BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by ID Expert. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at 74 % which is inaccurate my revolving credit usage is currently at 50 %. Equifax is refusing to provide an explanation in regards to how they are coming up with 74 %. Both XXXX and XXXX XXXX are showing the correct figure 50 %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: NJ
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 been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

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 2015-06-26
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collector states that a bill is due from the physician. According to the physicians billing group, no bill is pending nor did they send one to collection company. The credit people calling do not have my correct address, and are asking for payment by credit card over the phone. They have not provided any information as to who the exact person/company the debt is owed to. I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After filing a dispute with Experian about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without verification

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 2015-07-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XXXX/XXXX/2015 at XXXX i visit XXXX XXXX # XXXX, they represent Money Gram, i send XXXX us dollar international to the XXXX XXXX under XXXX # XXXX, originator XXXX XXXX XXXX, to be receive by XXXX XXXX XXXX, the money until today XXXX/XXXX/2015 at XXXX shows as in hold by money gram, i try all possible options to comunicate with the company and they just place my call in hold, the XXXX XXXX XXXX XXXX me that they have no way to help me on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was in the market for some appliances and when searching for them I was told I could buy them on the sears credit card a t zero pe rcent interest. It turns out that it was n ot zero p ercent interest but rather it was deferred interest. I was hit with almost {$500.00} in interest in  XXXX  and just came of find this out after wondering why this account still had a balance. I looked through my  XXXX  statement and it looked like an ordinary statement nothing that specifically called out to pay the remaining balance on the account.     I ca n't pay an additional {$500.00} when I only owed {$180.00} on the appliances I bought prior to being hit with these ridiculous interest.     Their store associates need to be clear about how they are explaining these interest plans between deferred and zero interest.

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 2023-01-31
Company: EQUIFAX, 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 next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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.

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 2015-12-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Other

Complaint:
American Express card company threatened me to sign a form that will give American Express authority to get my TAX Transcript form IRS directly. I always file joint tax return. Tax transcripts also show the Social security information of my family that I do not want to provide social security of my wife and of my children to American express. My family are not the account holder of American Express credit cards. Please advise American Express to verify my income through my XXXX / pay stubs, but not through Tax transcripts. American Express has sent me the email ( see below ) to sign the form XXXX. I am reluctant to provide unnecessary information of my wife and my children. I want to also notify that my whole record has been hacked as per OPM notification. American Express has threatened me if they do not get the signed XXXX by XXXX XXXX, 2015, they will close my credit cards and that will badly affect my credit report ( negatively ). In future, I will not be able to get a job because of such negative entries in my credit report. I pay the credit cards amount due on time. 
XXXX XXXXXXXXXXXX XXXX AttachmentsXXXX XXXX ( 1 day ago ) to me Office Hours : XXXX XXXX until XXXX XXXX ; Sat XXXX XXXX- XXXX XXXX ; Sun XXXX-XXXX, Eastern Time Office Number XXXX XXXX American Express recently requested that you complete and return a tax form called the XXXX in order to conduct a financial review. The XXXX authorizes American Express to retrieve tax information. We find the review process to be a necessary requirement in order to conduct our business in a prudent and successful manner. 



Detailed instructions on how to fill out the XXXX are attached, as well as in the American Express Fax Cover Sheet. In order to avoid closure of the account, it is critical that this information be completed correctly and faxed back to us within the deadline discussed by the American Express representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/XXXX and was accompanied by a dispute submitted directly to XXXX. The dispute number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within XXXX days. There is no good faith effort by XXXX to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I advise HSBC XXXX that my credit/identity had been taken and noticed unauthorized charges on my card. They said I would not be held responsible, but I just received a statement with a balance of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the XXXX credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: WELLS FARGO & COMPANY
State: TX
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:
On XXXX XXXX, I applied for a credit limit increase for {$12000.00} on WELLS CARGO ACTIVE CASH CARD and was denied an extension of credit by WELLS FARGO.

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 2015-07-04
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card
Issue: Advertising and marketing

Complaint:
Chase Freedom credit card advertised 5 % cash back rewards for restaurant purchases made from XXXX/XXXX/2015 through XXXX/XXXX/2015. They did not honor the 5 % cash back rewards for several restaurants including XXXX XXXX in XXXX, XXXX, and XXXX in XXXX, XXXX. These establishments are solely restaurants and do not sell anything else so there is absolutely no reason that they could be called anything other than a restaurant. When I saw on my statement that I was not given the 5 % cash back rewards I asked them to honor their promotion as advertised, and they denied my request claiming they categorize these restaurants as 'grocery stores ' or 'convenient stores. ' This is clearly false advertising and tricking the consumer to use their credit card with the promise of receiving rewards, which are then not given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX calls himself the CEO of the Huntington group. When I questioned the bill or needed XXXX minutes to verify with my bank that I may have already paid this debt, he became irate and wanted my credit card information right now or he was taking us to court. He hung up on me XXXX and was very very unprofessional. All he wanted was my credit card information or he was hanging up. we had a similar debt around the time he did state but I paid that off so he wanted me to send me all that information. I refused because I needed to verify his company further before I started handing out my credit card information. He seemed very out of control and manic before he hung up on me for the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today by XXXX I received a collection letter from R.A. Rogers , Inc attempting to collect a debt from creditor XXXX XXXX XXXX XXXX on a XXXX account that was paid in full I believe around 2013. 
I have a concern with the collection fees with R.A Rogers {$5500.00} on this account. Please address this with R.A. Rogers this same like some kind of SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On this date XXXX/XXXX/2016 ( see attached ). 

Equifax corrected several items off of my Credit Report and deleted them. ( See attached ) On this date XXXX/XXXX/2016, I noticed that these items were in fact not deleted and also left in investigation status which has taken longer than 30 days. 

I understand from the F.T.C. that they can not reinstate things they deleted without notifying me within five days of reinstating them. Instead of filing an F.T.C. complaint I decided to directly to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I settled on a credit card balance with XXXX XXXX XXXX XXXX XX/XX/XXXX. They claim they sent a report to Equifax to ensure the account would be marked as closed. However, every month since then, for ten months in a row, the credit card has been reported again by XXXX XXXX to Equifax as " open ''. XXXX at Equifax said it was once again reported open on XX/XX/XXXX, four days ago. 

I have received multiple letters from XXXX XXXX claiming they closed this account with Equifax, yet every month they go ahead and report it again to Equifax as open and now " delinquent ''. I have written them multiple times over the last year and continue to this day to receive acknowledgment from XXXX XXXX that the card was indeed closed as of XX/XX/XXXX. Yet they continue to report it as open and now delinquent for ten months ( even though it is actually closed and not delinquent at all. ) I am being materially damaged by this continuing incompetence by XXXX XXXX - not able to get the loans I need for my business because this wrongful reporting continues, and shows me delinquent on this closed card for the last 12 months in a row. 

XXXX XXXX has shown no urgency in resolving what they have readily admitted for ten months that they have done wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
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:
In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-02-28
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view the attached items as they will show proof of my identity and proof of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Account information incorrect

Complaint:
In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Acct # 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