BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: PA
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

1

5 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 2022-12-07
Company: Experian Information Solutions Inc.
State: WA
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:
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 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 explanation
Consumer complaint received 2022-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
to whom it may concern, On XX/XX/XXXX at XXXX XXXX - i deposited a real estate transaction check at the teller desk of the local branch of Bank of America. i went to the local branch and stated to them that i have had many inconsistent and unwarranted holds on my account so i wanted to validate what hold would be placed before depositing the check. 

I was told that {$5300.00} would be held to XX/XX/XXXX at XX/XX/XXXX and {$75000.00} would be available on XX/XX/XXXX at XXXX. 
I deposited the check and was issues a client receipt with that very information. 

6 hours later, I received an email saying all funds would be held until XX/XX/XXXX - a SIGNIFICANTTLY different hold than was initially disclosed and agreed upon on a check that should not be held to begin with as it can be instantaneously verified. 

I have since then attempted to speak with managers and no one has wanted to answer any questions. nor can anyone explain to me why the change after funds were accepted at the tellers. 

i have had multiple similar experiences lately with bank of America making hold changes for no reason. i have had an EXTENSIVE banking relationship with Bank of America and have NEVER had any checks bounce or returned. 

this is both unethical and frankly illegal. i am a banking compliance officer and i am clear about the regulatory requirements. a bank can not take a check, and float it by changing the terms of acceptance after the fact for no valid reason. 

I have previously been patient when told a hold was due to the funds not clearing- which was a lie as the disbursing parties had validated funds were released. 

In this instance, I will no longer be patient while being lied to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: WA
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was approached by a girl on XXXX offering me tickets for a show that i wanted to go. I transferred the agreed amount to her boyfriend 's XXXX but she did not send the tickets afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

I also wrote to the Bureaus to remove all non associated addresses, phone numbers, employers and names : XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX, Michigan XXXXXXXX XXXX XXXX XXXX of XXXX I also wrote to them to remove the bankruptcy

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 2018-08-17
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
A relative recommended that I contact Global Client Solutions to settle two credit card accounts totaling XXXX. I am XXXX years and don't speak or understand English. When I called Global Client Solutions ( on XX/XX/XXXX ), someone set up a payment plan for the two credit card accounts. I thought that they would be paid off within 4 years. They told me to pay {$280.00} each month, and a bank debit process was done. I was mailed an Account Agreement and Application form, which was in English. There were instructions to sign where the arrow was on each document. I made payments from XX/XX/XXXX through XX/XX/XXXX. I paid {$2200.00} during that time. On XX/XX/XXXX Global Client Solutions mailed me an Account Activity Statement. Looking over that statement, I came to realize that my account balance is only {$450.00}, with no money being paid to the two credicat card accounts. The rest of my deposits went to " customer and transaction fees ''. I believe that I was taken advantage of because of my language and age. I would not have agreed to this if I understood that I'd be paying over {$200.00} in monthly fees with nothing being done to settle my debts. My only income is from Social Security, and I live in subsidized housing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the past 4 days I have been calling company to log into my account. The login continue to say unable to login. Spoke to agents for the past 4 days and said problem is fix to get me off the phone. Still cant get in so I can go over report to use my VA loan to purchase a house. Unable to renew password. No help from agents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX  Acccount # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from this debt collector saying that I owe XXXX XXXX XXXX  when I have previously disputed this debt directly with XXXX XXXX & had it removed from my credit report some years back. This company is trying to collect on a debt thats not even owed. Im requesting for them to send me information proving a debt before I even decide to pay a dime because right now my credit is important & dont need any surprise items inserted onto my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing charges that were made on my Barclay Jet blue credit card ending in XXXX at XXXX. I informed Barclay and they issued me a new credit card ending in XXXX. They have however refused to remove these charges listed here : XXXX XXXX transaction date XX/XX/2022 {$36.00} XXXX  XXXX transaction date XX/XX/2022 {$36.00} XXXX XXXXXXXX XXXX date XX/XX/2022 {$40.00} XXXX XXXX transaction date XX/XX/2022 {$16.00} I have had conversations with XXXX and they can verify that these charges were not made by me. They are not in my list of purchases and it was verified that the items were not shipped to any address in my account. I have sent this information to Barclay. I did get notification that these charges were dropped from my account on XX/XX/XXXX, but were then reinstated afterward.

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 2022-07-30
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}

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 2022-01-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo Bank XX/XX/XXXX {$240.00}. XXXX was in my account. Charges for {$230.00} came out. The bank pulled XXXX from my account, and charged me XXXX for an overdraft fee. 

XX/XX/XXXX {$440.00} was in my account. Charge for XXXXcame out. Bank pulled {$37.00}, and charged me XXXX overdraft fee. 

Both times, I wasnt negative. 

XX/XX/XXXX I had XXXX in my account. Charge for {$50.00} came through. Bank pulled out {$25.00}, and charged a XXXX overdraft fee. 

XX/XX/XXXX I had XXXX in my account. Charge equaling XXXX cane through. Bank pulled out XXXX, and charged me XXXX for an overdraft fee. 

I am not negative when these charges hit, and if I am, ita below $ XXXX.They are doing this, to make money off their consumers. I have provided 3 screenshots of my account being positive, and the bank pulling money from my savings, plus an overdraft fee. This is illegal.

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 2022-07-30
Company: Bread Financial Holdings, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent Comenity Bank a letter due to an adverse action MONTHS AGO and I have yet to receive a response what's so ever. Please see attached documents as it contains my full complaint and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Frontline Asset Strategies states on my credit report that this debt was opened on XXXX XXXX. This is a preexisting debt that was closed last XXXX This was done to further impair my XXXX XXXX in an attempt to get payment. This account has been closed for over a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: PA
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 XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX  Account XXXX XXXX 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 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 2023-03-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: NY
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 account under an open en 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 explanation
Consumer complaint received 2022-09-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called American Express to inquire about their Delta SkyMiles Gold Card which entailed a promotional XXXX Delta Sky Miles for signing up for the gold card. I was told that if I apply for the cards, approved, and used the minimum spending limit {$2000.00} in purchases within 3 months, I would receive the Delta Sky mile points. I met and exceeded all above requirements. On XX/XX/XXXX, I called American express to inquire about my XXXX Delta Sky Miles and why have not received them yet. I was rudely told by operator XXXX ( customer ID # XXXX ) that I did not receive the Sky Miles because of my American Express promotional history. I ask her to further explain, and was told its in promotion agreement and was not required to explain further to me. I explained that I have had another American Express Card for 15 years. The only reason I applied for the cards was the Sky Miles Benefit offered and ask that American Express honor its agreement and give me the miles. I am not aware or made aware of any cards promotion history with American Express that would prevent me from receiving XXXX Delta Sky Miles. I also requested that further investigation be done as to why I was denied the Sky miles? She told me she would not further investigate or was not required to, also no further detail was necessary. 
One I would not have apply for the card if before or at the time of application I was told that I was not eligible for XXXX Delta Sky Miles. I also would not have spent excess of the {$2000.00} if I told of not being eligible for the XXXX Delta Sky Miles before or after the approval. My only reason for obtaining the cards was for the XXXX Delta Sky Miles benefit. By using some credit cards calculation ( Promotional history ) that discriminated me from receiving same benefits as other members has the aroma of breaking The Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act, and Title VII of the Civil Rights Act of 1964. In any case, I feel frauded because I'm now stuck with a credit cards that I would never of applied if it weren't for the XXXX Delta Sky Miles. I have a credit debt that I was dupped into acquiring for a benefit not forfeited. I know times are hard and inflation is up but credit cards companies should not resort to fraud marketing tactics or be allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I made a hotel reservation in XX/XX/2022 to travel in XX/XX/2022 and I paid with my business credit card rewards points plus {$210.00} that was charged on XX/XX/2022 on the same card. The card ends in XXXX The reservation was cancelled due to illness and the hotel in XXXX agreed to refund all fees if we could present supporting documentation showing that due to illness we were not able to travel. 
We submitted proof to the hotel and Chase and both the hotel and Chase then agreed to refund all fees and points. The bank said it would take up to 2 billing cycles but to this date and after several calls to the credit card rewards department we have not been refunded the {$210.00} plus the interest or the points. We are hoping to reach the right department that can process the refund of all points and the XXXX plus interest Attached email from the hotel confirming receipt of supporting docs and agreeing to refund all charges. 

On XX/XX/2022, at XXXX PM, XXXX, XXXX XXXX wrote : Hello XXXX XXXX, XXXX you for the information. 
Yesterday XXXX and I had a call and I approved the cancellation of your reservation. The hotel wont be charging anything to your credit card. In case that you need a refund you need to contact directly to the third-party. 

Best regards! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX | EXT : XXXX XXXX | XXXX XXXX XXXX This communication contains information from XXXX XXXX, XXXX that may be confidential XXXX Except for personal use by the intended recipient, or as expressly authorized by the sender, any person who receives this information is prohibited from disclosing, copying, distributing, and/or using it. If you have received this communication in error, please immediately delete it and all copies, and promptly notify the sender. Nothing in this communication is intended to operate as an electronic signature under applicable law. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: GA
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 credit report agency Experian, failed to do a proper investigation for disputes I have sent to them on XX/XX/2022 & XX/XX/2022. The company has received these handwritten letters and has failed to provide me with a name, address, and telephone number of each person contacted regarding alleged accounts. I have also requested documents bearing my signature showing I have a legal binding contractual obligations to pay them the exact amount claimed owed.

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