BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 




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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX My payment wasnt going through there system and so they canceled my account. Due to COVID-19.

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 2022-09-20
Company: EQUIFAX, INC.
State: VA
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 wrote letters to Equifax, XXXX, and XXXX. I wanted to dispute the account reporting on my report on the grounds that they do not have the an original copy of the agreement with my signature on it. They sent letters back saying that they did an investigation but never provided original documentation of the agreement. I asked for names of the individuals who were doing the investigation. I have never received and names. I took the time to write and send letters that were notarized with a copy of my identification and SSN. I sent the first letter on XX/XX/2022 the second letter on XX/XX/2022 the third XX/XX/2022 the last letter XX/XX/2022. it cost me {$38.00} everytime to send four sets of letters that were notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Cash qpp is holding my money and has cause my carnote to be behind. It's even sitting for XXXX weeks I have went back and forth with XXXX. They removed my email from my account without my promission. And I have sent the requested information XXXX XXXX XXXX to new account they made me create XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
On XX/XX/2022, I asked an American Express agent to provide me with a link so that I could upgrade my Amex gold account to an Amex platinum account. I told an online Amex agent with whom I intended to upgrade my existing card that I did not want a new account, as it would hurt my credit score, and explained that my wife and I are financing our first home. I did not want a new account on my credit report as my loan agent advised me not to open any new accounts. Because this was through an online Amex agent, this conversation is in writing, where I expressed many times to American Express that I did not intend to open a new account. Days after clicking and signing the link Amex provided me, I noticed that in addition to having my existing account with Amex upgraded, an entirely new account was opened in my name, against my wishes. I immediately closed the erroneously created new account upon realizing what had occurred. I have called Amex customer care seven or eight times and was told there is nothing they are willing to do to remove this from my credit report, even though I have documentation in writing with their representative of my wishes not to create an entirely new account. For the next seven years, I will have this opened and closed American Express account ( Dated XX/XX/2022 ) on my credit report, which Amex opened against my wishes. I would like this removed immediately from my credit report, and Amex should work with me in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXXAccount # XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$72.00} In accordance with the Fair Credit Reporting act XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian will not correct the spelling of my last name and will not delete my previous addresses. Misspelled names and unnecessary data on my consumer report puts me at greater risk to identity theft. I have updated all relevant accounts to the current and correct address. 2 prior requests to Experian to correct the data have been submitted via certified mail but I've only been ignored. Please take notice of the attached credentials and receive receipts. 

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Experian is disrespecting my privacy.

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 2022-09-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE TRIED TO REACH OUT TO THIS COMPANY TO GET THESE INQUIRES REMIVED THAT I DID NOT AUTHORIZE, YET THEY STILL WANT TO PLAY GAMES WIHT PEOPLE 'S FUTURE, THEY HAVE VIOLATED MY RIGHTS OVER AND OVER AGAIN AND I HAVE HAD ENOUGH. THEY HAVE REMOVED AND PUT WRONG INFROMATION TO MY CREDIT REPORT ALSO AGAIN BREAKING THE LAW. THE INQUIRES I DO NOT RECOGNIZE MUST COME OFF IMMEDIATELY Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1.Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX 2.Creditor XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4.Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5.Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 6.Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act , you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/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 2022-04-24
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

transunion says the balance is {$830.00} XXXX says it is {$0.00} XXXX says it is {$830.00} date opened transunion states XX/XX/2017 XXXX  states XX/XX/2017 XXXX states XX/XX/2017 not all equal

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 2022-08-22
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm submitting this complaint in regards to multiple delays in trying to remove my PMI with PHH mortgage. I calculated that I should qualify for PMI removal during my XX/XX/XXXX payment and called the company around XXXX XXXX requesting removal. The agent said they would send a letter in the mail with my eligibility and next steps. I waited about 13 days and then contacted the company again by email to see that status ( XX/XX/XXXX ). I received no response. The next day ( XX/XX/XXXX ) I contacted the company by phone and the agent said the request was still 'processing ' and to call back if I hadn't received anything in a couple of weeks. I called back today ( XX/XX/XXXX ) and the agent said there wasn't a request in for the PMI removal and it would be another 7-10 business days before they could start the process. The delay on their end is going to cost me at least {$110.00} and the company also said a new appraisal would be required to remove the PMI, even though my payments have been in good standing and we got an appraisal about a year ago.

I feel like PHH mortgage is putting up hurdles for removing PMI, in order to make more money off of me.

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 2022-06-26
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a validation letter to validate the information and there was nothing sent for me to validate. I was never given the initial investigation on this matter to even dispute it in the first place. I have nothing in writing to validate that this alleged debt belongs to me.

In pursuant to UCC 3-302 I am requesting the original security signed by me providing you the right to collect on this account. Until you provide me this information you are to cease and desist all communication and collection activities including credit reporting and criminal activity with the postal system unless it is dealing with any request I have made. Also, XXXX out the balance to XXXX dollars leaving me with no responsibility for the alleged debt. 

If nothing is done within 15 days I will proceed with this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-24
Company: Experian Information Solutions Inc.
State: DC
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

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 2022-06-07
Company: EQUIFAX, 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:
On XX/XX/XXXX I made a call to Equifax in regards to my credit report being locked due to suspected fraudulent requests. After speaking with an agent, we were able to resolve the issue over the phone, or so I thought. Today, XX/XX/XXXX, I attempted to run my credit for an auto loan, and my report was locked again as a suspected fraudulent request. After speaking with an agent today, it appears that Equifax failed to follow up on my last dispute or correct the wrong information. In fact, their agent changed my name to something completely incorrect on XX/XX/XXXX. 

My legal first name is XXXX, XXXX XXXX and last XXXX. Equifax 's agent appears to have changed this to ; first " XXXX XXXX, middle " XXXX '', and last " XXXX '' When requesting that this issue be resolved, Equifax simply stated that this change was requested by me on the XX/XX/XXXX. They refused to follow up on my dispute and refused to provide me with additional information, that would support I requested this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Have contacted Bank of America on several occasions to wave the 2 fees on the savings account. Bank of America has advised me this will be done, written off, and the account will be closed as per my request. My request too close the account was due to a discrepancy in the terms and fees when it was pushed upon me to open the account witch was opened at the same time as my checking. Furthermore I've had account credits/refunds posted to the closed checking account that still still remains to be paid to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: MO
Product: Prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I Signed up for a XXXX XXXX through the XXXX XXXX for an offer that said if I was approved I would instantly get an XXXX gift card for {$150.00}. I did not get a gift card after signing up. 

Called Chase Bank on XX/XX/23 and spoke with card services to confirm my XXXX XXXX was approved. They said I was approved and that XXXX is responsible for giving me the gift card. 
Called Chase Bank on XX/XX/23 and talked to XXXX because XXXX said Chase is responsible for giving me the card. She said to talk to card services. I asked for her to stay on the line to explain the issue to the next person. She said okay, but when I was transferred she dropped from the call. 
Was told that XXXX was Responsible for giving me gift card. 

Called Chase Bank again on XX/XX/23 with an XXXX XXXX. Was told that my application was approved that day and could take 1-3 days to get my card. I asked why because the advertised time is instantly. She said she would transfer to an XXXX XXXX Chase expert. The hung up while the call was transferred leaving me and the XXXX XXXX alone on the call and didnt not call me back even though they had my call back number. 

Called Chase Bank again on XX/XX/23 and talked to manager XXXX and she said they would do an investigation on why I didnt get my gift card, but it would take 1 week. She did not say I would get a gift card, but they would look into why I didnt receive it.

Company response to consumer: Closed with explanation