BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
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: Account status incorrect

Complaint:
I am requesting a line by line investigation of the accounts listed below, In Accordance With the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX. 15 U.S. Code 1692b Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ; ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not use any language or symbol on any envelope or in the contents of the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 U.S. Code 1692c Communication in connection with debt collection, ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2018-11-29
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past year with this company and they refuse to honor my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, INC.
State: NY
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 on three occasions sent equifax and XXXX a POLICE REPORT AND IDENTITY THEFT REPORT TO HAVE THIS ACCOUNT XXXX CARD BLOCKED FROM APPEARING ON MY CREDIT REPORT, it is not my account XXXX bas permanent ly blocked it an deception even called XXXX and has a recorded conversation from a XXXX in fraud validating it was fraud the application provided fraud not me and equifax was notified by XXXX, i have called about 4 times a day for a month to have this escalated and i have been yessed and mis informed and my fraud statement called and gave never apearred on my account that i was a victim of fraud and was never late the XXXX account appearing on my equifax report is n't mine. Well equifax after numerous calls for months is breaking my rights .The clause and statements not on my report. Then i went and got an new police report because this discover account every time i dispute it or XXXX XXXX i hired dispute in it comes off and next month right back on I 'm its and I want my legal right s validated. Equifx has two legal identity theft reports on file with police report and I WANT THE FILE XXXX BLOCKED FROM MY CREDIT REPORT. No 81-Month Payment Data available for display. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} 120+ DAYS PAST DUE {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, DE-XXXX ( XXXX ) XXXX and XXXX police reports and identity theft reports is with equifax for months. Equifax said they accepted my reports but had to wait for the dispute process to e over to override the computer but still no nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX account # XXXX days late on XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: ACIMA CREDIT, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I invoke my rights as a consumer. 

A bureau can not furnish something that they did not receive written consent from the consumer to furnish. 

I never gave XXXX, XXXX or XXXX written consent to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, Experian, XXXX, XXXX has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.

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 2018-11-29
Company: ZIONS BANCORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with zions bank around XX/XX/2018. The first issue was that a mobile check deposit that was given to me as a birthday gift for XXXX had been rejected. I had called customer service to ask why, and she said that since I was a new customer that I was unable to deposit checks. The funds cleared a few days later. Around XXXX, I had a payment for a credit card payment for XXXX bounce with no notice. On Wednesday the XXXX, I had went to the XXXX XXXX branch to attempt to close my account. The Teller said I had a block on my account and didn't know why. She was able to call someone in the back office to get the funds released. I ask her to close the account but she was unable to nor was she helpful at all. On XX/XX/XXXX, I logged in to my online banking and see that the XXXX is apparently still there when I took it out on Wednesday!

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 2022-08-03
Company: National Credit Adjusters, LLC
State: VA
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:
This Credit Company has repeatedly submitted incorrect information on my XXXX report as well as my XXXX report claiming I opened an account with them, I have no knowledge about this account as I disputed this error many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
Equifax has failed our client, XXXX XXXX on two levels, as a victim of identity theft. 

Since XX/XX/2022 we have submitted FIVE requests for them to add the Extended 7-year fraud alert and yet, they still only have a one year alert on her credit files. XXXX and XXXX added the alert in early XXXX. 

Also, we have submitted THREE disputes against a fraudulent inquiry ( XXXX XXXX XXXX ), and yet they continue to report this inquiry. Please note : XXXX has seen over and over again that Equifax is failing to remove any disputed inquiries by XXXX regardless of how many disputes are sent against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
ITS BEEN 30 DAYS SINCE I SENT THIS DISPUTE IN REGARDS TO MY CONSUMER REPORT THAT IS tremendously REPORTINIG INACCURATE WHICH IS A VIOLATION OFN THE FCRA 15 USC 1681a CONGRESSIONAL FINDINGS.ALSO I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681b ( PERMISSIBLE PURPOSE )

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 2022-12-25
Company: EQUIFAX, 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:
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- XXXX XXXX XXXX Account XXXX... 
XXXX XXXX XXXX Account XXXX. 
XXXX XXXX XXXX XXXX- Account number- XXXX .... 
XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account XXXX ALL LISTED COLLECTIONS HAVE 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 an 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 Another 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.

[ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) XXXX DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO EQUIFAX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT.

[ 15 U.S.C. 1681 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo has caused irreparable damage to my credit score. They misapplied payments, misrepresented fees/interest, and continuously mishandled my account with them. Everything started early 2020 and continued thru the next few years.

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 2019-10-19
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was contacted by an American Express ( AMEX ) telemarketer in XX/XX/XXXX/XX/XX/2018 with a promotional offer for a credit card for my business 's. I was offered a large amount of reward points and a low interest option. 
I was offered to open up multiple accounts accompanied with more incentive options. I was encouraged to add employee cards to my AMEX account For this promotion there was no credit check. No spending limit. I was simply told that I had to pay off the balance I spent every month. 
The card was supposed to give me working capital that my business needed to survive. 
AMEX sold me on what was supposed to be a great opportunity. 
Everything was going as planned and then out of nowhere my account was put on hold. None of my credit cards would work. I called AMEX and they wouldn't give me a reason why. They just said in order to keep the account open I had to provide all my tax return records. I asked why and they said that is what was needed. I opened the account because I was not interested in getting my credit and records pulled. They baited and switched me. 
I never missed a payment. I paid the entire balance off every month as agreed. I did everything as agreed. 
So my Accounts and credit cards were cancelled. I lost all my rewards points. 
I was never given my original promised promotional offer of rewards points. 
I was left with a large balance at 20.24 %. 
AMEX conned me into signing up for their program. American Express deceived me. Then cancelled my accounts. Charged thousands of dollars in interest. I was put in a position where if I paid off the large balance, I would not have money to survive. Normally, I would pay off the balance and then I could use the AMEX card to spend with. 
I tried multiple times get the fixed but AMEX would not be doing anything until they got my tax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past 2 years with this company and they refuse to honor my requests. This agency increases the best by a dollar each week to ruin my credit when I have contacted them several times to remove this debt. 

They have conducted in a unprofessional manner and illegally collecting on a debt and increasing that debt twice a week to damage the debtors credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The American Express Serve and Bluebird services have been down almost 24hrs crippling thousands of people 's access to their funds. This is happening frequently now. The company refuses to provide any updates other than " we're working to fix as soon as possible ''. Again while thousands of people are left with no financial access. How do we hold such a large institution responsible?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
HEALTHCARE RECEIVABLES GROUP are using name, address and Social Security number for ordering money fraudulently, and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is I have not authorized any use of this information for money order and they're causing defamation of character, they are continuously doing this action every other month or more. 
I have had a conversation with XXXX XXXX XXXX XXXX and XXXX XXXX and even XXXX XXXX however they continue to do the same thing over and over. 
HIPAA stands for the Health Insurance Portability and Accountability Act, and it is a law that was enacted in XXXX  that protects patient confidentiality, makes it easier for individuals to keep health insurance and provides security measures for confidential health care information, according to the state of XXXX XXXX XXXX XXXX. HIPAA also helps to control administrative costs within the health care sector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Best Buy Credit Card Purchased an item XX/XX/15 for {$780.00}. On the purchase screen I was asked if If would like " 5 % rewards back '' or " 18 months no interest ''. I chose " 18 months no interest ''. I received a bill this month with {$410.00} in DEFERRED interest charges. The screen never said DEFERRED. It said " NO ''. Biggest scam I have ever seen in my life. They purposely worded it to misleading. They are running a SCAM.

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 2017-08-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 I received a letter from National Credit System , Inc stating that the account with a balance of {$1300.00} is owed by me, I know of no such account and I owe no such amount. I 've tried to disputed the account with the collection agency to rectify this issue and they are still reporting this ridiculous information and damaging my credit on all 3 credit bureau. Apparently this is some sort of leasing agreement which I have no knowledge of or ever resided at. Along with that they sent me documents with a signature that is clearly not mine. This is not my dept and I will not be compelled and I refuse to send them any documents or identification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Every other Tuesday I get my paycheck deposited into my bank account at PayPal. This Tuesday my check in the amount of {$1200.00} was not showing up. I called PayPal and they said they needed to submit a support ticket to their engineers because they were having problems with direct deposit. I asked how long it would take and they said that there is no timeline. I've already incurred a {$70.00} late charge and returned payment fee from another company for a credit card payment that didn't go through. PayPal 's mishandling of my paycheck has cost me personally and will continue to cost me if not resolved promptly. My rent is due and I need finances to commute to work. PayPal isn't being helpful at all and acts like this isn't a big deal. I feel there is no true escalation to resolve the problem, just pacification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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. I have never give any written instructions or consent to have my information published publicly.

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 2018-11-29
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Adler Wallach & Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AWA COLLECTIONS KEEPS CONTACTING ME. THIS WAS A REPO DONE BACK IN XX/XX/XXXX/XX/XX/XXXX. CAR WAS SOLD AT AN AUCTION AND SOLD TO ANOTHER DEBT COMPANY. NO LONG AFFILIATED WITH THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. The information listed in attachments below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It may be the result of identity theft. Please block and remove them, pursuant to section 605B of the Fair Credit Reporting Act. 

Please see the attached

Company response to consumer: Closed with explanation