BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
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. TheAccount below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


US DEPT. OF EDUCATIONXXXX 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed and sent a total of {$4000.00} through XXXX ( {$1500.00} ) & XXXX ( {$2500.00} ) to a scammer who lead me to believe he was the owner of the house I wanted to rent. This happened in late XXXX of 2022. 

I called my bank to see if they could get the funds back since it was a scam and they said no. XXXX & XXXX were also no help in getting my money back. They investigated the scam and never got my money back or updated me on their findings. 

It would be great to get this money back. This person who scammed me created a receipt for my deposit as well as a lease for me to sign. It turned out that he did not own the house and had no right to lease it to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, 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. TheAccount below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


US DEPT. OF EDUCATIONXXXX 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 2022-07-31
Company: American Coradius International LLC
State: SD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX and American Coradius International have been informed of the private student loan debt being included in bankruptcy. They were both oficially notified by the court regarding the bankruptcy. They are still continuing collection efforts. They have also now posted a collections account to my credit report after the debt was discharged in bankruptcy. American Coradius International associates stated they know it was in bankruptcy are told to still collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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: Information belongs to someone else

Complaint:
The term " investigate 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: JPMORGAN CHASE & CO.
State: FL
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:
There is a game by XXXX called XXXX XXXX XXXXXXXX XXXX Within the app there were {$5100.00} worth of purchases made and none of them were made by me nor were they approved by me. When I filed a dispute with Chase on XXXX, Chase reversed the charges. On XXXX chase put the charges back on my account because the merchant had my email address so they deemed the charges as legitimate. I asked if it were possible my email was hacked and was told it was not likely. Chase then sent me from the fraud dept to dispute dept. The dispute dept told me since the charges were more than 60 days old. They could not do anything about it. I asked why fraud didn't send it to them to begin with instead of wasting my time. They did not have an answer for me nor were they interested in trying to help me from there. I was told even though I did not partake in the {$5100.00} in charges, I was responsible for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: SC
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to Experian, XXXX, and XXXX on XX/XX/22 disputing an account on my credit report that they are inaccurately reporting. The account in question is XXXX XXXX XXXX XXXX. The information across all 3 bureaus is inconsistent and incorrect. Experian and XXXX are reporting different late payments, but how can this be when the data furnished should be the same? Also, I was never late on this account because I was on deferment due to covid. I am actually protected under the CARES ACT so I am not sure why this hasn't been updated. Another violation is that XXXX has no payment history-only has it as being charged off, but somehow the other 2 bureaus are reporting late payment history along with it being charged off. I have tried to have this information corrected for over 4 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. Please find the credit reports attached. Please conduct a proper investigation and update this account. My email is 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 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, Experian, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

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 2022-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, XXXX, and Equifax sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: FL
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:
Dear Equifax I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to. 

Please check with the furnisher and fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Second card on credit account was opened in my name without my knowledge. Contacted credit card company to inform them I did nit authorize nor utilize credit card. The card was charged off to a debt collection agency and I was not informed of the garnishment of wages and currently pursuing fraud dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
someone got into my citibank account in XX/XX/2022, citi bank froze my account then eventually closed it. i let them know that the address they had on file was not my address anymore, a representative told me that he was able to go in and change it to my new address. once the account was closed they sent out a check of {$870.00} from the funds that i had left in my account, the thing is they sent it to my old address when i had already told them that i didn't live there anymore and the representative told me that he changed it on his end. i went to my old apartment to see if the people living there now had my package. they didn't answer the door so i left a note with my phone number, i never heard back from them. i then contacted XXXX to see if they had my package they told me they didn't and there was nothing that they could do about it. the next step i took was contacting citi bank again to let them know they sent it to the wrong address and that i didn't receive my check. they told me that they would sent another check out to the correct address. i've talked to multi able agents and they all have a different story each time i call. i was told that i then needed to mail out a copy of my photo id and a utility bill with my name and my new address, i mailed the information out to them twice and i still haven't receive my check we are now in XXXX, i'm currently XXXX  and its been stressing me out, it shouldn't be this difficult to receive my money. Every time i ask to speak to a manger or supervisor they told me it's not one available and they an do a call back. i have never received a call back.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX ( account number : # XXXX ) was removed from my report and now my credit is inaccurately reporting. It was taken off in XX/XX/2022, and has yet to be inserted. I've contacted XXXX, to which they have stated that they've got everything upto date for reinsertion, however, each bureau has told me that they've yet to see any updates from the creditor.

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 2022-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have spent more than 8 hours of my time trying to resolve this credit card fraud issue with Bank of America I am attaching my phone records which have highlighted the numerous calls I have made. On three separate occasions I made calls to the fraud department and instituted the fraud review. Each time I was assured that the charges would be refunded only to have the fraudulent charges be reinstated on my bill. The last time I spoke to someone at BofA, I escalated the matter to a supervisor ( XXXX ) on XX/XX/22. I submitted a police report to XXXX ( attached ). She explained that BofA 's computer algorithm was not designed for my situation and my fraud claim would likely be rejected. Timeline of fraud : on XX/XX/22, I got gas at XXXX on XXXX XXXX, XXXX CA. I don't know how I lost my card but the first fraudulent transaction occurred there after I got gas there. I didn't know I had lost my card until I got a suspicious transaction report via email from BofA on XX/XX/22 at XXXX ( attached ). XX/XX/22 I responded that I did not recognize the transaction and cancelled the card that night. The next morning I researched the charges and determined that {$4800.00} charges were fraudulently made XXXX. I use the BofA card for many online purchases. My review of the charges during that time excluded any of those charges and only includes the physical card fraudulent purchases that neither I, nor the other cardholder ( XXXX XXXX ), made. XXXX and I are willing to provide attestations to this fact. We are both attorneys and willing to take the steps necessary to make sure this is resolved.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a 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