owned an AmEx card either. I believe American Express is intentionally trying to make it difficult for me to get confirmation of what's going on with my dispute in the hopes that I give up and AmEx will not have to refund me my money that I'm rightly due. I'm terrified that they've taken advantage of other consumers that may have less persistence than I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26
Company: Charlottesville Bureau of Credits, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at a location XXXX XXXX XXXX and moved the place i was renting from kept my security deposit because i broke my lease a month early. I checked my credit a few months ago and seen i owed a debt of {$680.00} for rent and I called to clear it up and got no response on the issue. So I recently checked my credit report on XX/XX/18 and seen that i still owe this amount when i was never notified by the landlord or his staff i owed any remaining rent balance or a judgement from the court. The original creditor is XXXX XXXX where i rented from. The collection agency is XXXX XXXX XXXX i contacted both yesterday and got no feed back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: VA
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 initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the XXXX credit agencies, XXXX, XXXX AND EXPERIAN who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?

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 2017-06-25
Company: JPMORGAN CHASE & CO.
State: TN
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:
CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XX/XX/XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XX/XX/XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, transunion and XXXX have inquiries on my credit report. that are not mine. 
INQUIRES : 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, XXXXXXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX not mine

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 2020-08-28
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I reviewed my credit report through XXXX. I noticed that there was an account in " Collection '' status and I wrote a letter to XXXX and XXXX disputing the alleged account stating that it was not my account. XXXX never responded and XXXX did so with a letter dated XX/XX/XXXX. I also received a letter from Cavalry dated XX/XX/XXXX, with attached documentation stating that the account disputed through the credit bureaus was mine and the information was accurate. 

I then wrote a letter to Cavalry, dated XX/XX/XXXX, explaining what I had submitted to the credit bureaus and now asking them for the same information to VALIDATE the account that was placed on my credit file. On XX/XX/XXXX I received a response from Cavalry acknowledging my letter but not providing the requested documentation to show me PROOF and VALIDATION that the account being disputed belong to me. I then sent another letter to Cavalry on XX/XX/XXXX explaining that they had not sent me the required documentation and that I have the rights to dispute and obtain information of a debt that they say I owe to them. I received another response letter from Cavalry on XX/XX/XXXX maintaining their position that this account belongs to me and that the information they have reported the credit bureaus is accurate. They have failed on two occasions to provide me with the documentation to VALIDATE this account. 

I am asking for your help now to mandate this creditor to either submit the requested documentation or remove the " Collection ''  account off of my credit file with both XXXX and XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank {$400.00} bank bonus : Opened account on XX/XX/2018 with {$15000.00} into savings. 
Moved {$1500.00} on the same day to meet requirements Left the money untouched for 3 months as required by the bonus until the date of XX/XX/2018. 
Left {$10000.00} there since then to not get charged a fee. 

Bonus should've posted at the latest XX/XX/2018 but some people through chat has communicated that it should've posted by XX/XX/2018. 

On XX/XX/2018 was charged a fee because my accounts were not linked so I didn't meet according to them the {$10000.00} between both accounts. That was corrected. 

I've spoken through them multiple times through chat and phone ( has transcripts of chat from XX/XX/2018 and XX/XX/2018 ) They've stated every time I met the requirements but the bonus doesn't post and they're not doing anything about it. 

On XX/XX/2018 they opened an investigation which was going to take 7 days, I just spoke to them, they said they're not done with the 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 explanation
Consumer complaint received 2017-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Using the   XXXX   XXXX   app, it pu ts two or three s mall deposits into my account, which my bank is supposed to put back. But my bank has not returned the amounts yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2020 our team spoke to American Express personnel members on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX and XXXX to request and confirm Covid 19 economic injury assistance and account forbearance. Our Company ( s ) are 95 % reliant on the hospitality industry sector for our customer bases and we explained this to American Express on multiple dates. They first proclaimed that we were not eligible for assistance in XXXX. Then during later calls in XXXX we were lucky enough to speak with one of their employees that did confirm our prior calls, requests and he confirmed that we were a part of the Covid 19 economic injury protection plan at American Express. We have had this American Express Account for over 24 years and this is the first request for assistance that we have made. The later calls to American Express on XX/XX/2020 came with revelations that American Express employees claimed we were not a part of their protection plan for Covid 19. They claimed we had spoken to the " wrong department '' and that they had only " one month '' of assistance. At no time during our conversations did any American Express Employee explain a duration of help, nor would they readily admit that they even had a program for assistance, unless we asked to be transferred around their personnel members in some cases for two ( 2 ) hours on the calls. We do need help and we CAN NOT pay the American Express account now, or for the foreseeable future during the summer months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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: Investigation took more than 30 days

Complaint:
I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2023-02-28
Company: OneMain Finance Corporation
State: TX
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:
Inquiry was made on my report by OneMain financial on XXXX XXXX. I have never even heard of this place until I saw a notification on my credit report about a hard inquiry. I called and received the worst customer service ever. She tried asking for my entire social over the phone, I told her I dont feel comfortable giving out that information, maybe last 4. You never know what she is saving on her computer or writing down. She received no results from a last/first name lookup and all she said was I can dispute it. Basically the run around. I can dispute it with whoever reported the hard inquiry, I.e XXXX or XXXX XXXX. They supposedly cant do anything with my full social given over the phone. I said no and after much back and forth, she looked me up by first and last name. When that didnt come up, she asked for my last four of my SSN. Where was that option before asking for my full social over the phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2019 I purchased a pre-owned BMW from salesman XXXX XXXX. While signing paperwork she came to me with the XXXX stating the XXXX was clean a couple of days later after playing online to see the resale value it stated XXXX I was shocked to learn the car had been in an accident and the airbags deployed I informed BMW. And her she sent me a paper that was hidden under the XXXX that i signed showing the accident but failed to tell me the car still under warranty and they refuse to back up there product. 

After communication, they did agree to take the vehicle back but refused to take the vehicle back with my mother dropping it off due to me being on extended temporary duties with my job. 

I put a writeup on their page and they responded with a response. 


XXXX, we're sorry if there was any miscommunication. We want you to feel well-informed on the background of your pre-owned vehicle. If you wish to further discuss this issue, please feel free to contact us. We hope you give us another chance to clearly communicate. Thanks again, and please drive safely. ~XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam, I have Fraudulent Hard Inquiry on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiry and the copy of my ID. Here is the list of Fraudulent Hard Inquiry : XXXX XXXX XXXX  XX/XX/2021 It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!

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 2018-10-26
Company: BARCLAYS BANK DELAWARE
State: MA
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:
In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on (  XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense. 

I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX. 

I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. I have been a victim of Identity Theft and the account I am disputing does not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXXXXXX

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 2019-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX  - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX/XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : NONE INQUIRIES : - XXXX XXXX XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Name XXXX XXXX Bank Institution : US Bank Account # XXXX Routing # XXXX SSN XXXX I contact US Bank in XXXX to advise of fraudulent activity to my checking account. 
They advise of sending me another card and would research and refund the fraud charges. I contacted them again after receiving the new card but the funds had not been returned. They advise about sending paperwork. Still nothing.

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