BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing this report on behalf of XXXX XXXX XXXX as evidence to justify a full and independent audit of our account. 

I happened to notice some evidence that I could send to the CFPB ( Consumer Financial Protection Bureau ) to support that our account is being monkeyed around with and this has been going on for some years. 

XX/XX/2023 Transaction ID XXXX " GENERAL BONUS '' I have absolutely NO IDEA what a general bonus is and we check the balance daily we have never noticed money from nowhere show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: COMMERCE BANK
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
My wife and I have had a vehicle loan with Commerce Bank since 2017. For the past two-and-a-half years, since we moved addresses, we have not received any monthly statement. We continue to pay our loan through their online portal. But their online portal does not have any way to access any sort of statement, it just takes money. As a result, we can't be sure exactly when our payments are due, what the exact amount due each month is, or how much is left on our loan. We are essentially guessing on due dates and amounts based off the few statements we received at the beginning of the loan. We have called Commerce Bank roughly 8 times trying to get them to send us a statement. Each time we give them updated address information and each time they still have our old address. They continue to fail to send us any statement. 
I am concerned this will eventually affect our credit. I am more concerned that Commerce Bank is doing something shady or illegal regarding our loan because, at this point, we have no way to tell what is happening with our loan and our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CA
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. 

Acct number : XXXX Acct name : XXXX XXXX. 
Acct number : XXXX Acct name : XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX  Dismissed Acct number : XXXX Acct name : XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number ; XXXX Acct name : XXXX XXXXXXXX XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXXcct number : XXXX Acct Name : XXXX XXXX Dismissal Acct number : XXXX Acct Name : XXXX XXXX XXXX As 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 writing instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer repot containing any of the following items of information any other adverse item of information, other than rords of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s- 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 2021-05-10
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.

LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : MACYS/DSNB XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, 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 2022-04-20
Company: EQUIFAX, INC.
State: IL
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:
I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX/ {$1000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Sr, My name is XXXX XXXX ; I have try more then once to open a basic checking account with CITIBANK N.A. in the State Of Florida and I has been declined, I don't know why. The request has been for a joint account with my wife XXXX XXXX. I feel discriminated by this bank Institution maybe do to my financial level. I like to have a explanation and see if my thinking is correct.

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 2023-01-31
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Have not received miles for purchases that I made in XXXX! I should receive XXXX miles for restauarant purchases back in XXXX! It is now XXXX and I still havent received them. Every time I contact Amex I have been told they were issues pending/ they said this 3 months ago. And I still havent received a single mile out of the over XXXX miles I have earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a late payment posted to my consumers report on the account XXXX Account numberXXXX late payment of XX/XX/2022. 15 usc 1666b there was no billing statement sent 21 days before the payment was due. The credit agencies has failed to validate information that is posted. Ive asked for this account to be verified and accurate all three credit agencies are reporting different balances ... and failed to update the comment section notice of my dispute.. The account has different scheduled payment amounts, no last activity, different closed dates. and term agreement. Ive sent the same dispute to each agency and no response of the " validation '' just verified with no supporting documentation

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
In the Code of Federal Regulations Under XXXX Billing errorresolution under C2 it statesC2 - The Creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.I openeda disputeagainstXXXX that was billed on XXXX XXXX in the amount of {$2000.00} on XX/XX/XXXX, I was credied the {$2000.00} on XX/XX/XXXX. I didn't hear from Capital One about this dispute and was rebilled on XXXX XXXX XXXX - XX/XX/XXXX is 106 days which is past the allowed 90 days by law. 
I didn't receivethe paperwork that Capital One states they sent out. This is not the first time I haven't receiveddisputed paperwork.

OnXXXX I receivedpaperwork from Capital One with conflicting info.Case numberon this page was XXXX, they state I opened the case on XX/XX/XXXX. This was a different case and they are mixing cases, see below..XXXX XXXX, XXXX I opened a disputeagainst XXXX for a purchase on XXXX in the amount of {$2000.00} I sent in paperwork and it was rebilled on May 11thMay 11, XXXX I opened up a different dispute against XXXX in the amount of {$2000.00} for the purchase on XX/XX/XXXX this was rebilled on XX/XX/XXXX, XXXX.They have the same case numbers on both disputes which are two different disputes.I have a picture of each dispute side by side and you can see it has the same case number XXXXOn XX/XX/XXXX I received a letter saying they receivedmy response which is a lie. I never sent anything in because I never received any paperwork for the {$2000.00} dispute.Capital One has done 3 things wrong and I would like a response to each 1. They are combiningtwo different cases2. I did not receiveMay XXXX letter of instructions to send in paperwork.3. It took 106 days to end the case which is more than the 90 days allowed. ( Capital One has never given an answer to why they took longer than 90 days ) My lawyers have reached out, Capital One sent me a letter with another Capital One different case number XXXX. I tried to give consentbut the rep didn't know what I was talking about and how to put it into the system. 
Under the Federal Trade Commission under Disputing Credit Card Charges it statesComplaints -You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge as long as it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs. 
Capital One can contact me directly or through the CFPB. If this can not get settled then I will be taking Capital One to court for breaking the law. The law is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: SC
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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 2021-05-10
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Car/lease was paid off in full from my car insurance due to total loss on XX/XX/20 For XXXX. 
On my credit it is showing XXXX from this company Chrysler Capital. 
I called. Chrysler Capital, according to them car was paid off in full and they dont know about the XXXX on my credit. 
No one could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: IN
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:
I have a XXXX XXXX credit card issued by Chase. The card was advertised heavily to offer one free checked bag per person when the card is used to purchase XXXX tickets. Several times XXXX has required me to pay to check the bag, but has then refunded the amount I paid. For a trip in XXXX, however, XXXX refused to refund the amount ( {$150.00} ). I tried to dispute the amount with Chase, but they will not let me file a dispute, since I agreed to pay the charge when I checked the bag. Yes, standing at the airport with a large bag an hour and a half before my flight, I agreed to pay the charge ( because I had no other choice ), and assumed it would be refunded. Chase insists I have no recourse with them, even though it was their advertisement of the incentive of free checked bags that caused me to apply for and use their credit card. The flights were on XXXX XXXX, XXXX  ; my husband and I were each charged {$75.00}. I have talked to Chase on the phone and tried to file a dispute through their web site. ( XXXX agrees that I was not supposed to pay for the bags, but they issued a travel credit for {$150.00}. I have told XXXX I don't want a travel credit, I want a refund, but no-one at XXXX seems to have the authority to reverse the travel credit and issue a refund. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
The person ( XXXX XXXX ) was trying to get a hold of my SSN and my drivers license. 
He wrote and XXXX me a check for XXXX The check bounced in my account, and now my account is negative balance. Was having me go to the Bitcoin Atm ( Have Receipt Record I Gave me a QR code to scan at ATM through XXXX App on XXXX ). It was supposed to be for equipment. I never received the equipment. ( False Vendor ) names XXXX XXXX, XXXX XXXX, XXXX XXXX. 
XXXX XXXX name XXXX XXXX. CFO names XXXX XXXX XXXX, XXXX XXXX. I suspect the check as fraudulent activity. He ( XXXX ) was also trying to get a hold of my WIFI password, XXXX XXXX PIN. I belive this is a scam this was through the XXXX app and I have record of entire conversation. XXXX was also telling me that the companys Lawyer was going to the bank on my behalf to reverse the charges.He never did. ( I did not get the lawyers name ). This was for a remote job Position

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 2023-05-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 an open end consumer credit plan as late for any purpose.

Repost

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 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
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:
Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XX/XX/2023, because of these numerous inconsistencies they have furnished on my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX. XXXX XXXX XXXX Account 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 2023-05-10
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: Personal information incorrect

Complaint:
on XX/XX/XXXXXXXX  i attempted to disupte my address information online with experian. I waas unable to, but directed to call a phone number instead. I spke with a XXXX rep with XXXX accent. I told him that I wanted to delete all my old addresses and add my new address. He told me that I could not delete my old address as they are tied to accounts and told me to contact those accounts and have them update my address. I protested and told him that I dont think that was right and asked to speak to supervisor or someone in fraud department. The second XXXX  who sounded XXXX  XXXX assisted me. I told him that i lost my home in foreclosure back in XXXX and I need that address deleted. It was the XXXX XXXX  XXXX  location. I also asked for XXXX XXXX XXXXXXXX to be deleted and for my name to be shown as XXXXXXXX XXXX XXXXXXXX. He claimed he disputed everything. I gor an email about the update. However, when I went back to check, only 1 of the 3 addresses were disputed and no of the names. I recorded this call as well. please email me at XXXX for copy of recording

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 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are two loans on my credit report that are not mine I have been disputing these for some time now and nothing is happening no one is helping me!!! 

XXXX - Acct # XXXX Amt {$2800.00} Opened XX/XX/2002 XXXX  - Acct # XXXX Amt {$2200.00} Opened XX/XX/2002 2002

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