BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express responded to my CFPB complaint on XX/XX/2021 accusing me about having another American Express account that was not maintained in accordance with the terms of the cardmember agreement which is why they closed my personal credit card and gold card. First off, I never authorized American Express to close any of the extension of credit I gave to them. Next, American Express shared my personal information ( name, home address, phone number, account number and more ) to multiple non-affiliated third-parties known as a person or debt collector such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent. Each debt collector has attempted to communicate to me by mail or phone. None of those persons or debt XXXXollectors were present during the initial consumer credit transaction when I extended a line of credit to American Express and when American Express entered my credit back to me. American Express gave, placed, or referred my information to a person also known as a debt collector that I do not know of to collect an assume debt. See the following attachments for proof. American Express sharing, placing, referring, or giving my personal information away to a person or debt collector that I do not know is IDENTITY THEFT. Finally, American Express did not pay me my remedy for violating my consumer rights more than 25 times. I have added a new invoice in the attached with your new balance to pay me for violating my consumer rights. American Express, I want you to pay me my REMEDY, next stop & delete all accounts from any reporting agency, then stop & delete all non-affiliated third-parties, persons, and debt collectors from contacting me, cease and desist all communication with me ; all in that order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please see below, this is what is appearing on my credit report. I have disputed it with XXXX  a couple of times without luck. 


PRINCE PARKER AND ASSOCA Last reported XX/XX/2021 {$160.00} Open balance 11 XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed +23 pt Paid in full +25 pt Settled for less +21 pt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX XXXX Balance : {$53.00} ; XXXX XXXX Balance : {$76.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}

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 non-monetary relief
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A freeze and alert were placed on XX/XX/2019 by one of your reps because I made a dispute. I made several attempts to remove the alert and freeze but was unsuccessful. I would like you to contact the other bureaus on my behalf and notify them of my requests. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that XXXX about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: IL
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 sent a letter describing my disputes. I pulled my weekly credit report, as allowed due to COVID-19, and all of my disputes are not reflecting in the credit report. In multiple letters I sent disputes for inquiries, account, and a collection that recently appeared. These entries should be showing " under investigation ''. Only on item is showing that when it should be multiple.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter describing my disputes. I pulled my weekly credit report, as allowed due to COVID-19, and all of my disputes are not reflecting in the credit report. In multiple letters I sent disputes for inquiries, account, and a collection that recently appeared. These entries should be showing " under investigation ''. Only on item is showing that when it should be multiple.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$91.00}

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 non-monetary relief
Consumer complaint received 2022-08-26
Company: JTM Capital Management, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have tried multiple time over the last month to contact this company. No one answers the calls or returns the messages. This collections agency has placed my credit card debt as repossession and I am trying to get in contact to pay if off but can not get in contact with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: SLM CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumers XXXX XXXX & XXXX XXXX entered into a consumer credit transaction with Sallie Mae on XX/XX/XXXX & Again on XX/XX/XXXX. We used our credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under 15 usc 1605. Sallie Mae then took our credit and got a loan and begin to violate 15 usc 1692 e because they falsely represent the status of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: I.C. System, Inc.
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: Information belongs to someone else

Complaint:
Please remove this from my credit reports. This is not my debt!!!!!
I.c. Systems, Inc. XXXX XXXX XXXX posted a collection Amt of {$180.00} alledgedly reported opened in XXXX 2016. This is causing me a great deal of unnecessary XXXX & damaging my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Upon learning of the Equifax breach I placed a credit freeze on my account for myself and my wife. This was relatively easy for XXXX XXXX XXXX, Equifax was very cumbersome for my and could not be activated for my wife 's. I guess my biggest question is why must a consumer be burdened with contacting the 3 bureaus independently? Why ca n't there be a one stop  method for initiating the freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IL
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:
Equifax announced in earlyXX/XX/XXXX of a data breach/hack, involving my SSN, credit card # s, addresses, etc. This will affect me and my wife ( who was also hacked ) our entire lives. Equifax offered 1 year of credit alert protection - this is not equitable. My information is out there and will be out there for the rest of time due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my paycheck a day late, and I needed to pay bills that day. I went to the issuing bank ( XXXX XXXX  on XXXX XXXX ) and cashed the checks. I then went directly over to a Bank of America ATM ( XXXX XXXX branch ). I went through the cash deposit process. I deposited approximately {$3200.00}. The machine was taking a while, then it changed to a screen saying we were unable to count your deposit due to technical difficulties. It then took me to another screen and asked me to give an estimate of my total deposit. I wrote XXXX. It then deposited only {$300.00} into my account. I received a receipt with a claims number to call. I filed the report and was told itd be a day or two. I still havent received my money. I have since overdrafted my account and I am late on important bills. A quick internet search revealed that this happens quite frequently, and people dont always get their money back. Id like to see the ATM footage of me depositing cash. This missed paycheck would really mess up my life.

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 2020-04-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MD
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:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid
-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 the Fair Credit Reporting act XXXX Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, Chapter XXXX bankruptcy Acct # XXXX, XXXX XXXX BANK Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2017-09-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Starting XXXX XXXX, XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XXXX/XXXX/XXXX, the inaccurate inaccurate information is still reporting on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax did not take proper steps to protect consumer information and now not only has my social security # been compromised, so has all my other personal information. Which I never gave to this company! We 're told we have to use these 3 companies and they 're taking advantage of all of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX. 

According to XXXX XXXX XXXX section XXXX A states : I have the right to privacy. 

According to XXXX XXXX XXXX section XXXX A Section XXXX states : A consumer reporting agency can not furnish an account without my written instructions. 

According to XXXX XXXX XXXX ( A ) ( XXXX ) states : 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 2022-01-16
Company: Experian Information Solutions Inc.
State: NV
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:
Ive been a victim of identity theft.

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 2022-01-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a deposit through XXXX intended to be sent to my family and it was a fraudulent account. The transaction was on Friday, XX/XX/XXXX to the following number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation