BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

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 XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX - {$0.00} -HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX, personal XX/XX/XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS EXPERIAN XXXXXXXX XXXX XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XX/XX/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 of 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 2023-04-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2600.00}

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 2017-05-04
Company: Bread Financial Holdings, Inc.
State: SC
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:
I booked a vacation home with a vendor and the vendor request payment via  XXXX . So, I used my  XXXX  account to make the payment directly from my bank account. Unbeknownst to me,  XXXX  automatically created a credit account without my consent. I did not want a credit card account with  XXXX . This scam has been widely reported. I thought I was paying with my bank account and then a few weeks later I got a credit card wiith a bill. I immediately paid it off and never used the credit card. I few weeks ago, I had another vendor for a cleaning service request payment via  XXXX . Again, this went on the credit account that I never wanted to use and I got another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I XXXX L XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my BJ 's Credit Card bill in full ( {$2600.00} ) on XX/XX/XXXX. The money was paid through bill pay from my joint account with my husband at XXXXXXXX XXXX. I realized quickly that it hadn't been credited and called five different times before finally emailing the bank on XX/XX/XXXX. Unfortunately, I did not keep a record of the dates of the calls. What was eventually determined is that I had sent the payment to an old account that was now closed. I had proof in the form of a debit tracer from XXXX showing that Comenity had received the funds by bank transfer and the account number that the money was paid to. 

As my husband and I continued to call to follow up on this matter, we have been informed three different times that a dispute was filed, and we needed to give them 90 days to resolve the problem. The two notifications that I have on record from the bank include an email response saying that a dispute was initiated on XX/XX/XXXX and a letter on XX/XX/XXXX saying that they need to investigate, and we should allow up to 90 days. It has been more than 90 days from the XX/XX/XXXX date of initiation of the dispute and six months since I paid the XXXX monthly bill. The money still has not been credited to the account and interest has been accumulating. We have continued to call the bank. At one point they said that they never received proof of payment even though the debit tracer was still an attachment on my messaging account with them, we resent it on XX/XX/XXXX and still no response. 

A complaint was sent to FDIC on XXXX and on XXXX FDIC informed me that the CFPB was the correct place for the complaint and that it was being forwarded. The Reference number is XXXX. In checking the CFPB website, I can't find a record of the original complaint. 

Please help us resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received attorney advertisements regarding a lawsuit filed against me on   X/XX/2017     by Jefferson Capital Systems , LLC for {$250.00}. This is the first notification I received regarding the debt. I contacted  Jefferson Capital t o find out who they obtained the debt from and found out that this debt is from a closed bank account from  XXXX  with   XXXX    XXXX   XXXX . I have n't had any contact or made any payments to  XXXX   XXXX  since closing the account. The statue of limitations to collect a debt in the state of Texas is 4 years after the last payment was received. I 've contacted an attorney that will charge me {$350.00} an hour to fight this frivolous lawsuit. If I lose, I will have to pay  Jefferson Capital 's a ttorney 's fees as well. I plan on fighting this in every way I possibly can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: SYNCHRONY FINANCIAL
State: AZ
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:
There are several disputes on my  Sams Club Credit Card which have not been resolved by the bank.      Every time I call the  Disputes  Department they say they are being investigated.

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 2019-08-07
Company: AMERICAN EXPRESS COMPANY
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: Overcharged for something you did purchase with the card

Complaint:
My Platinum American Express Delta SkyMiles with an annual fee of {$190.00} has few flaws that are outstanding! Recently I made a purchase of two plane tickets on XX/XX/2019 with Delta and used my AMEX Delta as I always do to pay. Got my confirmation and receipt and everything looked good. Days later I noticed the charge on my card is double what it should have been and 4 tickets were issued for same passengers and same rout and same time! Here comes the first short coming with this card, means of contact if you have a problem is : call, chat, write a physical letter. No email option is given, which means I was glued to my computer to live chat with someone about this problem of double charged and It took me more than 3 hours and was an  exhausting process since they tried first to convince me " may be it is  the Tax ''! My chat should be in their document but when I asked to send me a copy of our chat they refused. I am in shock how a platinum {$190.00} fee card, failed to protect me and notify me with a fraud alert of such an apparent mistake. Who buys 4 seats for 2 people for same flight? This means I had no protection. my other cards however, have a fraud alert even when I pump gas in other states they stop working until I reassure them it is me. And no this is not a feature that I turned on it came with my other card for free. Amex never explained what went wrong but the dispute was resolved 25 days after. What I need from them is : 1-Have email communication available for customers so people wont be glued to phone or computer for a long time 2-explain why they failed to detect the overcharge when so clear and notify me and on top of that when I complained their untrained employee tried to make the over charge legitimate by writing back to me " may be it is Tax '' and I decided to lay out the math of charges for her. 3- I deserve the annual fee for this year to be credited to my account due to lack of their services. They have already billed me for this year few days ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter off XX/XX/2023. Here is the tracking # XXXX. To remove inaccurate information from my credit report. According to the fair reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-12-14
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was reported unauthorized transaction on XX/XX/XXXX for claim total {$7700.00}. They reply me email on second day saying my claim was denied. Then I send email to them ask why my claim was denied and they said will email me the documents for the reasons. After that they send me a email that will closed my checking account. I feel very angry and I want my my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I wired funds from my bank account according to instructions given to me by ( which were provided by JP Morgan Chase to ) the payee. It turned out that the payee had two accounts at JP Morgan Chase, XXXX with their investment division and the other with the regular bank. They gave me the Routing number for the investment division, but the account number was for their savings account. It took several days to learn what happened to the wire ( Chase simply held it in limbo, not rejecting it, nor letting anyone know they were having issues determining where it should be ). It took the payee 's personal banker at Chase to finally find out what happened ( and finally admit it was Chase 's fault, not mine ). However, it turned out that Chase could not internally send the money over to their savings account ( when are you going to finally break up these too big to manage banks??? ) and instructed me to have my bank ( XXXX XXXX XXXX ) recall the wire and send it over to the correct account with the correct ABA, which we did. Chase is now charging me ( my bank ) a {$30.00} amendment fee! While I understand that Chase is too big to do anything to, and basically runs roughshod over the rest of the world, I am aghast that they can and do charge non-customers for helping them to clean up their own mess! Please do something about this ( like put some high level executives in jail, or something to stop them from charging non-customers for their inability to know what is going on within different divisions within their own company!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-05-04
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I 've had a student loan with  Citibank  since  XXXX .  Citibank  wrote me a letter in early   XXXX   XXXX   informing me that effective   XXXX   XXXX   XXXX  , my loan would be transferred to another lender  (  XX/XX/XXXX  ) . However, when I attempted to contact  XXXX  after that date, they informed me that they had no record of my loan. I believe that my loan was paid in full sometime  in  XX/XX/XXXX , but I have not been able to get in touch with anyone at Citibank to receive confirmation of the status of my loan. Citibank has shut down their online customer services, so I can no longer log on to my account. Citibank has also shut down its call-in number, so it 's impossible to get a customer representative on the phone. I 've written Citibank a letter asking for information regarding the status of my loan, but have not yet heard back. As my lender, my understanding is that at the very least, Citibank should be requi red to provide information to me about whether my loan has been paid off or if not, who it has been transferred to.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My car loan was due on  XXXX   XXXX  with Regions Bank. There is a 10 day grace period which I frequently have to use because I travel a lot for work. In the past I have complained to Regions Customer  Service Dept , (  XXXX   )   XXXX  about " courtesy calls '' made during the grace period during work hours of  XXXX  to  XXXX . I typically am back in town and make the payment before the end of the grace period.     Today  XXXX / XXXX /  XXXX  , I am back in town, on my way to get gas and pay on my car loan at a local Regions branch. However, while pumping gas, I missed d 2 calls, one from Regions and one  from my employer. After pumping gas I call my employer who tells me " Regions Bank just called and left a message for you to call them about your debt. '' I immediately returned Regions call and spoke with a Customer Service agent, expressed my disgust with their " debt collection disguised as courtesy calls ''. I informed them it was highly illegal for them to contact my employer and say anything about " my debt '' to them or any other third party. I then stopped at the  Regions Branch  office and paid {$320.00} on my loan which is typically {$310.00} and some change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My daughter ( XXXX ) just got a job and needed to get her pay check direct deposited. I tried to add her to my Netspend debit card account. I had to email the company 's verifications department with a copy of her birth certificate and social security card. In the meantime, my debit card account was locked, I could not make any purchases with my card. And, they held her direct deposit from her employer in a pending state for 3 days, XX/XX/XXXX through XX/XX/2022. After I uploaded the information to them they denied my request to make her an extra card holder. They wanted me to upload my driver 's license and social security card. I refused to do so because I had already done this 5 years prior when I opened the card account. Also, when I spoke with the customer service representatives they did not tell me that any of my information needed to be uploaded. In fact, I spoke with them XX/XX/2022 at XXXXXXXX XXXX  and they told me that the only thing needed was my daughter 's information. Previous phone calls revealed that the customer service reps are telling people the only way to get an extra card holder on the account is to give your social security number to them over the phone. I feel this is a security breach and a violation of the law.

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