BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible 1. American Express ( XX/XX/2022 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Velocity Portfolio Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2022-12-03
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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 credot reporting act XXXX Account # XXXX has voilated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.

15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called and spoke to XXXX  from Chase bank in the XXXX office and asked to revoke my ACH authorization from a utility company XXXX XXXX, she said they do not provide ACH authorization but only offer a stop payment. That as long as I spoke to the company and revoked it with them and they did not honor it then I can talk to Chase about a dispute. She said they do not offer to revoke an authorization only a stop payment. Which I believe is against the law if I ask for a recurring charge to be revoked from my bank why can't they honor it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/XXXX around XXXX XXXX I went to the Wells Fargo on XXXX XXXX in XXXX WI to deposit money to my savings account. 

It took forever as the machine was scanning my deposit and ultimately I got an error. I got my debit card back, but the money was not out far enough and I couldnt grab it. Then that slot closed and I never got my {$140.00}.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ;

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 2022-12-03
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I.m paying my car loan and it is under agreement cause of financial hardship cause the bank agreed for me to pay XXXX payment in amount of {$390.00} installedments and agree for me to pay XXXX payment on the XX/XX/2022 and they send that information to the credit Report and say that was XXXX days late but we both parties agree that it wont be send in ..and i notice that they mess up my credit score in the amount of {$590.00} ... and i want to dispute this amount cause the bank fail on they agreement that it wont be reported cause of my Financial Hardship need to come to a conclusion on this issue..thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NC
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-03
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied. Was accepted, never got email. Comenity 's phones and website are not working. Comenity claims that a system upgrade went bad and they are working on it. According to the complaints on the XXXX page this has been happening for at least ten days. 

So now they have my personal information on a card that I can't use, that someone else may be using and they won't talk to me. Check out their XXXX page. 

I do not know my card number. I used XXXX XXXX XXXX XXXX in the form below They haven't sent it yet, just approved me for a loan. Someone else is probably using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I opened a credit card with Best buy and unfortunately I did spent the whole thing right away and didnt pay it back on time maybe a few times I dont remember, but thats on me. However they reduced my credit limit at a time I was paying my credit card on time every single payment and even continuously paying my account on time they were dragging my credit down the hole. Then they dropped me to {$350.00} limit and put my available credit at {$0.00} so anytime I spent anything on the card it dropped my credit and notified me I have overspent. It has continuously taken my credit down due to it being a {$0.00} available credit, I was doomed if I used it and doomed if I didnt. Its been a few years on my report. They also spelled my name incorrectly on my card and it has been incorrect for years. When I told an associate they said it was fine.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: NY
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 unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00}

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 2022-04-25
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX 1581 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 or information, other than records of conviction of crime which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letters to Transunion recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXXXXXX Date OpenedXXXX Balance : XXXX XXXX-Late/Open Late Date 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 2022-07-03
Company: EQUIFAX, INC.
State: MD
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:
Notice i claim harm by way of trespass, FRAUD and Dishonor. 

Notice to XXXX XXXX and XXXX XXXX Ref : Account # XXXX We are all equal any wrong doing will result in a claim by way of trespass, FRAUD, extortion, Dishonor and Breach of Privacy rights. 

These are my rights i am a woman i know my rights my rights are if you do any wrong, if you trespass by way of extortion in any way, if you harm i or the property of i, if you do any unlawful harm to property or any undue exercise of power, if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim in federal court. 

As stated in multiple correspondence requesting the original instrument of indebtedness in its original form and XXXX XXXX and XXXX XXXX failure to comply under law will result in a FRAUD and unlawful. Any willful negligence or wrong doing XXXX XXXX and XXXX XXXX have committed will be held liable. i have the right by law to ask for original documentation regarding my property with both parties signature on any document any failure to present original instrument of indebtedness in its original form will be held liable for FRAUD and dishonor, trespass, extortion, undue exercise of power will be liable under law. i a woman and i have rights and i know how to express rights and law. 

Notice to XXXX XXXX and XXXX XXXX for failure to comply with law. 

Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX i a woman is demanding my account be discharged, XXXX out my balance and remove this inaccurate, incomplete and Fraudulent information or account from my consumer file and consumer report. Any failure to comply with law all parties will be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXXXXXX 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 an 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 2023-09-19
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card
Sub-product: Store credit 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:
In XXXX or XXXX I got an alert from XXXX XXXX that I owed {$6500.00} to Comenity Bank. I called to see what happened thats when I was told a credit card in my name for XXXX was opened and charged for a XXXX. I have never received any cosmetic procedure other than a XXXX XXXX in XXXX that my insurance covered medically, and a XXXX XXXX XXXX XXXX in XXXX of XXXX that I paid for in full. I have been disputing this account every since I gained knowledge of it being opened. They didnt have my correct address on file, someone used an OLD ID of mine that was stolen and I provided a police report to confirm everything! I have never been to XXXX. I am a XXXX XXXX of XXXX, unemployed, and could never afford a {$6500.00} XXXX! I can submit photos of my body XXXX to futher show proof! Please remove this out of my name! I have been fighting to get this removed for years! I only have 3 credit cards under comenity!! Victoria Secret, XXXX, and Childrens Place and I pay those faithfully every month even with applying for hardship I still make the payments! You can compare my ID to the one the company sent it doesnt match!!! You all didnt have my correct information until I called to provide it so that further states my claim of this isnt me who did this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: OH
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:
All 3 credit reporting agencies are reporting information inaccurately, this is information was never verified by me as the individual or the source in which they have listed on the report. Therefore this is unfair reporting and a violation of my rights to privacy according to the Fair credit reporting act and the privacy act of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CT
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2023-09-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Check/payment from employer/partnership to myself has not been deposited, nor made available, nor is reflected in my chekcing account balance in a finalized fashion. 

Employer 's bank ( XXXX ) is able to provide evidence funds were transmitted to my account for a missing deposit. 

Dispute submitted to my bank XXXX XXXX XX/XX/2023 ; at close of business today XX/XX/2023 my bank Wells Fargo is unable or unwilling to provide information about their investigation at all. The dispute remains open. I was not allowed to speak to an investigator. 

I have been credited a preliminary amount for the missing funds ( {$22000.00} ) - but without the investigation and determination being finalized, I am unable to pay my employer back the funds without assuming what seems to be a liability of the bank, i.e. if the bank determines they do not have the funds ( e.g. sent back to employer 's bank ), they will take this preliminary amount back, and I will be at a loss for the amount I have written.

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