BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to release my security freeze at Experian using their website. This was impossible as there was no way to search or to navigate to such a page. Next I tried calling the Experian help line. I tried several different numbers. Each took me to an automated prompt system that did not have an option to release my security freeze or an option to allow me to speak with an agent/person. 
I finally searched the web and found an Experian page for security freeze. However, it would not allow me to " thaw '' my credit. I had to print out the page and mail in a bunch of documents to Experian in XXXX TX. I am not sure if Experian will notify me when my credit is accessible or if I will have to keep checking their website. 
Absolutely, terrible customer service. Of course, on their website they kept trying to SELL me on a XXXX XXXX as being better than a security freeze when in fact they do the same thing. What a total waste of my time. And this is the company that controls my credit score.

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 2017-09-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an account with American Express in XX/XX/XXXX. It was agreed that I would receive an available balance of {$5000.00} and I would repay at least the minimum payment on time. I did not activate this card until the spring of XX/XX/XXXX. I registered online and everything was fine. I began using the card in XX/XX/XXXX. My wife 's brother was XXXX XXXX and we went to Alabama to see him one more time. We had spent close to {$2000.00} and I went online after we returned to make sure we did n't exceed 33 % of available balance so we did n't affect our credit. We had n't so I made a payment of {$100.00} which was much more than the minimum payment. We are going to Oregon in XXXX and were going to use the card for that trip. I logged into my account to check the balance and to my surprise American Express had lowered my available balance from {$5000.00} to {$2000.00}. Because of their actions my credit will take a hit next reporting period and I do n't have the available funds for our trip. I have done nothing to cause this to happen. I 've never been late on a payment, matter of fact there 's only been one payment due and I payed more than what was due! I thought an agreement was an agreement. Binding on both parties not just one. I want American Express to restore my available balance back to the  agreed to amount. What they have done is at least incredibly poor business practice if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
WFHM is continually Complaint after Complaint refusing to provide a solution to problems they have created. They are trying to deny the problem which will not go away. This leaves me no choice since they have not operated in good Faith but to take this situation to the media. We will let every national, local and world media outlet let the public know that WFHM is continuing business as usual when it comes to their customers. That WFHM upper management XXXX XXXX and XXXX XXXX XXXX specifically, refuse to step up to the plate. XXXX XXXX and XXXX XXXX XXXX are continuing the practices of their predecessor, continues to put inexperienced uninformed employees on the front lineI instead of standing forward and doing the job for which they are handsomely overpaid for. We will also see to it that every consent judgement brought forward by WFHM be thoroughly investigated as to adhereance and payment to victims.

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 2021-11-04
Company: AMERICAN EXPRESS COMPANY
State: ID
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, AMEX, is currently showing 30 days late for the month of XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

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 2019-03-05
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently reviewed my credit file to find several mistakes I tried to dispute the items vis experian however they would not allow me to dispute stating the items were verified in prior disputes ... .The items in question are below and the attachment confirm my case Bankruptcy listed on file previously disputed experian sent letter stating they verified with XXXX XXXX courts letter attached from courts stating they did not and do not verify this information also the law states that public record information must updated every 90 days in this case the bankruptcy has not been updated within 90 days also FCRA 603 attached I did not consent orally or in writing to the nature and scope of this communication. 
XXXX XXXX XXXX is listed in report as a bankruptcy which is incirrect it also has a date opened of XX/XX/16 and an update date of XX/XX/16 how can you update and account that wasnt yet opened according to the report see attached XXXX XXXX XXXXXXXX same issue as the account above see attachment

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 2023-07-02
Company: Incomm Holdings Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I bought the card back in 2020 to pay for my plane ticket and days later the card was missing and just recently found it laying on the floor of my guest room I checked the balance and from {$500.00} it was on {$0.00}, I immediately called the number in the back and it was locked and said it will take 90 days but it's been too long and haven't heard any updates. It was a One vanilla visa prepaid card. It's very urgent I receive a solution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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

Account name : XXXX, XXXX. # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2019-03-05
Company: JPMORGAN CHASE & CO.
State: NV
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:
XX/XX/XXXX purchased flight ticket for {$2100.00}. The card is in my wife 's name, I am on the account. XX/XX/XXXX, XXXX  discovered a XXXX XXXX, XXXX and advised I not travel. Filed reimbursement claim with credit card company per their Trip Cancellation/Interruption Benefit. I supplied all documents requested and for the next 3 months continued to supply just one more document for 6 different requests. Such as, proof of purchase with their card, proof of purchase with their travel service, proof of no claim to airline, proof ticket had no value, proof of tax refund from airline all these requests interspersed with phone calls from me. Finally XX/XX/XXXX I received a check for {$100.00}. I called them and amazingly the first person I talked to examined the file and agreed a mistake had been made and they owed me more money. He would call me back that afternoon. He didn't. 5 weeks go by with me calling them each week asking the status. Finally they told me they were just a 3rd party and couldn't pay until the credit card company agreed and that they had sent them an email asking for resolution of the error. On the last call, XX/XX/XXXX, they claimed they still had not gotten an answer to their email and I suggested they pick up the telephone and call them. The lady said she would have me an answer by the close of business on XX/XX/XXXX and would call me, I verified they had my phone number ... she didn't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Investigation took more than 30 days

Complaint:
I sent out letters to the credit companies ( XXXX, Equifax, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
My card was charged without permission for one change and another charge which is duplicate charge I was suppose to be receiving a refund for. I rented a vehicle through XXXX for dates XXXX in XXXX XXXX XXXX On XX/XX/2022 I was in a dispute with my boyfriend who left me stranded and took my rental key in XXXX XXXX which I had called XXXX to pick me up and give me a new vehicle upon swapping vehicles since I didnt have the key at the time I was informed I would be charged XXXX for the key and taxes and once I returned the key I will be refunded my car was on debit lock so when they tried to charge card it was declined which I have attacked the XXXX XXXX said it was declined but said its ok because I have to add an extra day fee so the the total charge that day was {$810.00} which was key fee and an extra day rental fee because it was suppose to be returned to XXXX XX/XX/2022 but an extra day had to be added due to this issue. On XX/XX/2022 at XXXX at XXXX XXXXXXXX rental I returned the key I asked for a recipe the was not able to give me one so I took a picture of me giving the XXXX XXXX the key on hand with they key details so it would be seen it was for previous rental. The worker advised me I would receive a refund in 3-4 business days. I waited a week and checked my back about to find another charge in the amount of XXXX which was not authorized I called XXXX and they informed me it was a key fee at this point im frustrated because I was suppose to receiving a refund for the 1st key fee and I advised I already was charged and was suppose to be receiving a refund. The rep at XXXX on the phone had told me he could not seen the charge for XXXX dollars and after that I advised I will just dispute with my bank for an unauthorized charge and a refund charge. The bank did not properly do the claim because they upheld false charges from a receipt that doesnt details what the charges were for after I already explained on the claim I was charge 2 times for a key that I have picture proof i returned I reached back out to XXXX XX/XX/XXXX and spoke to a supervisor names XXXX who informed me he did see both charges and would issue a refund of XXXX and I would need to show proof of key return for a refund of the second charge of XXXX. He provided me an email which I sent the picture to and a week later I called to check on the refund on XXXX and if the picture was received for the 2nd refund of XXXX which I was advised XXXX did process the refund but it was rejected because I already disputed through bank and a contact they have with disputes is that it is no longer they responsibility and whatever outcome the bank gives is the final

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 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have taken XXXX to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with capital one i need a resolution the have my credit fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2020 Bankruptcy XXXX XXXX was dismissed with no proof of claims filed. 

On XX/XX/2020 XXXX XXXX, XXXX XXXX and inland capital funding claims ownership of my property. 

They claim to owned a quit claim deed that I never signed and was for XXXX. Rhe himw worth XXXX was claim to have been sold without me getting notice. This documented in Washington XXXX XXXX XXXX XXXX XXXX and XXXX. My home was stolen and attempts to get it back have been stonewalled. This is mortgage fraud and bankruptcy fraud and they still fight with me about the ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

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

Account name : XXXX, XXXX. # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have mailed dispute letters to credit bureaus and directly to GLA, which GLA never answered? According to the AG 2015 settlement agreement, all medical collections not updated within 6 months must be deleted. Since this collection has never been updated, this means a real investigation has never happened, so according to FCRA laws, this must be deleted now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i recently checked my credit report and this account by the name of Portfolio Recov Assoc appeared on my credit report. This account was added without my consent. I have no knowledge of this account. I have no relationship with this company. I have never signed up or asked for credit. This is an unverifiable account. This needs to be removed asap.

Portfolio Recov Assoc Account # XXXX how was balance determined? {$970.00} This account says its been opened on XX/XX/XXXX ive never opened an account with this company last updated XX/XX/XXXX why is this account being updated? 

why are there payment terms on this? 1 month? 

multiple errors on payment history it says i am delinquent on XX/XX/XXXX? 

but shows no data on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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