BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon. I am currently reviewing my credit report and there are several Inquiries ( 34 ), I do not agree with. There are a few duplicates and several I did not authorize. I attempted to dispute the items online, but the site advises customers to contact Experian at their XXXX number. I contacted them directly XX/XX/18 @ XXXX and was advised I could not dispute the information because they do not have access to dispute inquires.

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 2021-02-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.

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 2019-05-20
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:
On or about XX/XX/2019, I received an email from Experian.com requesting information to help repair my credit report. Thereafter, I received a call from a representative at Experian trying to obtain information to help me repair my credit report. I informed the representative that I was not interested in their services and asked them to stop sending me any further text or phone calls regarding the same. 

Thereafter, on or about XX/XX/2019, I received an email from Experian soliciting their services again. I unsubscribed to their emails as directed by the terms in the body of the email. Thereafter, on or about XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, I again received unwanted solicitations from them via email. Additionally, I received various phone calls from representatives requesting personal information. 

Notwithstanding the foregoing, I again, after various requests to stop contacting me via email or telephone, received another email requesting me to use their services. 

In light of the foregoing, and despite my repeated requests, it is clear that Eperian.com is blatantly harassing me and inundating me with emails and phone call which has affected my work, by having my phone ring during work hours to try and as well as cause undue stress of trying to obtain my personal information. 

The only course necessary to have them stop this telemarketing charade is to initiate legal action against the company. Once you unsubscribe to them, several other companies call and send email to try and offer assistance in repairing my credit. These sub companies try to obtain personal information ( i.e., SS #, DOB, Banking information ).

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 2021-12-16
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On Vacation in XXXX with family I frequent a lot of hotels, attractions and restaurants making cash transaction to keep spending habits low. After leaving XXXX to XXXX to catch my flight home to XXXX XXXX I noticed my wallet was missing losing my Drivers Lisence, Chase Credit and Debit cards, and Bank account pin numbers. On XXXX XXXX 2021 while driving I use my Chase Mobile App to monitor my finances, and notice an alarming fraudulent charge for XXXX XXXX for {$4100.00}. It was unbelievable so I immediately called Chase XXXX XXXX XX/XX/2021. On XX/XX/2021 the gave me a credit for {$4100.00} during the investigation. 

I received a follow up call from Chase XXXX XXXXXXXX XXXX but NO Voicemail was given. I log into my Chase Mobile App to see the fraud amount reapplied to my statement. I called Chase Fraud depart after multiple unsuccessful attempts to clarify the mistake. 

XXXX XXXX XXXX The investigation was completely poorly done and noted the verdict was based on the receipt name matched the credit card name. 
XX/XX/XXXX, XXXX forwarded Chase Fraud department proof of my Driver Licence being reissued because my wallet was stolen and asked if I should file a police report for more validity on my end. I asked if they checked security camera footage and the purchaser use the correct address, and chase fraud representative said " we dont know ''. Also the XXXX representative did not follow policy by taking a photo copy of the ID prior to issuing the sale, and Chase responded " we dont know. '' At this point Chase Fraud does not have any information to give and want to settle by having me, a loyal 7 year loyal customer and U.S. Veteran with their unwarranted bill. 

They refuse to remove the {$4100.00} balance from my statement that I refuse to pay and I am afraid this will destroy credit score which I worked valiantly to protect for years. Also interest fees will be added to my Credit from waiting for Chase to fix the issue. 

I have not heard back form Chase Fraud since XX/XX/2021. Please help assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
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:
I contacted XXXX about this collection agency American adjustment beaura in XXXX to start a dispute about the information on my credit file XXXX corrected it and the American adjustment beaura put it back twice. XXXX told me to contact you with the complaint and they will remove it .they have been harassment me for years. They are a very bad collection agency they need to be stop They need to pay for the damages for every violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
XXXX of 2019 I saw a promo on XXXX about a XXXX tool combo set. I clicked to order it, I used my Bank Of America ( BOA ) credit card to purchase this 7 piece tool set. 
This company did not send me any notification at all. Days later I received a worthless piece of vinyl ( credit card holder? ) that the package on it said it was from XXXX, and the weight was XXXX. I kept the package because it was unusual, and thought something was up. 
My credit card was hit with {$170.00} from : XXXX XXXX. I contacted Bank of America, started this dispute. 
This fraud company is good - they said they sent me something. Yes, the worthless piece of vinyl. I even made copies of the envelope that says very small on it " 7 piece tool set '' and the weight ..... XXXX. Right??? 
We went back and forth on this ( calls, letters, faxes, etc. ). There was no way to contact this fraud company : no packing slip, no e-mail, nothing. 
BOA put the PROOF ON ME to show what was to be sent for the {$170.00}. I could not find that ad on XXXX ( and I did later see and took a picture of another scam that company was doing with XXXX  things on XXXX - and people 's comments on that ad said NO - DON '' T GET THIS -- IT'S A SCAM ). So there's another problem. I looked forever for a way to contact XXXX to make them aware of this fraud vender -- and I could not. Sad. 
So, I would not get my {$170.00} refund although the company could not prove they sent me a 7 piece tool set. BOA made me prove it was what I was to get -- and there was no way to prove that besides my package that labeled it -- and the weight was XXXX XXXX ( which should be proof the tool set was not in it ). 
By-the-way, this fraud company is smart. They ship something to you ( to prove they sent something ), they leave no evidence, and they work out of a multi company online place ( like XXXX ) so you can't find them.

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 2021-12-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} XXXX explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.

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 2022-05-02
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:
In accordance with the Fair Reporting Act, the following accounts have violated my rights 15 USC 1681 section 602 A states that I have a right to privacy 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instruction EQUIFAX REPORT XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX  Accounts # XXXX # XXXX # XXXX # XXXX XXXX REPORT XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX REPORT 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 2017-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today,  XXXX / XXXX /  XXXX  ,  Portfolio Recovery Associates  called my supervisor 's private line  ( a number not publically listed ) and asked for me by name. She told them that they had the wrong number, which is accurate. She is not me. I have no idea what the call was pertaining to, but I googled their business name and see that they have a reputation for pulling these shenanigans on many people. Whether or not I actually owe them or someone they collect for is unknown, however, when my supervisor asks me if I know who they are and that they called her asking for me, I was mortified and completely humiliated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On the back of my XXXX $ prepaid XXXX card it says that after a 12 month period of inactivity there will be a XXXX $ deduction fee from the account but the only purchase on this account is XX/XX/2017 less then 12 months ago for XXXX $ but my account balance is XXXX cents so when i called the number on the card to find the problem the woman who answered said that a fee of XXXX $ has been taken out of my card monthly since it seems like well before my first purchase

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 2021-04-08
Company: EQUIFAX, INC.
State: FL
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:
I am writing to you regarding my credit report because I recently checked it and found accounts that are not mine. I do not understand how these items appeared in my credit report. However I filed identity theft report because I know that probably someone used my personal information or its error in reporting. Pease I ask you for some help! Could you please investigate the accounts in my profile and find out what exactly happened there. In case you find who did it please remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an american express XXXX XXXX XXXX card that was promised an companion ticket that I could use for any domestic flight anywhere in the USA that XXXX XX/XX/XXXX. There was no disclosure on the advertising on what if any restrictions applied to this companion ticket. I called twice, my wife also called before we purchased this card and talked with different representatives of american express both times and they all stated that there would be no restrictions on the companion ticket as long as it was used in the continental USA. They also all stated that we would get a companion ticket the first year that we had the card, which after we paid the XXXX dollars they stated that oh no, we get that companion ticket our second year. I stayed for a second year because they had refused to refund my money, after another XXXX dollars they sent me my companion ticket which come to find out is riddled with restrictions. You can only fly certain " grades '' of flights which are around XX/XX/20 flights that they offer. Its a joke and I would like to get all my monies back that I paid for this ridiculous scam of a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: CCS Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ccs collections is saying I owe a debt of {$150.00} this is not my debt I have not received any notice of debt or proof by mail that this is my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is in litigation and has already been paid. The company Midland Credit Management purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692a ( 1 ) states the term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus when there is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933 XXXX enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin currency... are inconsistent with the declared policy of congress... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) 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 may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IRR, Inc .    XXXX   XXXX   XXXX   XXXX , NY  XXXX  Toll Free :  XXXX  Telephone :  XXXX  Fax :  XXXX  Email :  XXXX  XXXX  XXXX   XXXX  started calling my cell phone number several weeks ago to try to collect a debt from the person who must have had my number 4 years ago. They called several times a day from multiple numbers. If I called the numbers back it gave  me 2 options 1- I am  the person they are calling for  2- I am not the person they are calling for. When I selected 2 I was prompted to provide my collections account number- which I do not have because it is a wrong number. I was not able to talk to a real person or select an option to let someone know it was a wrong number. Sometimes I would even choose the 1st choice of being the person they w ere calling still could not get a person on the phone.   I even called the hospital that the debt was owed to. They gave me a number that was also automated and gave me the same choices. Because I called from my cell phone it would prompts me as if I was the person they were looking for. I looked up contact info online. I could not speak to a real person. Finally I called from another number this seemed to confuse the system and I finally got a   3rd choice wrong number.
4 years ago when i got this phone number the person in question used to get many calls. All the other debt collectors had a way I could let them know they ha  d an old phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
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: Public record information inaccurate

Complaint:
XXXX XXXX keep adding credit card account an d changing the account number and state a I have a card that I went over the limit the accounts has had the account numbers change to make it hard to track it I want to know when the purchases was make who picked the and or sign for the pucrases and what date it was purchased ship to whom the date the account was open with the correct account

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 2021-12-16
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says XXXX XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.

Company response to consumer: Closed with explanation