BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: IN
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:
All three major credit reporting agencies continued to dis regard my attempts via certified mail to furnish proof of debt ownership with an original contract with my wet ink signature. The alleged ownership of the negative accounts reporting on my consumer report has and still are severely impacting me financially and mentally. Ive provided proof of identity and current address and still, they have yet to provide me with proof of debit ownership in accordance to United States consumer laws, I found that these companies have been in major violations in accordance to these federal laws. 

By furnishing these alleged debts my following rights have been and continues to be violated : 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 section 2 : states the a reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681 - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term consumer report does not include ANY REPORT containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for 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 2018-04-01
Company: EQUIFAX, 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:
I paid my credit card balance down almost 2 months ago and Equifax hasnt updated my balance since XX/XX/ 2017. This is preventing me from purchasing my home which i was scheduled to do so within the next few weeks. They are saying they verified my balance and my credit union says they havent. The other two bureaus has since updated my correct balance but Equifax refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX, all XXXX tokens associated with my account were frozen/restricted by Ally Bank. These include my and my wife 's emails addresses and mobile numbers. 

We have discussed at length the issues on 3 separate telephone calls with members of Ally Bank 's team, including some supposedly supervisors ( like XXXX ) who have promised to take action on this. There was a ticket or reference number XXXX that was issued to resolve this, but nothing has happened. 

Unfortunately, your customer service team has not performed well because the problem is not resolved. Its quite disappointing that you have not be able to resolve the XXXX issue. I was promised that this would be resolved in 3-5 days, 10 days, etc. and now its over a month. This may be a case of Bank bullying its customers. 

Attached is the last complaint letter I had sent to Ally Bank.

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 2021-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: Information belongs to someone else

Complaint:
I SENT NUMEROUS AMOUNTS OF REPORTS TO REQUEST FOR VERIFCATION OF REPORTS THAT ARE INCORRECT FRAUDULENT AND ID THEFT. I SENT AN NOTORIZED AFFIDAVIT THAT HAS NOT BEEN LAWFULLY ANSWERED ABOUT MY QUESTION OF METHOD OF VERIFICATION OF THESE ERRORED ACCOUNTS. THE HAVE NOT IN 6 MONTHS OF ME REQUESTING SENT ME WHAT I REQUESTED OF A COPY OF AN ORGINAL WET SIGNED CONTRACT BY ME OBLIGATING ME IN ANY FORM ID THEFT ACCOUNTS NEED TO BE DELETED, ID THEFT, FIALURE TO RESPOND LAWFUL WILLFUL VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/2019 XX/XX/XXXXXXXX XX/XX/2019 XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/2019 XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Approximately 2 months ago I've applied for an American Express card. 
My application wasn't instantly approved and Amex request me to complete a 4506C so they would receive my last tax returns transcripts from the IRS to verify my income. 

I've submitted the 4506-C form and in approximately 2 weeks amex was able to verify my income and received a email from amex stating that my application had been approved and if i've accepted it amex would report a hard inquiry on my credit report.

I've accepted the offer and the account was opened.

2 weeks after my account had been opened I received an email from Amex stating that my mobile number needed to be verified.

I called Amex and the representative start asking me questions about my work. I was under the impression that Amex needed to verify my identity and when the rep asked me the companies that I've worked for I mentioned the 2 companies that were been reported on my credit report.

I've never stated Amex that I was employed since I've been self employed for the past 11 years.

The representative informed me that she was from amex financial review department and she I would need to submit some documents so amex could complete the financial review.

The representative requested my last 2 bank statements, which I've provided immediately and she also requested my last 2 recently paystubs.

I explained the representative that I did not have paystubs since I've been self employed for the past 11 years and that was the information I've provided on my application and Amex was able to verify the accuracy of this information thru my tax returns transcripts, which stated the exactly same income I've provided during the application.

Even having the knowledge that I'm self employed, the representative said that unless I've provided Amex with my 2 last paystubs, my accounts would end up been canceled.

I've tried to speak with a supervisor but he reaffirmed that unless I provided Amex with paystubs, my accounts would be canceled.

It seems that Amex just wanted a reason to canceled my account 's since I've never claimed to be an employee and they keep insisting on documents that I can not provide even after they verified my income thru the transcripts they've received from the IRS during the application process.

It's absolutely unfair for Amex to close my accounts since my credit worthiness haven't changed, I've never had a return payment, I've never provided any inaccuracy information and I was able to prove my income thru my bank statements and tax return transcripts.

Although im a us citizen, I still have an accent and I feel that just wanted a random reason to cancel my accounts and they are not complying with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  / XXXXXXXX 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 explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2020-05-12
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. 
Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XX/XX/XXXX, I sent a letter to the United States XXXX  Court asking do they report bankruptcies to anyone. Therefore, how did the credit bureaus edify my bankruptcy as 100 percent accurate if this is the case? They never conducted a fair investigation according to the United States Code 15 USC 1681.

Code Compliance 15 USC 1681, section ( 3 ) ( E ) states : 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. However ; such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

- They violated my rights numerous times - The credit bureaus violated my given rights under 15 USC 1681 - According To 15 USC 1681 ( Section 602 A, states that I have the right to privacy ) - According To 15 USC 1681 ( Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- According To : 15 USC 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, XXXX XXXX : # XXXX, 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 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 2023-11-13
Company: Opportunity Financial, LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX Opportunity Financial Account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: LA
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:
605A-15 U.S.C. 1681c-1 VIOLATION FRAUD ALERTS-Correct identity information and phone number for fraud alert request denied and ignored.

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 2023-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hi there, I have a small business checking and savings account with Chase Banking. We used a service called XXXX XXXXWePay to receive clients ' payments via credit card. The payment gets sent to WePay which is usually automatically transferred into our Chase business checking account. 

The screenshot below with the title " Sales Activity '' is the app from WePay. On there, you can see that my customers have made 3 payments : XX/XX/XXXX : {$400.00}, XX/XX/XXXX : {$400.00}, and XX/XX/XXXX : {$650.00}. These payments were NOT transferred into my Chase business checking account as they normally are supposed to. 

Furthermore, WePay emailed me saying that my WePay account has been closed for " high risk of chargebacks or dispute ''. Now when trying to log in to the WePay account, it is no longer accessible and they have not released the total funds of {$1400.00}. 

When I called WePay for clarification, they did not give any information about why the account was closed without notification and did not share what they meant by " high risk of chargebacks or dispute ''. They said that we needed to appeal via email ( XXXX ) for the funds to be released. I have emailed them and have not heard back and am concerned about my money being held captive by them. 

I have already met with my bank representative at Chase Banking and they can not get clarity on how funds can be released accordingly as they are not WePay. My customers have already been charged and WePay is holding the money in reserve. 

I would really appreciate any assistance in helping my funds get released. This has been really frustrating and I need help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an XXXX XXXX XXXX which has an annual fee of {$450.00} billed every XXXX. In XXXX I downgraded to a NO annual fee card and I was supposed to get a prorated refund for the remainder of the year till XX/XX/XXXX. 

In XXXX I received an upgrade offer. In XXXX, I was told I am not eligible for the upgrade bonus offer. So I downgraded again. 
But I never received the annual prorated fee from XXXX. 
In XXXX I was told they will open a ticket and let me know when and how much would I get the prorated annual fee refund? 

I have still not received the prorated refund. 
I have already contacted more than 5 times regarding this issue and still no resolution. 

On XX/XX/XXXX when I contacted Amex again, they are telling me they can give a prorated refund of {$75.00} only instead of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Mid-South Adjustment Co., Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged a pay-to-pay fee of {$12.00} by this company. 

A CFPB advisory opinion, published at 87 Fed. Reg. 39733 ( XX/XX/2022 ), clarifies the limits on a debt collectors ability to charge pay-to-pay or convenience fees under the Fair Debt Collection Practices Act ( FDCPA ). The advisory opinion also has important implications as to a wide array of other charges assessed by debt collectors.

Pay-to-pay charges or convenience fees are added charges when a consumer makes certain types of payments by telephone or on a website. The CFPB advisory opinion explains when a debt collector assessing these charges violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) that prohibits collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The advisory opinions logic applies to other debt collector fees and charges.

This fee violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) and needs to be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation