BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a American Express Business Platinum card on XX/XX/2023 and on or about XX/XX/2023 American Express suspended all my accounts and wouldn't allow me to make any further charges. On XX/XX/2023 I was charged the annual fee of {$690.00}. I asked Amex to unsuspend my account because their ongoing review is not related to my new account which doesn't have charges related to the ones in their investigation. After their failure to respond I contacted them to close my account so I could receive my annual fee back and they refused to close my account. 
I opened a new credit card for an introductory offer which I plan to fulfill and they suspended my account which prevented me to meeting the terms while also charging an annual fee. They refused to close or unsuspend my account.

Company response to consumer: Closed with 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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.

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 2020-10-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Every month of the year from XX/XX/XXXX to as of now XX/XX/XXXX all negative marks and late payments on a closed account that was obtained with my information and used by some fraudster to scam me and my SSN now discover has a balance of XXXX $ on a credit limit of XXXX $ again I never used that XXXX card! Nor did I ever open that account i have never been a customer of discover card bank XXXX XXXX they have continued to practice criminal behavior they have been told to delete this account and now I have gone to the attorney generals office due to the refusal to comply! The account is not mine it must be removed immediately! Executive office at discover has been complicit in the harm against my fried which was a XXXX when I first realized somebody had used all my old info to obtain this account! They will be sued for this i have XXXX and can not even get a XXXX removed as this has effected my credit and income and my income business! I want it gone now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted a letter to Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a vehicle with US Auto in XXXX SC back in XXXX, the company abruptly shutdown in XXXX of XXXX after I had made 2 payments to them, in XXXX  another company by the name of Westlake took over out nowhere, they never introduced themselves they didn't send any documents for me to sign agreeing on them being my new lender or paying them, they just sent me a bill in my email saying I owed 2 payments for them of {$240.00} that I knew I made in XXXX, I made the payments anyways thinking that maybe I forgot or something, but when I went to there website to see my payment history nothing exist, I couldn't pull anything up they increased my loan amount from where it originally was, they don't send any receipts of payments once made, they'll call and send letters but when I call back to try to speak to someone they don't answer or are very rude, right now I've stop making payments cause I don't want them as my car loan carrier

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday, XX/XX/XXXX, I emailed Chime to tell them that when I tried to transfer {$10000.00} ( the total balance ) out of my Chime checking account to a XXXX XXXX, I was unable to do so. I received an error that said I needed to activate my debit card to do so. I requested a debit card, received it, activated it, confirmed the activation, and was still unable to transfer money out. I emailed Chime a subsequent ten times asking why this was. I sent them screenshots of my app showing that the XXXX account I tried to transfer money to was successfully linked, but that it would not show as an option when I tried to transfer money. I believe this is Chime 's way of preventing customers from leaving their bank, as their email replies were full of unhelpful remarks such as " I know how important for you to know that information ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me.

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit.

I do not want it on my credit at all ...

Under the FCRA and the FDCPA they are in clear violation.

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 2020-10-05
Company: EQUIFAX, INC.
State: MO
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:
This is the 2nd dispute for this matter. 
There are 2 incorrect entries on my report, both for XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX is the bank/lender, and XXXX XXXX is the credit report agency for the bank. Equifax has 3 entries listed on my credit report for hard inquiries, where there should only be ONE ( XX/XX/XXXX ). 
I submitted letters from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX that said the only SOFT inquiries were requested, not hard inquiries and they should not be on my report. I was informed by Equifax that I needed these letters to remove the improper and fraudulent entries on my report. However, when I submitted these documents to them, they ignored them, and ( still ) refuse to remove the fraudulent entries. 
Their lack of professionalism and candor has been appalling throughout this process as they have consistently lied to me on numerous occasions. Furthermore, I provided the EXACT documentation THEY requested themselves, and they continue to act in a belligerent and incompetent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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: Their investigation did not fix an error on your report

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter.

Very Respectfully, 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 2023-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I called in to Capital one to pay my two accounts and the Walmart card which they also manage. The man said he was sorry that my autopay had failed last month and I said me too, and we spent an hour on the line setting up auto pay again with a new checking account number and also I went through the long process of paying each account as well. This is all recorded by Capital one and I am formally requesting that this be listened to in order to validate my statements here. 
On the XXXX late in the day, ( my due date is the XXXX before XXXX eastern ) I received multiple letters from Capital One. No one called me, they just mailed letters which meant I had no time to contact them in order to pay on time. Sending letters to me meant I missed all my payments and was assessed a late fee for each account and also all three accounts were then sent as late to the credit reporting agencies. 
here is what the letters said : your payments made over the phone on XX/XX/XXXX did NOT go through, and your auto pay for each account has also been cancelled. We attempted to process them and your bank rejected them. ( I called my bank and they said NO ATTEMPTS WERE MADE BY CAP One. ) Also the letter said I could never use my checking account to make payments again. 
so, how in the world should I make payments now, I thought. So I called Capital one on XX/XX/XXXX after their XXXX cut off, to make the payments. I was told too bad, you are late because you missed the XXXX deadline, but had just gotten the letters. I called as soon as I got them from the mailbox. I am formally requesting that this call on XX/XX/2023 also be listened to, to support my claims. I was told that the checking account number they had on file for me WAS in fact the correct number! We verified it against my checkbook several times!! she said she didnt know how this could have happened. She and I spent an hour on the phone setting up auto pay once again for all three accounts, and I made my payments ( again ) but NOW I had to pay the EXTRA {$45.00} late fee for each account as well!! Inn order to keep my accounts current, I agreed and I received a confirmation code for EACH PAYMENT that we made again on XX/XX/2023. 
Today, XX/XX/2023 these payments were cancelled. They have NOT been presented by Capital One to my bank, and have NOT been paid. 

I am attempting to keep my accounts current and preserve my credit, but seem unable to do so. All I want to do is make payments and keep autopay on, but I am now THREE Months behind as I am UNABLE to get Capital One to accept my payments!! 

please help me thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My car was stolen in the month of XXXX and I was unable to make my car payments to my lender at Ally Auto due to the financial hardship I was then told that my insurance company XXXX was going to pay Ally Auto the remainder that I owed on the car due to it being totaled. XXXX was having issues with the adjusters and sent the check to them late but they stated they have received it and it shows clear on their 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 2023-08-31
Company: Experian Information Solutions Inc.
State: MI
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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

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 2022-09-16
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be delaying things but I am not going to just wait because this matter of is great importance to my family. I sent the letter on XX/XX/2022, and it's been over a month now. I still haven't received any response from them or any form of update from their end. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer!

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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account opened through unemployment to receive my funds. I 1st had someone steal {$300.00} off of my card on XX/XX/XXXX. I called, filed a claim, than I got a letter in the mail from the bank saying they closed the claim due to fraudulent activity, So I called again, the woman said that they escalated my claim and she wasnt sure why it was closed out. I never received that money back ... Than I had my card stolen again on XX/XX/15 so I called in to tell them, and they sent me a new card. When I called to activate the card they are saying my account is closed/frozen and that I need to get into contact with XXXX to receive funds again. Now the issue here is that XXXX is still releasing the funds to me to that account at Bank of America and Bank of America wont even let me into my account to see or anything. Its been a game of tag back and forth so not only did they not provide me even an investigation or my {$300.00} back but than on top of that they wont let me access the funds that are being deposited into my account!!! Many people are having this problem and I dont know what to do with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired my mother {$800.00} through Zelle and was billed but the money was never received by my mother. I have contacted my bank who has no answer and zelle who does not offer customer service. Zelle is associated with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
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 is missing that should be on the report

Complaint:
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to transunion, XXXX and XXXX that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.

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