BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a XXXX American Express Virtual Card in the amount of XXXX from my employer. 
Although the card claims to be valid everywhere that American Express is accepted, it is declined 99 % of the time. I have a Balance of {$300.00} I can not use anywhere. 
The customer service number only offers an IVR with no solution and no option to speak to a person for a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received the fake email from milestone for credit card offer for {$700.00} I know it's because there's a lot of other stuff that's with this that makes no sense that somebody trying to get my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: I.C. System, Inc.
State: TN
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:
On XX/XX/XXXX. I.C Systems flagged my consumer report with an account from XXXX. After spending hours on the phone with XXXX, I was notified that this account was open fraudulently in XXXX under my name. There was no social security number tied to the account just my name and an address that I never lived at and not familiar with. I.C Systems have violated my rights under the FCRA " Permissible purposes of the consumer report '' 15 USC 1681b. They are furnishing my consumer report without my permission. They also failed to conduct the proper investigation concerning this account which is another violation under the FCRA. Attached to this complaint is a police report, FTC report, and the leasing agreement where I was living at from XXXX which is in XXXX, FL. This is proof that there's no way I am tied to this account and I am in fact a victim of fraud! I am demanding this account to be deleted and all my information to be removed from your files or I will seek litigation. Note that I am documenting everything and keeping all replies for court purposes.

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 2018-09-11
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In late XX/XX/XXXX I received a letter from Experian notifying me that a creditor had reported a change to my name, address, or SS #. My wife got a similar letter earlier in 2018, and it was connected with identity theft, so I was concerned. The letter stated that I could order a copy of my credit report from Experian if I wished to view the changes. 

Instead, on XX/XX/2018 I tried requesting a free annual Experian credit report through XXXX. I was told my request could not be processed online and that I should mail my request. I downloaded the appropriate Annual Credit Report Request Form from that website, filled it in completely, and mailed it that day to the address specified. 

On XX/XX/2018 I received a letter from Experian telling me they did not have enough information to process my request. The Experian letter says I need to supply a photo id and a copy of a utility, bank, or insurance bill showing my address, in addition to all the information I already supplied. 

The Experian letter says nothing at all about where to send the required information, although it does display a small post office box address at the top left of the form letter. I have no idea whether I should send the required information to the address indicated on the Experian form letter, or to the address specified at XXXX. 

On XX/XX/2018 I went to the Experian website to find someone who could clarify where to send my request. The " Contact Us ''  section of the Experian website merely refers me back to XXXX, where I started, and provides no human contact information that I can see. 

The Experian website does contain an offer to sign up for " free '' monthly credit reports from Experian. The process apparently involves four steps, which I have not pursued. Experian 's website provides significantly more and better information about how to sign up for this proprietary credit reporting service than it does about how to complete a free annual report request. 

I still have no information about what creditor reported the change and what change they reported, because I have been unable to access my free credit report. I have reached an apparent dead end.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
Over 30 days ago, I mailed off some consumer law letters via certified mail to all three credit bureaus. Transunion, XXXX and XXXX. There is only one address that should be showing up. There are inquiries that I didnt authorize that are on there and when I called Transunion , I was told that I had to get an authorization letter from the company AND myself and mail it in and list the inquiries and send both to them. How can I get an authorization letter for an account I dont have and didnt apply for? I also dont want my late payments section showing on my credit report. By law, thats supposed be something thats just between my creditor and myself!

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 2019-04-08
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am lodging a formal complaint against trident asset. this debt collector has continued to report negative information on my XXXX credit report without validating the debt. ive sent this company numerous debt validation letters, but they ignore them which is a violation of the fcra. this debt is for {$140.00} and its from XXXX. the problem is I never had an account with XXXX. ive continued to tell asset this but they don't care. im requesting this account be deleted from my XXXX credit report, or I will sue for violation of fcra. thanks for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: D2 Management LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX (? ) from XXXX XXXX XXXX. called my wife 's phone asking for me. He wanted to verify my social and DOB without telling me who he was calling on behalf of. Gave ma a call back number and was very rude. I told him I would not verify information, but if he told me what company i supposedly owed, I would contact them directly. 

I called them back from my phone and they knew who I was as soon as they answered and told them to validate the debt and send paperwork to my address since they know so much about me. Said they could not send anything without verifying my identity first. 

Asked for a business address and they gave me an address in XXXX, SC and was calling from a local phone number in XXXX, Or. 

I do not plan on responding until they validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown {$820.00} collection US DEPT account on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still XXXX continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

XXXX has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution. 

Tracking 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 2020-02-17
Company: AMERICASH
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I was having a furnace problem that needed to be replaced right away and took out a payday loan with Americash loans in XXXX Wisconsin and was told, if I recommend someone, I would get a reward of {$100.00}, deposited into my checking account, the date of the person first payment withdrawal from their checking account. I recommended a relative, who took out a loan in my presence. The store manager XXXX, told me and my realative, for my recommendation of the relative, I get {$100.00}, deposited into the checking account, the first day of my relatives payment on XX/XX/2020. XXXX, seemed really nice at the time of the loan, my relative took out. But was not being honest and proved the untruths on XX/XX/2020. 
I checked my account for the {$100.00}, on XX/XX/2020 and the {$100.00}, was not deposited into my account. I called the store, and the store manager, XXXX, answered and gave a fake name as XXXX, and stated that they do not deposit money into accounts for recommendations, into accounts and I would have to wait for 10 days to receive a check in the mail. I stated to XXXX, who was not honest about her name, which I recognized her voice from talking to her, the day my relative took out her loan, XXXX assisted her. XXXX, was very rude and I told her my relative was my witness, to XXXX, telling us the {$100.00}, would be deposited into my account. XXXX, was rude, so I asked her for Americash corporate office to file an complaint against XXXX, and the store on XXXX XXXX XXXX in XXXX , WI. XXXX, stated the phone number fast, and hung up on me, before I could write the number down. I had to call back, and ask for the number again to Coporate. XXXX, having calling ID, once again identified herself as XXXX. I asked XXXX for corporate 's number once again, at slower pace. I was given customer service number and spoke wait a supervisor who took my complaint and apologized. I asked she would have a district manager call me. A guy name XXXX, who stated he was the area Manager call me later the day on XX/XX/2020. He was very rude and stereotyped me, which I stated to him, I felt he was being XXXX. I told him, that XXXX, told me and my relative regarding the referral {$100.00}, being deposited into my checking account on XX/XX/2020. untruths and also that XXXX, identified herself as XXXX, XXXX, stated he did not believe me and XXXX has been with Americash for 3 years and she was a good for their company. I told XXXX, since your phones are monitored listen to the call, from my phone to your office, today, XX/XX/2020. XXXX, stated to me since, I stated to him, he might be XXXX  he hung up on me. What XXXX, and XXXX, fail to realize is that, they need customers, to keep their jobs, I recommend, if anyone is in need for emergency money, do not use Americash!

Company response to consumer: Untimely response
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX, my home was approved for a short sale ; the sale was completed on XX/XX/XXXX. In XXXX of XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed. 

I spoke with XXXX  XXXX XXXX, who said they couldn't correct the error because I was no longer a customer. 

I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from XXXX XXXX XXXX stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance XXXX {$6700.00} ; XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
on XX/XX/2018 my account was overdrawn by {$63.00} the following day XX/XX/2018 i am going to deposit {$70.00} so that i will not be charged by insufficient fee but when i check my account online i was charged 3 insufficient fee of {$34.00} total of {$100.00} i called the bank and ask them why they charged me of 3 insufficient fee they said that my account was overdrawn 3 times i told them that on XX/XX/2018 i still have enough fund in my account .they did a double entry to my account that is why my account was overdraw 3 times.I told them that i will file a complaint.i even ask them if they can wave the penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent payment and satisfied the debt with Capital One on XX/XX/2023 in the amount of {$530.00} ( see attached photos ) as you will see in photo screen shot I have taken from my application. Soon thereafter I received a docusign email on XX/XX/2023 From XXXX XXXX with the proof of my account paid in full. 

I received a notification from credit monitoring service that this account has reported past due and the balance is still showing. 

I am filing this complaint with proof of debt satisfied and want them to stop reporting in error in violation of my consumer law Rights. My intention is to sue if this is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Credit Karma, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My name is XXXX XXXX and now Im a victim of fraud!. Someone in another state open a credit card in XXXX XXXX under my name. I called them several times, and no one give me an answer. They transfer the calls. I never open an account with that bank. Please I need to delete this issue from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everting was complete and accurate according tc 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is experian did not modify or removed anything.

The date open is not correct, date last active is not correct one of my credit report, date of last payment is not correct on Experian reports Which is a violation. This is impacting me from moving forward to buying a car for my family. 
I attach my previous credit report and my new credit report to show how Experian violated my 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 explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. CAPITAL ONE XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I paid my vehicle in full on XX/XX/2021. Prior to paying my car off, I had made a payment arrangement to make payments on XX/XX/2021 and XX/XX/2021. They started charging late fees and sending several notices about my need to pay off balance. I was shocked that they being so aggressive about 2 deferred payments that extended my loan date being XX/XX/2021. I borrowed money from my sister and paid my balance in full on XX/XX/2021. I contacted customer service twice as having assurance no money to be charged as I paid vehicle in full. The second time I contacted them was about a letter to take money out of my account. I called customer service to ask about the letter stating my car was paid off. They said yes my car was paid in full. On XX/XX/2021 Chase auto took {$350.00} from my bank account Today is XX/XX/2021 and and I have yet to receive my money. I am on social security. Their actions caused me over draft charges and I had to borrow {$350.00} dollars from my sister in order to bring my bank balance back to pay the funds Chase bank took from me. I do not believe their poor business practices are ethical. I paid my balance on me loan on XX/XX/2021 on XX/XX/2021 they took my money. I do not believe that should have ever happened. I feel they should have immediately reimbursed my money and as of XX/XX/2021 I have yet to received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, XXXX delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late

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