BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: AR
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 XXXX, XXXX XXXX! I call and send dispute letters. 

XXXX  XXXX, XX/XX/2022! I called and sent dispute letters. 

XXXX XXXX XXXX, XXXX XXXX I've sent dispute letters and called them.

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 2019-03-27
Company: Regional Processing Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX subimitted as additional to Complaint filed on XX/XX/2019. 

United States Post Office says company published address XXXX XXXX XXXX  XXXX XXXX, CA XXXX is an invalid address. 

XXXX XXXX XXXX XXXX list the following information about the collection : XXXX was not able to locate a business registration for Regional Processing Group, LLC in XXXX XXXX or with the State of California. We reached out to the business requesting this information but the business did not respond. 

Regional Processing Group, LLC does not advertise a physical address but only a PO Box that XXXX got returned mail from. 

XXXX urges caution when engaging in business with a company that does not have a valid physical address or that you can not verify its registration.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: AL
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 XXXX  account # 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 that a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Blackhawk Network Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a {$100.00} rebate card for a purchase made in XX/XX/XXXX from XXXX. Card is issued by XXXX. The card has an expiration of XX/XX/XXXX. I called the bank on XXXX to get a new card issued, however they proceeded to tell me that the balance is forfeited because the card was not used. I don't think it is legal for them to do that - I read on the CFPB that gift cards are good for 5 years. 

I opened a claim to have the balance reinstated and a new card mailed out. The representative told me someone would get back to me within a day or two and that was 9 days ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2017 I filed a complaint with Bank of America after there was a fraudulent transaction was made on my account in which {$350.00} were withdrawn through a teller transaction that occurred on that same day. I explained to the fraud and claims department that I had visited XXXX XXXX XXXXXXXX the weekend prior and I had visited several businesses where i used the card and had also utilized an ATM. I did however still have the card in my possession. After investigating, Bank of America chose to deny my claim saying that both a debit card and correct pin were used ( even though i still had the original card in my hand at the time of the fraudulent transaction ). I appealed the decision and by XXXX my appeal was denied once again. After looking through various governmet resources and statues, it seems that my situation warranted for me to only be liable for a maximum of {$50.00}, however, Bank of America has chosen to ignore their responsibilities in keeping their customers data and financial holdings secure by allowing the illegal and fraudulent copy of a debit card to be used in a teller transaction without any form of scrutiny whatsoever.

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 2023-04-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me generally 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 has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antidates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2022-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery keeps calling my cell phone several times a day through the week. I have called them back and spoke to them about recently having a XXXX XXXX Bankruptcy Discharge. The person told me she could see it and said he would talk to her manager about taking me off the call list. That was about a month ago and I still get repeated phone calls several times a week and throughout the day.

The debt was when I was around XXXX  years of age and I am now XXXX  years old. The statue of limitations in the State of Oregon where I am a resident is 6 years on collecting a debt. 

The company needs to cease and desist from contacting me once they receive this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Franklin Collection Service, Inc.
State: CT
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:
On XX/XX/2019 Franklin Collection services reported a derogatory remark on my credit report for a collection of XXXX dollars. The original creditor was XXXX XXXX. I later learned it was my ex wife who open the account under my name with out my consent. I called Franklin collections to resolve this and get this remark off my credit report because I’m currently try to purchase a house. The told me “ pay the full price and we will remove it or pay partial and won’t take it off the credit report. I was met with rudeness and unprofessionalism. I have told them I had no knowledge of this account to which their response was rude and unsympathetic. I need this removed off my credit report and I’m even to pay a partial of the collection considering the account was open with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 my wife and I were trying to make a XXXX XXXX XXXX XXXX purchase for prescription medication using our Chase debit card. If this purchase wasn't made, we would have to go to the XXXX XXXX. I called Chase at XXXX and spoke with XXXX. We were being declined because our daily limit was {$5000.00} and the purchase was for {$5300.00}. We had over {$7000.00} in the account at the time. XXXX de-activated the card we were trying to use and refused to help us raise the daily limit. She told us that there was nothing she could do to assist. 

I filed a complain with Chase but have not received a response. Chase 's complaint tracking number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
A drop in my credit suddenly appeared on three credit reports, Equifax, XXXX, XXXX showing a delinquent charge on an account that does not belong to me was. It was placed on my credit report wrongfully. I discovered this through an invoice being sent to me with a bill for XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX I do not have a XXXX XXXX XXXX account. The purchases on the fraudalen card were made in XXXX XXXX I live in XXXX. I am now aware that my identity was stolen apparently with the intention of opening up a credit card at the XXXX  XXXX XXXX using my name. It may have been stolen to be used for even more nefarious ways. I do not know how these people or person obtained my SS number or address. This has impacted my credit significantly in a very negative way. I have reported this to the XXXX  XXXX XXXX, law enforcement, SS Admin. and the local police. I have reported it to each credit agency, and my own bank, XXXX. I hope you can help me fix this problem and have my true credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This regarding to XXXX bank. This credit card company has withdrawn money from my checking account with out my authorization. This happened already twice and they are trying to blame me that I made that transaction. They are an scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX : XX/XX/XXXX Account number XXXX XXXX XXXXXXXX : XX/XX/XXXX Account number XXXX XXXX XXXX XXXX : XX/XX/XXXX Account number XXXX. 

XXXX of XXXX : Date, XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXXXX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

Inquiries made on TransUnion by XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Inquiries made on my XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

These inquiry and accounts are fraudulent and are unauthorized. These accounts and inquiries are being reported fraudulently on my consumer credit report companies XXXX, TransUnion, and XXXX. And I am requesting and immediate Removal/Deletion from my Consumer Credit Reporting accounts . And i issued a cancellation and recessions that have yet been responded not to and I am also requesting a full refund for all accounts that took payments from my personal accounts. A full refund is requested immediately from all companies due to unauthorized transactions on accounts and fraudulent transactions that resulted in return payments and payment adjustments and closing of the accounts without my knowledge or consent. Companies fail to meet agreement terms and fail to protect my accounts.

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 2022-05-02
Company: EQUIFAX, INC.
State: OR
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:
Good Afternoon, In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: WA
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: Problem getting your free annual credit report

Complaint:
I am attempting to get my Experian annual free credit report, however every time I enter my information I get a response of : " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX '' This error comes up immediately after I enter my personal information before I am asked the verification questions.

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 2019-03-27
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The information presented in this complaint is in addition to complaint number XXXX - XXXX, because I meant to add these documents with the first report. These documents will support my attempts to communicate with LexisNexis to resolve the issues : On page XXXX of the credit report dated XX/XX/2019, LexisNexis is reporting my license number wrong along with other inaccuracies. 
On page five of the credit report dated XX/XX/2019, which is the report that suppose to show corrections, that page shows a wrong social security number ; wrong addresses, and misspellings of my name. 
On page one of the credit report dated XX/XX/2019, I have highlighted LexisNexis statement whereas it says they have contacted the XXXX XXXX Bankruptcy XXXX regarding verification, and thus the report is accurate. To this end, I am told to 'please contact the court 'directly ' if they need to update their records. ' The documents that I will include will show that I did contact the court directly, and copies of my drivers license ; social security card, mail that shows my correct address and the spelling of my name - copies of which I also presented to LexisNexis in my quest for correction/deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me XXXX XXXX XXXX XXXX- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX  AUTO ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX  BANK AUTO XXXX ACCOUNT # : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX CO ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX ACCCOUNT # : XXXX DATE FILED : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$760.00} ; 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 non-monetary relief
Consumer complaint received 2021-07-22
Company: U.S. BANCORP
State: PA
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 card from US Bank that I did not apply for. Not only did I not apply for it, it came in a last name I have not had for almost 20 years. The last name is no longer used as I divorced. I called US Bank to attempt to report this situation. I was asked my social security number, my date of birth, the debit card number received and my legitimate credit card number I have with US Bank. When I was asked my login for my credit card, that is where I drew the line. I should have stopped giving the other info sooner, but I figured it was my credit card company for about 12 years, they must be asking for legitimate reasons. I then asked to speak to a supervisor. I was told no supervisor was available, but when one was, I would receive a return call. I never received a call back.

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 2018-02-07
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/2018 I received an email solicitation from Chase with a promotional offer to file my taxes using XXXX XXXX website. In the advertisement it advised me that being a chase customer I was entitled to XXXX $ fed and XXXX $ state filing, all I had to do was click the emedded hyper-link. As I typically used tax act and paid XXXX-XXXX $ to file I decided to take them up on the offer. After the completion of filing I was advised I owed XXXX XXXX {$80.00}, I carefully read the original email to see if there was a promotional code to be entered, however there was not. After spending a great deal of time preparing my filing I decided to pay the fee and then call Chase customer service the next day. When I called chase I spent nearly 40 minutes on the phone only to be told, # 1 I shouldn't be getting the email in question because I am not in their " targeted zone '' # 2 if I wanted to see any reimbursement or resolution I needed to prepare all my documents and manually mail them to an address in XXXX, DE. I then told the customer service rep that I feel my only recourse is to take this occurrence to the CFPB she offered to refund me 6 months of interest in a statement credit as a compromise. As I figured that would take my total out of pocket expense to {$40.00} XXXX  {$50.00} I felt that was fair. Now over 2 weeks later that credit never appeared and that is why I am filing the complaint.

Company response to consumer: Closed with monetary relief