BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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:
FCRA requires accurate reporting. The account XXXX opened date is different on all three bureaus. The account shows a charged off amount and amount due, which is illegal. The payment history is inconsistently reported as well. The high credit amount is reported differently to all bureaus. The amount due is reported inaccurately and inconsistently. Activity dates are also not reported consistently. Account status is not accurate with all 3 bureaus. Account comments are inconsistent and inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Information belongs to someone else

Complaint:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit 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 non-monetary relief
Consumer complaint received 2023-03-26
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:
Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is sharing my information without my consent to insurance companies, this is illegal, and also in accordance to the FCRA law I would like to clear my report from any adverse action that are making my premiums high.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
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 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-04-10
Company: SECURITY FINANCE CORP
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 is missing that should be on the report

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AMERICAN EXPRESS COMPANY
State: IN
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:
My last 3 late payments occurred over 7 years ago and I noticed that its still affecting my scores. Please try to remove them due to the age. Ive waited for them to drop off. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: CITIBANK, N.A.
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:
I paid this off XX/XX/2023 and it remains on my report and no help when it is being disputed on credit services website

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 2023-03-26
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
Got a loan through credit acceptance. Come to find out my down payment never came off the price of the car. Car broke down and theyve been reporting the loan as open for almost four 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 2023-04-10
Company: Chime Financial Inc
State: MO
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/XXXX at XXXX XXXX  Central time I have received multiple texts and emails with a chime one time code and then boom! My phone number was changed and then another saying I had sent {$2400.00} to a XXXX XXXX. I have never in my life met this so called individual as well as never seen the phone number they used. I immediately contacted chime, attempted to gain access to my account and was not able to. I literally had to send in screenshots of myself and me holding up my ID. Then is when I was able to gain access and file a dispute. The agent I spoke with had said, " If then funds are pending we can cancel that transaction and put the funds right back into your account. '' This was not the case at all, as I then got another email the day after XX/XX/2023 stating no fraudulent activity was found. I again called them right away and explained they were 1000 % incorrect. They reopened the dispute again. Then boom another email XX/XX/XXXX regarding the same exact thing. No fraud was found. Again I called spoke with a dispute supervisor this time and again had to repetitively explain myself regarding this dispute at hand. This was again reopened and again on XX/XX/XXXX another email saying no fraud has been suspected. Again I call and speak with a second dispute supervisor and again explained myself. Reopened this dispute and again same thing come XXXX XXXX. 
Keep in mind XX/XX/XXXX I send them 3 screenshots of the text and emails I received, one was the code and phone number changed to gain access. Two was the email of the phone used to get in and three was the email regarding I had send them {$2400.00}. I had also explained to them that on XX/XX/XXXX or XXXX I changed my address in the app and after that I was getting text messages giving me a one time code to change my password to not share it. I then deleted those as no I was not attempting to do such thing. Then boom! Come XX/XX/XXXX when I was clearly asleep at XXXX XXXX  this scammer got in and transfer all my funds. 
This has created such a horrible hardship on me as I have lost my job and was relying on my funds to make ends meet while I seek out new employment. I am on the verge of losing my housing, going to food banks and trying to get help with gas for my car with XXXX children and becoming homeless because Chime is not doing there due diligence in a correct manner. Chime also sent me emails saying there disputes take up to 45 days and my case will be concluded as of XX/XX/XXXX. They have a credit they can offer with in 10 days if found fraud was conducted. This has not been the case as I have received these emails with in 1-5 days regarding no fraud was found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Self Financial Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been going back and forth with self.inc about my pay out but they keep trying too tell me I need too give more bank statements too get my pay out but I already provide my most recent bank statement ( just like there email says ) valid id, ssn, and a picture of my holding up my id which the law does say for me too properly id myself I need too give too forms of id which I have already done but they still tell me I have too do more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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 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 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Global Lending Services LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account name : Global Lending Services Account number : XXXX Date opened : XX/XX/2022 Original balance : {$33000.00} Balance : {$36000.00} Responsibility : Joint with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
Made a payment in mistake of {$1000.00} to American Express Credit Card ( XXXX ) taking care by XXXX on XX/XX/2022 from my XXXX XXXX  online account. That card was already closed. 

I put this issue to XXXX XXXX  at least 3 times and they said transaction is completed and money paid to American express. They are not giving me complete info. 

I contacted to American Express and they had no knowledge of that money, either by card number nor social security number. Remind it I have an active American Express card and I paid its bill of same amount of XXXX on XXXX XXXX in separete transaction. 

I also contacted with XXXX XXXX  many times and they also had no knowledge as well. 

End result I paid an amount to expired or closed account from XXXX online account and have no trail of money. I should get my money {$1000.00} back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: AL
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:
Completed a disputed through Experian back on XX/XX/XXXX for an account that was reported as a charge off from XXXX  XXXX XXXX, this credit card that was opened back in XXXX was a secure credit card and the balance was paid off completely in XX/XX/XXXX and reported closed and paid in full XX/XX/XXXX. Please have this account updated and current dates that shows charge off removed from my credit file immediately. I disputed this information and both XXXX & Experian refused to provide me any proof of the investigation that could verify why this is reporting on my credit file incorrectly after 43 months of no reporting until i disputed this item in XXXX of this year. I only found out about this misleading reporting by denial of a loan through XXXX and XXXX XXXX XXXX. I have spend a total of XXXX hours on the phone with XXXX and XXXX different customer service reps from Experian that refused to send my call up to a supervisor when they could not help. the XXXX would simply hang up on me. All calls to both companies are about XXXX minutes after long hold periods of more than XXXX minutes per call and XXXX to XXXX minutes constantly repeating yourself.

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 2023-05-22
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REPORTED AS LATE. 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-03-26
Company: Experian Information Solutions Inc.
State: NC
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 have previously disputed these claims in which they were removed from my credit report. 
Complaint XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 These accounts are back on my credit file and the credit reporting companies are refusing to delete them back off. They are misusing my credit and ruining my credit reputation. In accordance with the fair credit reporting act have violated my rights. 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: IA
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:
Two incorrect addresses are appearing on my credit report even though I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested Experian remove this incorrect addresses, but they refused to remove this incorrect information from my credit 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
My wife and I had applied for American Express. We received those cards and pay about {$500.00} a year for the card.. While using one of the cards a Platinum card we were sold all the benfits of using an AMEX card that you could use to earn rewards and points but using these points was very difficult and at times inaccessible especially when AMEX for no good reason suspended charging because their system says it needs to be reviewed. 

We switched everything over to AMEX including auto pay and then when we had available credit AMEX then cut off the card in the middle of travel and said that it needed financial review. Financial review that started on a Sunday. We completed the financial review and they lifted the suspension. The first time. 

We had never had a late payment. On the charge card Platinum my wife was the responsible party. AMEX continued to tell me I was not finacially liable. 

But today on my XXXX XXXX card they suspended my card because of another account for the Companyu I worked for styating because of my association with " other cards '' that they had to complete financial review and suspended my persdonal card because of the Company card not being paid correctly. My available credit showed I had enough spending to continue to use the card but it was suspended, and I was adivsed this on a Sunday today. 

Now AMEX said that my card was suspended because of my association with another card not in my name but by the Company I worked for now holding me responsible from my XXXX XXXX XXXX XXXX for a card I am not responsible for. 

AMEX has continually suspended charges when there was no reason to do so and has done this to me numerous times while traveling leaving me in a lurch and causing significant expenditure of time and delay in completing travel. 

Also having to go to over 20 autopays that were loaded using the card has now jeopardized my payments to other creditors since I used the AMEX as an autopay item. 

They sell you in their marketing how easy it is to use AMEX and how helpful they are but all this hype is nonsense and I have never been treated like this by any other card issuer. 

I have been a member of AMEX since 2006 and it means nothing.

Company response to consumer: Closed with non-monetary relief