BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2022-04-12
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a mortgage account XXXX and a linked checking account XXXX with key bank. In the statement of checking account, it says we get monthly fee waive with mortgage account. But I got charge for monthly fee XXXX on XX/XX/2022. They refused to refund me and says I didn't set ACH correctly without telling me ahead of time at all. In addition, in the online portal no way to pay from other account besides transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received email from Capital one on XX/XX/XXXX that I can get 0 % promotional APR on purchases till XX/XX/XXXX. I accepted the offer. Now Capital one charged interest and saying I didn't accept the offer. Capital one does this to other customer as well. One of my friend also report this. They tweak their system so acceptance is offer is null after some time. They don't let customer know about transaction as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX  I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXX XXXX properly investigated this account because there are obvious inaccuracies. 

First off, the Account Number does not match. XXXX is reporting XXXX while Experian and XXXX are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. 

The date of the last activity does not match- XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- XXXX is reporting the date of the last payment as XX/XX/XXXX while Experian and XXXX are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. 

XXXX is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX  XXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

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 2021-09-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The mortgage of my primary resident at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX have been purchased, without my consent by PHH Mortgage ( from XXXX loans ). Since I have automated payments for all my loans ( including previous ones ) I have never had any late payment issues and my credit score has been excellent. Since PHH Mortgage took my loan over, I have been trying to set up automated payment through their website. The first roadblock was they required me to fill out an amendment to start re occurring payments. The content of this amendment included non-payment related items. This company obliges you to sign off on these non-related items to accept my autopay request. Anyways, just to comply and move forward I signed and moved forward. I called them again and set up the automated payments together with one of their customer service representatives. A few months later I received a letter from them that I was late on mortgage payments. I called them again and disputed all late fee charges and set up once again the automated payments. A few months later I received another letter stating that I was late on payments. I went online and saw that in fact I was kicked out once again from automated payments. At the same time, I was trying to purchase a new home. When my loan officer pulled my credit, we realized that this company reported late payments and my credit score went down to XXXX from 800s. Despite all my efforts to rectify this issue, not only my credit score was affected also I will probably not be able to purchase a home a really like. I have a good amount of funds in my bank accounts, had excellent credit scores before PHH Mortgage acquired my loan and have no reason to pay late or not pay at all. It is quite the opposite ; my efforts are to keep my credit score high. Until today, after multiple phone calls and hours of conversations over the phone I am in this situation, and this is not right. Out of frustration, after one of my calls, I filed a complaint about PHH Mortgage to XXXX and I saw that there were similar complaints about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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:
EQUIFAX continues to violate my federally protected consumer rights. I am a consumer and natural person. I never consented with EQUIFAX to have or share my personal information. I demand that EQUIFAX immediately delete accounts XXXX XXXX/ XXXX and both DEPT OF ED / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

US DEPT ED # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor to XXXX and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. 

I hereby further dispute XXXX XXXX, XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX, XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/2021 I used my BlueBird by American Express to transfer funds from my Checking Account ( XXXX ) to my BlueBird card. I have a {$500.00} limit on my XXXX card for withdraws and needed to withdraw {$750.00} to fix my vehicle. After speaking with XXXX I was able to withdraw the full amount needed and instead moved about {$30.00} into my Bluebird card for my significant other to use. After checking my Bluebird account via their online app I saw the funds were there and available. Today XX/XX/2021 I tried logging into my Bluebird account again and I was locked out. I called their customer service number ( which has no way to get in contact with a customer service representative ) and found out via a recording that my card had been suspended. I checked my email and was sent a generic letter saying that my account was suspended indefinitely for activity that went against " section 22 ( d ) in my membership agreement ''. After looking up the section 22d I am still confused and not able to get ahold of any customer service representative regardless of the several numbers listed on their website. No where in the membership agreement or section 22d does it state what will happen to funds left in the account upon closure. I have had many many issues with the BlueBird by American Express in the past ( My account was hacked into, I was locked out, the App never works and always says the system is down, among many other issues ) I kept this card as a backup to move funds into periodically for use by my significant other and am not upset my account was suspended as this company is troublesome all together, and I would never recommend anyone to get a BlueBird by American Express card. However I would like to be able to speak with a Customer service representative when issue occur but it seems as though this company does not want its customers to get ahold of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt and I have never spoken to anyone regarding this debt being owed. Please provide proof with my signature that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 asked specific questions. I got no answers at all. Let 's try again.

1. What will it take to close down a loansharking business like Capital One?

2. How is a pre-approved credit card offer at 24.99 % to 27.99 % reasonable, respectable, or a good thing for any prospective customer? How is this even ethical?

3. How is charging fees for late payments, insufficient fund payments, yearly subscription, or any other fee more than 200 % over actual processing charges reasonable?

4. What laws do you use to loan shark?

5. What will it take to remove or mark my personal information so it is not used or distributed to partners or other businesses permanently and require my express written permission to be used at all by anyone? 

I submitted a complaint and Capital One responded by refusing to answer my questions and only removed my personal information from Capital One 's contact list for 3 years. They refused to contact their partners to do the same. 3 years is unacceptable, and not contacting their partners unethical and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When I opened my care free checking account, I was NOT told there was a different routing number for online only. I went back to the bank in XXXX and retrieved from the teller, the routing number I needed to have for online banking. I used my direct deposit routing number for my rent but was the wrong one, unbeknownst to me. The automatic rent take out never posted and was declined by the rent company so it left me with owing for XXXX, XXXX {$600.00}. I cancelled the automatic which I am paying in partial payments to the property management. The routing number for online banking, which was given to me from the teller is : XXXXXXXX  My direct deposit is different and everything is okay for that. 
My checking account number is XXXX XXXX XXXX XXXX The teller suggested XXXX XXXX was distracted at the time. That was the teller 's excuse. 
The state I thought was a state bank but it is federal and was directed to contact you. 
I have, in my email, the state is forwarding my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This bank has called a total of 19 times, Im not the person they are trying to reach. Wrong number or perhaps Ive been givin a phone number of a past customer. However I owe these people nothing.

Im a senior citizen, my calls are lotted, every time they call it goes towards my minutes.

Please have them not call me number any further. Again Im not the individual they are looking for.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2020-02-23
Company: Avant Credit Corporation
State: RI
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 a working replacement card

Complaint:
Avan credit card I ipplied was denied right on the spot I have other credit cards XXXX   XXXX XXXX  XXXX XXXX XXXX and avant- just denied me their service for not reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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:
Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out Equifax, XXXX & XXXX but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( Equifax, XXXX XXXX XXXX ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Constar Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/2022 to pay a collection from Constar Financial, in the amount of XXXX. I didn't recognize the debt so I sent a letter of validation letter on XX/XX/2022 via certified mail. I received validation of debt letter back from Constar on XX/XX/2022 saying that I personally owe them money for a vehicle that is in a business entity, the sales contract with the dealership doesn't have my name on any of the paperwork as this being personally guaranteed by me or that I was listed as a co buyer of this vehicle. This vehicle was purchased in the name of the company using the companies credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
American Express canceled Delta Sky Miles credit card because I complained about being unable to read the account number of the back of the card. XXXX cancelled the card without any notice or any information on rights of appeal on or about XX/XX/2021. 

I called Amex customer service to request a review of this decision but was summarily rejected. The representive who answered my call alleged that I had violated XXXX rules regarding customer abuse, but offered no access to information on the offense such as dates, recordings, reports, or any other substantive information on the process. I was told twice that I could only receive further information on the alleged offense only with a subpoena. 

I told the customer service agent at XXXX that I was XXXX years old when I received the card with the number embossed in light gold on a background of deep purple ( Delta 's colors ) and that I had difficulty reading the card because of age. I also made clear that I had been upset with a Delta representative who implied that I should have been able to read the card even though I wear prescription reading and long-distance glasses. It was a brutal conversation and humiliating experience. 

Moreover, I believe the XXXX decision was both ageist and ableist. I admit that I was quite upset about the decision and made my concerns adamantly clear in my conversations with XXXX. All I asked for by way of a resolution was a card that I could read with a magnifying glass and a high-wattage lamp. The representative added to the injury with a patronizing stance and without mentioning any options for further review and a possible refund of my annual {$550.00} fee. 

That's it. Arbitrary, nasty, ageist, and ableist, yet no route for review or appeal.

Company response to consumer: Closed with explanation