BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
While Im the mail I never received my card so Im guessing someone stole it I only have access to the online part but someone has access to the physical card that they stole on the mail now American Express says theres nothing they can do about it which is really messed up because I lost {$3000.00} today it was supposed to be a gift for my mother because shes at the hospital but now I have nothing for her but I called the company and they were really rude and telling me to call the merchants which I did and they told me to call the financial intuition but AMEX doesnt do anything Or help they treat their customers so bad these are the transactions : Credit transaction - XX/XX/XXXX eastern standard XXXX In their time XXXX # 1 XXXX XXXX  {$1000.00} XXXX XXXX Gadget gone {$600.00} XXXX eastern standard time XXXX service desk XX/XX/XXXX XXXX XXXX service desk {$50.00} eastern standard time {$32.00} {$15.00} XXXX service desk XXXX XX/XX/XXXX - according to XXXX the customer representative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-11-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a consumer of the United States and CB/victoria secret is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are falsely representing my character because they are accusing me of an alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XXXX/XXXX/202. Stating all the violations and harm, CB/victoria secret has committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Personal information incorrect

Complaint:
I have lived at my current address since XX/XX/XXXX. All of my accounts are tied to my address even previously opened accounts yet Experian still have a po box and my previous home address still listed on my credit report stating that creditors supplied that address. Never lived at a post office box and havent owned my previous home since XXXX. Remove those outdated addresses

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 2021-11-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : WELLS FARGO BANK CAR ***** Opened Date XX/XX/XXXX Balance {$180.00} // Charge Off WELLS FARGO CARD SER ***** Opened Date XX/XX/XXXX Balance {$870.00} // Charge 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 2021-11-02
Company: EQUIFAX, INC.
State: SC
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Pathfinder Credit Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An account with pathfinder credit services is showing on my credit XXXX & XXXX  credit report when it is showing fraudulent charges XXXX  has removed the debt collection and secondly I dont even know who that co-signer is! The amount is XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX  servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was told a hold had to be placed on a payday loan check I deposited because the account was not with their bank and they had reason to believe the check would not be paid. The check would have a 7 day hold. I have never had any fraudulent activity on my account. I called customer service and was told that they would work to verify the check so the hold would be removed. I called the day before the hold was to be removed to see had the check been verified and they said yes. If the check was verified, I dont understand why their still holding the funds saying it wont be paid. I was told there is a system hold on the check and they cant remove it but the funds will be released on the date I was told originally. I just dont understand why a check would still be held if they verified the funds are going to be paid. It doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: JPMORGAN CHASE & CO.
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:
Chase XXXX Reward card was activated in my name without my consent. Card # XXXX Phone # XXXX. There was also {$49.00} billed to the card. I have called the credit provider several time over the last month & no one will address my concerns. 

The address used by the person who activated the card was : XXXX XXXX  XXXX XXXX XXXX, Co. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
There are incorrect addresses and misspelled names on my credit report that i asked to be removed well over 30 days ago and yet they still appear there

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 2019-11-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen some opened a business credit card on my name from Bank of America. 
Enclosed is a copy of my ftc identity theft 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 explanation
Consumer complaint received 2019-05-03
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
KNIGHT ADJUSTMENT BUREAU I asked to politely speak to the supervisor myself. When I was transferred to XXXX one of the supervisors from Knight Adjustment Bureau ... I explained to her what my circumstances have been for the past few years & now I am willing & fully capable of settling this debt in full because I genuinely want to change my current & past situations into a positive financial future for myself & family. I asked her politely to consider requesting to remove the debt from my credit report, which would remain on my report for another five years. Whether I paid in full or not. & XXXX the supervisor said in a sharp, direct voice ... '' I will not request to delete or remove this from your credit report because it needs to stay there to show the world what you have done & what you have failed to pay over the last few years. '' I then asked her how she wouldn't be willing to help me when I'm taking full accountability for my debt & are trying to he best of my abilities to better my future. Still, she was extremely adamant on keeping this minor debt of {$130.00}, even if it's states paid in full, on my credit report for the next five years. Then she belittled me by saying, " You could have sent us {$5.00} a month for the past two & half years if you were so serious about taking care of your debt. '' I guess she has no compassion for humanity in any shape or form. Here 's to America 's helping to make other Americans successful in this country. I wished her well & told her that I hope XXXX will bless her. People like this are the horror of this entire world. XXXX the supervisor for Knights Adjustment Bureau ... I hope you're able to sleep peacefully at night with yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account is attached to my XXXX account. My XXXX account was hacked and there was a XXXX charge made in XX/XX/2017. This caused me to have 5 overdraft fees. I notified Chase and they reversed the fraudulent charge. They sent me a letter 2 weeks later saying that they were taking my reversal back and adding the charge back to my account. This is unfair and I need help getting Chase to reverse the charge to my account that I didnt authorize and give me my XXXX plus the XXXX insufficient fee funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: WELLS FARGO & COMPANY
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-13
Company: JPMORGAN CHASE & CO.
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
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 submit a mail certified letter to Toyota on XX/XX/XXXX explain whats going on with this car loan the is not supposed to be on my name I want them to reside this debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2017 BANK OF AMERICA - I was a victim of a check fraud scam ( from a guy I went to High School with, told me he registered for college in Florida and then moved to XXXX, XXXX and that they college would not send the check there, he needed someone to accept the check and pay his XXXX account ). ( I wasn't working many hours, and needed the extra {$100.00} he was going to let me keep out of the check amount, thus I fell for this scam ) and they will not remove the red flag they have put onto my name. I wrote them, with full description of what happened, the persons name of whom scammed me ..and they sent the rejection letter to my old address and were rude about getting me a copy of the letter after not looking into it. They received my letter and within 1 day refused and rejected my request without explanation.

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 2023-07-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear XXXX XXXX XXXX XXXX, I am writing to demand an immediate cease and desist of all collection activities related to the alleged debt associated with account number XXXX & XXXX. I also request that you remove this fraudulent account from my credit report within four ( 4 ) days of receiving this letter. Failure to comply will result in litigation for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated this alleged debt, and my failure to dispute its validity does not imply admission of liability. I have not received any documentary evidence, such as a trilateral contract, establishing your right to collect on this debt. 

Your furnishing of this alleged debt to my consumer report without prior validation violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This constitutes fraud, including the violation of 15 U.S. Code 1692d ( 4 ) ( debt parking ). If you can not provide proof of a lawful validation attempt before furnishing this debt on my report, it is evident that this account has been fraudulently furnished to harm my financial reputation. 

I hereby refuse to pay this debt under 15 U.S. Code 1692c ( c ). I demand an immediate cease and desist of all illegal activities, including communication and collection efforts, until you can provide sufficient documentary evidence establishing my legal obligation to pay. Failure to comply will result in litigation for actual damages caused, and you may be held criminally liable for aggravated identity theft, extortion, theft by deception, securities fraud, and mail fraud. 

Upon receipt of this letter and accompanying documents, you are hereby notified pursuant to UCC 1-202f. I expect your prompt attention and response to this matter. Please provide a written response within four ( 4 ) days, confirming the cessation of all collection activities and removal of this fraudulent account from my credit report. 


Thank you for your immediate attention to this matter. 

Sincerely, 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 2019-09-26
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: Old information reappears or never goes away

Complaint:
Experian credit report continued to erroneously place a collection account ( which was never mine to begin with ) on my XX/XX/XXXX to XX/XX/XXXX credit reports. The alleged collection was reported in XX/XX/XXXX and was due to be removed by XX/XX/XXXX-that did not happen. The amounts on my report show collections of {$500.00} and {$4800.00}, both of which I do not owe and yet for the past 8 years Experian has had this collection account on my record. In XX/XX/XXXX I paid a credit repair service to correct the matter by placing a statement on my report and Experian still did nothing to remove the account.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: SC
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 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX XX/XX/2021

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 2023-06-15
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX XXXX XXXX Bankruptcy XXXX Reference # : 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 2022-12-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Hello, I do not have an SSN ; I only have an ITIN number. But in your credit report, you're showing an SSN that's not mine. 

Could you make this correction? Thanks

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