BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though this company AMEX is reporting an alleged Inquiry for date of service XX/XX/2019that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : 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 2019-05-14
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number XXXX and partial account number XXXX. I previously put down deposits to cover these balances. My credit report needs to be corrected to report a {$0.00} balance and {$0.00} past due on these two accounts. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: NAVY FEDERAL CREDIT UNION
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 is missing that should be on the report

Complaint:
The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX  but on time XXXX  and XXXX. Then in XXXX late with XXXX  and XXXX   and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Tide Water continues to call my home number, my cell number and my childhood home number. Trying to collect on a debit that they are stating is out there on my maiden name. I have not used this name in over 16 years. Also my credit has been frozen for almost 2 years as my purse was stolen. I have also checked my credit report and there are no red flags on my credit that I have any unpaid debts. 

There has been no contact from this company in writing on what the debit is or how much is owed. From my understanding they would have had to do this with in 5 days of the original phone call. I believe the first call I received was back in XX/XX/2018. 

Because of all of this I believe this company is a scam. I need them to stop harassing me and my family will the obscene amount of phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX, I received a Promotional Offer from Citizens Bank that came in the mail, offering up to {$600.00} if I opened a new checking and saving account. On XX/XX/XXXX, I went to the branch whose address appeared on the offer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) and spoke with Associate XXXX XXXX ( XXXX ID # XXXX ). I explained that I just received this offer in the mail and asked her what I needed to do to receive the offer. I gave her the offer and she asked me if I wanted to open up both accounts to receive maximum offer of {$600.00}, to which I said yes. The offer required a minimum deposit of {$15000.00}, be maintained for at least 3 months, and the checking account required a direct deposit of {$500.00} or more within 60 days. The offer states that if the deposits were maintained for the required period, the bonus would be paid by XX/XX/XXXX. 
I opened a XXXX XXXX account and deposited {$15000.00} by way of a personal check. I then opened a XXXX XXXX XXXX account with a {$200.00} personal check, and my Bi monthly direct deposits of {$170.00} started on XX/XX/XXXX and continued to date, totaling over {$1400.00}. 
On XX/XX/XXXX, I contacted the customer service department after becoming concerned that I had not received a notice advising that I had met requirements of the offer, and date I would receive my bonus. Customer Service Associate XXXX XXXX XXXX XXXX office ) who reviewed my account and the offer, and believed that the requirements of the offer had been met, and advised that he would submit a pay request, and I should have the bonus within XXXX business days. 
When I did not receive the bonus by XX/XX/XXXX, I contacted Customer Service again and spoke with a XXXX XXXX XXXX XXXX XXXX ) who stated that I should receive my offer bonus by XX/XX/XXXX. 
When I did not receive a deposit in my account by XX/XX/XXXX, I again contacted Customer Service and spoke with Supervisor, XXXX XXXX. She would try to explain to me that I did not meet the requirements of the bonus, because I did not make a one-time deposit of {$500.00} or more from my direct deposit. She then referred the entire case back to the original Branch office to be investigated by XXXX XXXX XXXX ID # XXXX. 
This complaint was supposedly turned over to the Branch manager on XX/XX/XXXX, and to this date XX/XX/XXXX, I have not been contacted by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card currently charges 28 % interest rate and refuses to lower it. They say this is the lowest apr available but no other card I have is like this. XXXX XXXX card is unethical and charges as much interest as a loan shark. When I try to get this lowered they send me the same form letter no matter what I ask or say.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: MO
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:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Experian XXXX XXXX is reporting an alleged Inquiry for several dates of service : XX/XX/2019 XX/XX/2019 XX/XX/2019 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

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 2018-01-25
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXXWed 2018 ... ( 7 in 3 days starting at 8 am from all different numbers ) They called and stated I owed over a thousand dollars. She started off by saying " this is what you owe how would u like to pay by check or credit ... '' I never caught her name and I did ask for it but she did n't give it to me. I still have no idea who they are or if they 're real. After reading on their reviews on XXXX it is AWFUL and encourage you to do the same. I never received an itemized statement or from who. I asked The lady if she could send me one. She kept talking over me. Told me they do n't do that after a few times of asking and stating I knew my rights she said " unless I send a written letter requesting one they will not be doing that ''. Why would I give out the last 4 of my SS, DOB, address and bank information to any one who wo n't identify who and what they are? Very very rude and intimidating. I called and left a message for a manager. No call back yet. I also told her my daughter has Medicaid if ( thats who it was for??? ) she could send me the dates of service, Bills or whatever I could provide my information and a plan for payment as well. I asked about email ... Still very rude and condescending, still no. Please if you can listen to the recording. Scary business tactics. Not a way to do business or help people like their webpage states. I have nothing to attach because I have no idea what they are referring to and if I have already paid the bills She was claiming.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I lost my job in XXXX of XXXX. I was on XXXX all of XXXX. 
I had major XXXX XXXX on XX/XX/XXXX. 
Went back on XXXX XXXX of XXXX. Currently on XXXX. 
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. Injury settlemets are also exempt from a levy. 
On XX/XX/XXXX, Bank of America levied {$32000.00} from primary checking account. B of A was represented by XXXX XXXX XXXX Law firm : XXXX XXXX XXXX, Building XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX. 
I submitted an exemption claim within the allowable time frame. 
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance. 
3 ) Injury settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children. 

XXXX XXXX XXXX objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where injury settlement funds have dried up, will be unable to keep up with bills, support family. 

Bank of America Legal Department refuses to have direct communication. 
I know I have met more than enough of the requirements for exemption status. XXXX XXXX XXXX elected to drag this out in the courts. 

I can't explain the physical and emotional distress this has caused. 

I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with B of A, always paying my card bill. They have the records. 

B of A credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this. 

I am asking for help at a time my family could use the assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Bread Financial Holdings, Inc.
State: LA
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 balance transfer

Complaint:
On XX/XX/XXXX there were 3 balance transfers from my Comenity CC. The first one for {XXXX} was mine. There were an additional 2 charges : {XXXX} and {XXXX}. Comenity states that these went to a XXXX account and I do bank with XXXX Bank BUT these did not go into my account or any account that I am aware of. I have gone to XXXX Bank and sat down with them and they checked all my accounts to confirm that these transactions did not occur on my account. Comenity will not tell me the account where these amounts were transferred. So that my credit would not be affected, I have paid Comenity but these are not my charges and I have been trying since XX/XX/XXXX to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
To whom it may concern : I am writing this message in regards to an unknown acccount that appears on my credit and I have no clue where the account came from. I am unaware of the account and it is an error that you are reporting. It has cause me distress and embarrassment. I have sent several certified letters over to your company, called in and nothing was resolved. It has bought me great pain and discomfort. All I have left to do is take legal actions against your company and file a law suit at XXXX XXXX County Court House. I am allowing 72 hours and patiently waiting on your response. Please look at the attachment below.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
identity theft

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 2018-01-25
Company: Experian Information Solutions Inc.
State: WI
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 pulled my credit file and I have noticed a few unauthorized activities that have taken place. The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission XXXX. I WILL ALSO FAX AFFIDAVIT AND WANT THIS ERROR GONE WITH IN XXXX AS DICTATED BY FCRA.

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 2018-01-25
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:
I have sent 2 letters by certified mail, return receipt to Experian. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Experian received and accepted my letter through registered mail datedXX/XX/XXXX To date I have not received a response. A second letter sent dated XX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Experian dated XX/XX/XXXX To date I have not received a response.

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 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 pulled my credit file and I have noticed a few unauthorized activities that have taken place. The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission XXXX. I WILL ALSO FAX AFFIDAVIT AND WANT THIS ERROR GONE WITH IN XXXX AS DICTATED BY FCRA.

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 2018-01-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a payday loan at ACE cash express and when I proceed with the application they did not tell me that they have to do a credit check because in the yellow pages it said no credit check but they are doing false advertising and if you applied several months or ago they will not ask you have any of your information has change they just give you a denied letter going off some old information and then storing your information so if you come back to reapply they still have your information they are not suppose to keep your information in their database because information on your report change over the months and years. They just do n't take out time to update their system so it can have the information up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In accordance with a XX/XX/2020 letter from XXXX XXXX  indicating non-approval of my application for a credit card, I requested a free credit report from Sagestream LLC in a forwarding of the letter on XX/XX/2020 ( attached file ) to the address provided in the letter, per FCRA law.To date, I have not received the free credit report from Sagestream used in the credit decision.

Company response to consumer: Closed with explanation