BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2019-02-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed by being sent fraudulent checks through email that I would print out and deposit in my bank account. The first check was worth XXXX . The second check was worth XXXX . I was then told by a scammer claiming to be a XXXX  XXXX XXXX professor which is the university I attend to purchase 4 XXXX XXXX Cards, the first one worth XXXX , the second one worth XXXX $ and the third one worth XXXX $ and the fourth one worth XXXX $ which equals a total of XXXX . I would then take a picture of the codes on each and send them to the scammer. The first check I deposited got rejected which is how I found out it was fraudulent. The reason why I did all this in the first place was because I applied for on-campus jobs through an app called XXXX XXXX which is an app for students who are interested in having an on-campus job or doing an internship related to their major so I assumed this had something to do with one of the jobs I applied for especially given the fact that they were claiming to be one of  the professors at my university. 
I have attached the codes of all 4 of the XXXX XXXX Cards I purchased as well as the amounts of money that were deposited in my bank account via the fake checks, the money that was taken from my bank account because of the first fake check as well as the amount of money I purchased on the XXXX XXXX Cards.

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 2023-10-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to MB FINANCIAL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES-BENZ FINANCIAL SERVICES 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: JPMORGAN CHASE & CO.
State: NC
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 stayed at a XXXX XXXX XXXX for 2 nights. I had points and certificates for 2 nights free and would only be charged for incidentals, tax, parking. The person checking me in confirmed this. XXXX XXXX also confirmed this. When I checked out they charged my card correctly for the incidentals, tax, and parking for {$120.00}. Then, the next day, they charged me {$210.00} for a night 's stay. I have contacted the hotel about 8 times and can't get anyone to respond, and I have called XXXX and Chase. XXXX said I have to dispute the charge with Chase. Chase says they can't help me after spending XXXX minutes on line with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: Early Warning Services, LLC
State: MN
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: Problem getting your free annual credit report

Complaint:
I want Early Warning to mail me a complete copy of my most recent consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my continued frustration and disappointment regarding the unresolved inaccuracies in my credit report despite numerous attempts to rectify the issues. 

I have diligently submitted correction requests for the following discrepancies : Despite multiple efforts to address this matter, my credit report persistently displays a late open account that does not accurately represent my financial history. The account in question is inaccurate. I urge you to conduct an immediate and thorough investigation to correct this persistent misinformation. 

The credit report inaccurately reflects a charge-off that I have disputed on multiple occasions. Despite providing detailed information and evidence to support my case, the erroneous information remains on my report. I demand an urgent and meticulous examination of this matter, followed by the prompt correction of the inaccuracies associated with the charge-off. 

These inaccuracies are not only adversely affecting my creditworthiness but are also causing significant distress and frustration. I have made multiple attempts to address these issues, and the lack of resolution is deeply concerning. 

I insist on a comprehensive and expedited review of the matters mentioned above. Please provide me with a detailed explanation of the steps taken to correct these inaccuracies and a clear timeline for the resolution of these persistent disputes. I am asking for your assistance to correct the following accounts : XXXX XXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/2020 Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: DISCOVER BANK
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the creditor direct since I saw incorrect information on my status. My account is up to date as I was informed twice by them. They refuse to update my account. I have been disputing this account for going on two months. I have sent them letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
I have inaccurate personal information that doesn't belong on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023, I went to order a gold necklace from Bloomingdales.com. The order # was XXXX. 

TheBloomingdale's.com website entices customers to open a Bloomingdale 's store credit card and receive 20 % off their order. The exact wording is below and demonstrated in Exhibit # 1 : " Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to a total savings of {$250.00} over the two days ). '' EXHIBIT # 2, also on bloomingdales.com again promises consumers this 20 % off their order if they open a credit card : " Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to total savings of {$250.00} over the two days ). '' EXHIBIT # 2 : https : //www.bloomingdales.com/my-credit/gateway/guest I applied for the bloomingdale 's credit card the same day and was approved. I repeatedly asked the company why my 20 % discount had not bee applied and I was told it was because I provided another credit card for the purchase. However, the website requires consumers to enter a back up credit card. The marketing is deceptive, tricky, unclear and vague

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 2023-11-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a dispute with XXXX regarding the derogatory credit reporting from this creditor. XXXX XXXX XXXX responded to XXXX advising that the file was accurate and correct and no action will be taken. I respond back to XXXX XXXX XXXX in which I submitted a request for Verification of Debt which they received on XX/XX/XXXX ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, XXXX XXXX XXXX has failed to respond back to my request. 

I re-disputed the case with XXXX once again as identify theft in which XXXX XXXX XXXX again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor XXXX any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX XXXX XXXX on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized accounts include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$530.00} also attached is police report made that was sent to all companys

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 2023-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Complaint against Bank of America ( BOA ) for inadequate investigation of fraud claim # XXXX To Whom It May Concern, I am writing to file a complaint against Bank of America ( BOA ) concerning my fraud claim, filed on XX/XX/2023, with claim number # XXXX. I have reason to believe that the investigation carried out by BOA was insufficient and that their decision to deny my claim is incorrect. The claim involves over XXXX fraudulent charges on my account, which I did not authorize. Despite the complexity and sheer number of transactions involved, BOA quickly concluded their investigation, denying my claim on the grounds that the charges were authorized by me or someone with permission to use my card. 

Here are my specific concerns : Timeframe of Investigation : Given the large number of fraudulent charges, I find it highly unlikely that a thorough investigation could be completed so quickly. 


Absence of Proof : BOA has not presented any definitive evidence, such as a signed receipt or contract, to substantiate that I or anyone authorized by me conducted these transactions. 


Statements Unchecked : I was enrolled in XXXX  classes at XXXX  during the timeframe of these charges and did not receive the monthly account statements that BOA claims were sent to me. Therefore, I was unable to promptly identify and report the fraudulent activities. 


Unauthorized Use of XXXX XXXX : I have never owned or operated a XXXX XXXX account, which is reportedly involved in these transactions. This fact by itself should raise serious doubts about BOA 's conclusion. 


For the above reasons, I am requesting that the CFPB : Direct Bank of America to reopen and adequately investigate my fraud claim. 


Require BOA to provide a detailed account of their investigation process, including any evidence used in their initial decision. 


Take any other appropriate action to ensure that my case and future cases are handled in a fair and transparent manner. 


I am attaching relevant documentation to substantiate my claims, including my student  enrollment proof and any communication I have had with BOA regarding this matter. 
Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely,

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 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
I have corresponded in writing to EXPERIAN 4 times within the last 4 months regarding the successfully disputed removals of the three debt collection companies from my EXPERIAN credit report. I have inquired as to why I have no XXXX score. I have inquired as to why EXPERIAN is not reporting my XXXXXXXX XXXX XXXX  which I have had in good standing for 3 years. I have corresponded to EXPERIAN with these concerns numerous times to no avail. I have inquired as to what procedures etc. EXPERIAN uses to investigate disputes to no avail. I did contact EXPERIAN on XX/XX/2023, and spoke to a XXXX. She claimed point increases depended on certain criteria. but did not clearly elaborate. I disputed the debt collection companies requesting the following : I receive the validation of the " debt '', actual accounting, verification of the " debt '', actual accounting and the contract binding both the debt collection company and myself. All three of these debt collection companies could not furnace this information to me in writing. I received a letter from XXXX of the debt collection companies advising me of the removals from my credit files and the third never corresponded but was removed 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 2023-11-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
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Company response to consumer: In progress