BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
usc section 1681 states that there must be written authorization from the designee for any inquiries and also section 609 of the fcra states there must be signatures in order for this to be legal these are illegal practices by these companies and if not seased now i will take legal action immeadiately these inquiries are unknown and unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The problem related to A REMOVAL OF CREDIT BALANCE ( {$240.00} ) on XX/XX/2023 of my AMEX blue cash magnet account. AMEX removed the credit balance but never paid back the credit. They said they sent the check 3 times, but I found they sent it to a different state. On XX/XX/2023, they tried to transfer the credit to my XXXX and that time it worked. However, I found there was a Credit Balance Refund on my account, and it was taken as a charge for this refund and I need to pay for this refund. I tried to dispute this problem many times but never got any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Apple bank closed my account and now that i ask for bank statements for taxes nobody answers me and i really need them its not nice at all from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXXXXXX XXXX affiliate from XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022 A dispute was made the company was charging {$14.00} XXXX cents USD Over a transaction that I used another card from so if to transfer that amount to my card but was later returned to original XXXX card because failed to accept each. 

XXXX company charged me XXXX Which I should not been charged since transaction was not completed and money was retuned to XXXX  ain't and company still asking for XXXX even if money from XXXX card not XXXX  I spoke to this of XXXX  the banking issue im correct I shouldn't be charged. For money already been returned. And the company also closed my acct and cause me fraud along side stating someone else or myself open separate account and they also banned me from bank and also told me I don't have option to pay even wanted to balance I shouldn't been charged can't money already returned to original XXXX bank instead XXXX closed acct and ended dispute of charge mine and but my acct flagged as fraud and also claim someone else or me open separate acct and fraud was done and my identity was not confirmed which is ridiculous because when I open card my id was accepted but months later im told diff my identity not confirmed and suspect fraud. And im being charged an amount was already returned to XXXX by XXXX  bank by XXXX and customer service only told me acct closed im banned from the bank and label my acct fraud since claim someone else or me act was made.

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 2020-10-23
Company: Experian Information Solutions Inc.
State: MD
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:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX Please remove these FRAUDULENT inquiries.

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 2021-03-02
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX  Acct  # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Westlake Services, LLC
State: CA
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:
This was never my car loan car loan was for XXXX XXXX i never lived at the address that XXXX XXXX that is on my credit and I would like for this to get removed of my credit report the account has been closed and paid off.

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 2023-09-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX $ XXXX XXXX I was suppose to get the money and my bank said it was counterfeit frud check I paid XXXX $ now my bank account is closed and I lost my daughter 's XXXX my paycheck my personal funds and more adding up to XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
No response can you please delete those items!!!

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. Recently I saw late payments appear on my consumer credit report account XXXX XXXX XXXX # XXXX .., XXXX XXXX XXXX XXXX XXXX ...., and XXXX XXXX XXXX XXXX XXXX .... from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: TX
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:
The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. The account is listed below : XXXX  XXXX XXXX Balance : {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Action Financial Services, LLC
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Im in collections i dont make enough to make payments. The debt collector ms XXXX XXXX at action financial XXXX called my work and kept me on the phone for 15 mins after telling her i was at work

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 2023-08-30
Company: Resurgent Capital Services L.P.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am a victim of identity theft ; this account has been open up fraudulent I need this account removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX of 2022 I fell victim to a crypto scam. I sent XXXX to what I thought was a legitimate business entity that turned out to be a scam and took the funds. I have now been for over a year trying to get these funds back. Please see attached document for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
CRA is in violation of several consumer protection laws.

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 2023-03-31
Company: EQUIFAX, INC.
State: MI
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$1600.00} ; XXXX XXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I submitted a dispute to Equifax that XXXX ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per XXXX 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, XXXX, reports they show XXXX late entries and have no idea why Equifax report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Brought a vehicle from us auto sales in XXXX made all my payments even wen they switched to westlake car was still repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 deleted erroneous reporting in my file and the listed on my credit report XXXX XXXX XXXX Balance : {$4800.00} 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 explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: TX
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : 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 2022-07-21
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a debit XXXX cash app card in my name to my address. I did not open a cash app account. Someone did this with my information. Someone has my social security number. I called cash app on XXXX XXXX to report this. They sent me a link to send picture of card and wanted my name. They said they would close the account. I don't know if it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Re : XXXX On XXXX XXXX, XXXX, I booked a round trip XXXX XXXX ticket from XXXX to XXXX using my XXXX XXXX XXXX XXXX rewards points. 

Trip ID : XXXX Flight Confirmation # XXXX Agency Reference # XXXX Upon arriving at the airport during the check-in process I was advised by XXXX no ticket or reservation was associated with the email confirmation number provided to me by XXXX XXXX XXXX. In order to travel on the flight I was required by XXXX to purchase a new ticket at check-in for the amount of {$770.00}. Unfortunately, the XXXX XXXX XXXX XXXX failed in its fundamental service of arranging travel for a very important trip. Travel rewards are a central part of the XXXX XXXX XXXX benefits and the main reason I signed up for the card. I was forced to pay out of pocket {$770.00} and go through an extremely stressful event in almost missing an international flight because of the error. I also never received reimbursement for the reward points I used to book the original flight. 

I am further disappointed because, upon contacting Chase customer service and sending the XXXX receipt on XXXX XXXX, XXXX, I was promised by XXXX XXXX XXXX that I would receive a check reimbursement for {$770.00} via mail within 14-20 business days. Nearly 50 business days have past and unfortunately I still have not received reimbursement for the error. 

I originally reported the error over the phone on XXXX XXXX. I followed up via phone on XXXX XXXX and complied with the request to send an email receipt from XXXX. I followed up again with Chase in writing via the secure online emails system on XXXX XXXX. I followed again via phone in the middle part of XXXX and again on the XXXX of XXXX. On the XXXX of XXXX I explained I would be filing a formal complaint if I did not receive reimbursement. Again, for the 4th time, I was promised a check in the mail. On XXXX XXXX I followed again with Chase in writing explaining the situation and asking for written confirmation of when I would be receiving the check. I received no response from the travel rewards department to my request.

Company response to consumer: Closed with explanation