BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/XXXX I disputed with EXPERIAN the accuracy of account XXXX XXXX # XXXX due to inaccurate dates and information. EXPERIAN stated the account was properly investigated. I am disputing the validity of their " investigation '' because the " Date Opened '' and " Date of Last Activity '' are both inaccurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

On XX/XX/XXXX I also sent EXPERIAN a certified letter disputing the accuracy of account XXXX BANK # XXXX because of inaccurate information being reported on the account. The " Date Reported '' shows as XX/XX/XXXX which shoul have been updated if they had actually done a reinvestigation as mandated by the FCRA. They are also showing the date of last payment as XX/XX/XXXX yet under the payment history it clearly shows this date should have been XX/XX/XXXX. These are clear violations of the FCRA and the account should be removed from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states that only items that are true, verifiable, and accurate can be reported by the Consumer Reporting agencies - otherwise they must be promptly deleted from the consumer 's credit file.

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute. I never received any letter or updated credit report from 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Mercari, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I made a sale on the Mercari site for the amount of XXXX. After selling fees. On XX/XX/XXXX I tried to transfer the funds instant pay to a XXXX XXXX account but the transaction was declined. XXXX XXXX would not accept the transfer. Mercari depleted my account and never returned the money due to me. I contacted them multiple times and even the XXXX XXXX XXXX. I confirmed with cash app they didnt get the transfer but Mercari still kept telling me they dont have the money. They sent me messages saying thanks for your time but we dont have it. The stole my money after I sold my items in their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Chase Southwest account in XX/XX/2020. At the time, there was a XXXX mile bonus. We received that. Then, on XX/XX/XXXX, another incentive was released : Additional XXXX points if you spend {$5000.00} in first 6 months. 

I called and inquired about that ( the additional XXXX points ). It's on my file and a representative told me I must call back to redeem the points. 

We have met the spending threshold. I called back. 

For some reason, they are refusing to add the additional points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Date Filed/Reported 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 XXXXXXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Describe what happened so we can understand the issue ... An alleged debt in the amount of approximately {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: The Best Service Co.,Inc
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Failed to notify of debt, paid debt and will not remove debt from credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Consumer Financial Services
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was removed from my credit report for false information being provided and this information was sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been a client of Equifax services for many years. Monitoring and credit reporting information which includes updates on credit score. On XXXX XXXX 2016, XXXX, a mortgage industry credit information provider, processed and verififed my XXXX credit scores from XXXX, XXXX and Equifax. All bureaus except for Equifax provided correct accurate information. Equifax provided using the same Fico score model as i there web page a score of XXXX in the report processed by XXXX and on there web page ( Equifax Web Page ) on the same date was reflecting XXXX. 
Equifax has been doing this same type of abhorrent behavior of reporting credit information and scores incorrectly for many years and have gone unpunished for FCRA violations I contacted on XXXX/XXXX/2016 Equifax with the letter provided by XXXX showing the XXXX score from Equifax and the information from Equifax own page as of XXXX XXXX credit score information reflecting over XXXX point difference. I hav been processing a financial transaction in the last 30 days so I have been monitroing my Equifax page every day for score and it has been XXXX-XXXX range during the last 30 days including XX/XX/XXXX-XX/XX/XXXX when the credit pull was effected. 
Today, XXXX/XXXX/2016, I spoke with Equifax representative and a Supervisor, both gave me the scripted answer provided to consumers who like me ask the correctness and accuracy of there reporting. Supervisor stated there is nothing he can do. This is not correct and the purpose of the FCRA is that companies and private enterprise do not abuse, cheat, lie or dupe citizens/ consumers as it relate to credit reporting ad financial transactions. 

I would appreciate your immediate action upon Equifax and that this company stops abusing federally protected consumers rights. Make immediate correction on my credit report history and score and reflect the same information as on there web page when providing information to credit information outlets fro financial transactions Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: MN
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
- XXXX/XXXX/17 I got identity theft and XXXX ( American Express ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX  handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, I deposited a money order drawn on XXXX XXXX XXXX I was advised by my bank that {$200.00} would be made immediately available and the remainder would n't be available until XXXX XXXX. 
On XXXX XXXX I discovered that my account was locked. I immediately contacted B of A Customer Service and was forwarded to Risk Management and advised that my account was being closed due to the recent deposit of {$1400.00} being a counterfeit check. I immediately contacted the person who had given me the check and confronted her to which she responded by calling her XXXX XXXXXXXX XXXX XXXX. She put her phone on speaker so that I could hear her speak with customer service. She then went to her bank and got a print out of the front and back of the check and I took it to my bank. The customer service representative XXXX ( manager ) contacted risk management to discuss the proof that I had. The person on the phone said that the account was still being closed and that there was nothing I could do. I asked for a supervisor and was transferred to someone named XXXX who then spoke to XXXX to discuss what proof I had brought in and she instructed him to fax everything to the back office. He faxed everything and they said they needed 3 business days to sort through everything and make a decision. My dilemma is that my car payment has bounced due to my account being suspended. My utility bill has bounce. These companies are now penalizing me for paying late and I can not write checks anymore. B of A has not even apologized. And they are taking there time. It 's not like I can take the money out and pay my bills. My money is on hold. I have been borrowing money from people. 
I just feel that when any institution accuses you of a criminal act such as trying to cash a counterfeit check, that they should be quick to resolve it and stop the injury that has been caused. 
This has been a huge inconvenience to say the least. Hopefully this will be resolved by tomorrow which will be the 3rd business day. I appreciate any follow up your company can do. Thank you

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 2016-02-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I co-signed a vehicle XXXX with the XXXX as my co-signer, and my car was re-possessed when I tried to get the car fixed when it was dismantled. The car was parked in XXXX and my ex-husband returned the car and made a payment of XXXX per his hearsay, and now my credit is low and I have issues with opening credit because of his Fraud and XXXX XXXX XXXX was the man who co-signed for me at Wells Fargo under the name XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
IXXXX XXXX XXXX XXXX  along side XXXX XXXX, Equifax, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department of Finance, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XXXX XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I attempted to contact Equifax to place a consumer statement on my account ( s ) for several accounts. They told me I needed to use the online dispute process, which in turn sent out an electronic verification back to the creditors, and entered updated dates to files that have been sitting dormant for almost 6+ years. This not only KILLED my credit score litterally overnight ( from a XXXX to XXXX ) in less than 10 days - but they 've also messed up the accounts. Now, what was showing as XXXX negative accounts have jumped to XXXX negative accounts, some showing duplicate entries, others reactivating a long-since closed loan, showing that I 'm now 120+ days past due, and that I owe over {$230000.00} on that account. 

When I called an spoke with supervisors to have them fix the incorrect investigation and fix the errors on my file they claim the do n't have access to the file and that it would be illegal for them to make changes to my file. They then tell me to contact the creditor directly. When I contact the creditor, they claim that I need to contact the Credit Company and initiate a dispute. There is nobody anywhere within Equifax that is willing to take responsiblity for messing up my credit report, and now fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: MN
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 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 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