BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: Social Finance, Inc.
State: IL
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:
On or around XX/XX/2022 I signed up and was approved for a SoFi credit card. On the same day as my approval, I used SoFi 's chat support and spoke with " XXXX XXXX ''. The chat log is as follows : XXXX XXXX : Hi, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? 

Me : Hello! I want to check if my sign up bonus offer linked to my account is the XXXX offered here : https : XXXX Herson V XXXX When did you apply for your Sofi credit card? 

Me : Just now XXXX XXXX : That is the same promotion, however there are some other requirements for instance : To receive the offer, you must apply and get approved for the SoFi Credit Card and have an active direct deposit through their SoFi Checking and Savings Me : Right. My question is : for the credit card I was just approved for, is this offer tied to my account ( i.e., the spend {$1500.00} to get {$200.00} ). 

XXXX XXXX : Yes! 

Me : Perfect, thanks! Do you have an idea of how long after spending the {$1500.00} it takes for the {$200.00} statement to be reflected? 

Me : I just want to make sure to confirm it worked once I spend that amount. 

XXXX XXXX : It should be immediately Me : Awesome. Thank you so much. That's all I needed After meeting the minimum spend, I did not immediately receive the {$200.00} offer as a statement credit. I contacted SoFi using the chat feature again ( date uncertain ; around midXXXX ) and was told that SoFi would look into the issue and follow up with me. 

Today ( XX/XX/2022 ), I contacted SoFi using the chat feature again as I never received a follow up. I spoke with " XXXX XXXX '' and was told that " it seems [ SoFi 's ] special team declined our previous ticket, you spent the requirement of {$1500.00}, unfortunately we don't show a XXXX XXXX 's affiliate link was use. [ sic ] '' After describing the above, I was told there was nothing else that can be done except that XXXX can forward my complaint. He could not assure me that SoFi would follow up with me on this issue when I asked. 

I spent {$1500.00} using SoFi 's credit card in reliance on receiving the {$200.00} offer that I was assured was connected to my account. A proper resolution would be honoring this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: CA
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 asked them to provide proof that they verified the account by providing me with a copy of the original contract with XXXX XXXX XXXX and that the information is not XXXX percent accurate. They only responded by saying that it was accurate, but the information did not match. They did not do a proper investigation and only used stall tactics. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without y written instruction.

Company response to consumer: In progress
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: NY
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 # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$170.00} 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 permission

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My identity was used for a mortgage and I want it removed from my report on XXXX XXXX XXXX  Account number # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a Police, and a FTC report and sent it to the creditor 's, and to TransUnion Credit Bureau. TransUnion did remove the items, and then 4 days later it was back on my credit profile. I called TransUnion and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told TransUnion once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to TransUnion disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked TransUnion how is the creditor verifying debt that is not mine? TransUnion stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XX/XX/XXXX they don't have any records of me having an account with them., XXXX XXXXXXXX XXXX this has a XXXX Ohio address that I've never been at XXXX XXXX XXXX XXXX XXXX This account is from XXXX Ohio ( I haven't been in XXXX Ohio since XXXX ) they're trying to say I co-signed for this. This isn't mine!!!!

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 2022-07-29
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:
I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX  ). XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. 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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Over a year my banking has been used debit cards credit cards loans. XXXX XXXX had tons of fraud on my accounts they closed due to fraud and someone out of us trying to deposit funds it continues to happen I recently found out I was part of XXXX breach it said 5 breaches I gave letters my medical records were taken my mortgage company sent me a letter u was compromised. I have loans and credit cards not mine I have a claim number for breach its ruining my life my credit my banks been compromised.

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: Experian Information Solutions Inc.
State: KS
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:
15 USC SECTION 602 States I have the right to privacy.

15 USC SECTION 604 A Section 2 : It also states a consumer reported agency can't furnish an account without written instructions.

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

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: 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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$3700.00}

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 2022-09-23
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, All of my accounts have been hacked /compromised by hackers.CHASE BANK is not believing me that the hackers have stolen money out of my checking, savings account totaling {$5000.00}, some of my bills are being paid but I dont have any money because my account is in the negative.How can I pay my bills if my checks are being taking away from me. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: I.C. System, 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:
I have a collection company reporting I owe on an account that doesn't belong to me. They say the service is for an address I've never lived at and its during the time i was serving over seas. I've tried calling XXXX the original company and they don't have any information so I called the collection company IC systems and they said I need to send then proof that it's not my account but how can I prove something isn't mine when it's not mine.

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 2022-06-08
Company: EQUIFAX, INC.
State: MO
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 XXXX 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 explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}

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 2022-09-23
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted tall three credit bureaus to have them fix my credit score. I have 9-12 good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.

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 2022-09-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The items showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. i request you verify these items that you are reporting in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.

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 2022-09-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX and Equifax deleted a great credit history with XXXX XXXX XXXX # XXXX. It was my car payment. It wasn't due to come off because it was reported in 2012. I have asked XXXX several times to put it back on my credit report. They won't do so and I am feeling targeted. I feel like they want to destroy my life with all the inaccurate negative reporting and then they are removing good payment history. Please ask them to put XXXX XXXX XXXX back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Several times throughout the year I go on and off of XXXX XXXX due to my position and specialty in the service. Under the Servicemembers Civil Relief Act ( SCRA ) Title 50 USC I am entitled to a cap of interest at the rate of 6 % per year. I have been requesting this relief from American Express ( AMEX ) for two years now and AMEX has denied every claim I have requested or AMEX has arbitrarily closed out my request and started a new request to extend their timeline on when they need to answer or reduce my interest rate. American Express has stated that they checked the system and did not see me on XXXX XXXX so will not be applying SCRA benefits. However, XXXX that enter XXXX XXXX rarely ever get put into the XXXX XXXX XXXX XXXX ( XXXX ) which is the system they stated they utilize. Title 50 USC 3937 ( b ) ( 1 ) ( i ) clearly stated that a service member can provide military orders, which I have done in the case, and Title 50 USC 3937 ( b ) ( B ) ( i ) states that a creditor may utilize the XXXX in lieu of orders however it does not grant American Express the ability or right to discard orders provided where the service-member is not in the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-03
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is reporting to my consumer report without authorization. Causing an adverse affect from this action that my person has received no notice or letter of. I am well aware of my rights and this is a violation of them. I'm asking that the company produce the blue ink contract my person signed with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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:
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 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 explanation
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges were made on my Citibank credit card on XXXX XX/XX/14 of this year. I was out of town at the time over 100 miles away and did not make the charges. The credit card was locked in a drawer downstairs. Citibank refused to refund the charges after the dispute because the charge was made in person in my city, and ghosted me after I submitted ( both via mail and email ) a dispute to the resolution of the case. Attached relevant statement. I can also provide evidence I was not anywhere near home when the charges occurred.

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