BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of identity theft /fraud I have report this over and over to American Express and XXXX XXXX XXXXXXXX and also XXXX bank I did not sign up for these cards. To save my XXXX XXXX, I went on payment plans. I needed to move out of my home. I have an active DVRO against my ex wife. She likely signed up for these cards without my permission. I have reported this to all the credit card companies. I have reported Fraud through my XXXX account. These credit card companies call me repeatedly to a point of me having a mental break down. I can not afford the debt, and I did not sign up for these cards. I never gave approval. I never even held these cards in my hand. My court filings also state this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a copy of the application that was signed opening up this credit card. I want IP addresses, and proof from AMEX that I applied and wanted this credit card. I have never held it, used it, ever. This was opened by my ex wife without my permission! I demand proof that I opened this account, gave permission to open this account ( i did not ) and with a copy of the application with my signature. This is fraud committed by my ex wife. It does not matter if I lived under the same roof as her, I never gave permission to open any cards in my name! Please provide what I am asking for. I am on a payment plan for this card only to save my XXXX XXXX as I needed to move out of the residences per court order. I should never have done this, as Amex thinks that I am taking responsibility for this payment. I have not opened this card, used it, authorized anyone to open this in my name. I have never held this card in my hand, and do not know anything about it. I want this removed from my credit report and not be responsible for paying this anymore. Please I beg you all, to provide what I am asking for. I need proof from Amex that I authorized this card. I want to see my signature on the application. This is fraud! Please seek the truth in this matter. I simply can not keep paying for something I never opened up, used, or benefited from in any shape or form. I am paying on payment plan {$650.00} which is legit the other {$230.00} payment plan per month is not. That is the one I am referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any propose. The dates are as follows XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
For months I have not received my credit card statement and when attempting to access my account my password is invalid. When I attempt to reset my password Im told an email address is not on file. Ive called them every month to have the email address back but it keeps disappearing off my account. Destiny Card Services Bank will not let me speak with to technical support and they keep charging me late fees and reporting my late because i told them XXXX make a payment when I can see or access the bill. Ive been told they are not allowed to remove my any information off my account but it keeps disappearing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}

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 non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Greetings, I have tried to update my personal information with the Bureaus in question but they have failed to remove the old information after updating the new ones. there should only be one of the following NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX WA.XXXX JOB : XXXX XXXX Any other address or name should be removed. 
Section 611 of the Fair Credit Reporting Act requires credit reporting agencies to ensure that the information in your credit report is accurate, complete, and up to date. Which gives me the right to dispute any inaccurate or incomplete information in your credit report, and requires credit reporting agencies to investigate and correct any other errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were duplicate charges period they were charges. A bank notified me about or overseas and never refunded the money. They close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXXXXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with XXXX before a 30day late. XXXX XXXX reported the 30day late anyway. 
My score dropped XXXX with XXXX, XXXX points with XXXX and XXXX points with Transunion. 

I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau. 
To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead XXXX and the credit bureau continue to report a history with a final 60day late as of XX/XX/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 2022-11-10
Company: Experian Information Solutions Inc.
State: WI
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:
Several disputed accounts, and companies are not reaching out

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 2023-06-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to submit my personal statement as part of my Identity Theft Report regarding the severe negative impact of identity theft on my financial accounts. While I can not disclose specific account numbers, my XXXX broker  account, XXXX XXXX  XXXX, and various other institutions have been compromised, leading to significant financial and emotional distress. 

Discovering that my identity has been stolen has been an incredibly disheartening experience. It has shaken my trust in the security measures employed by financial institutions and has left me feeling vulnerable and violated. The repercussions of this crime have been far-reaching, affecting both my personal and financial well-being. 

The unauthorized access to my XXXX broker account has had immediate and substantial consequences. The perpetrator ( s ) have conducted fraudulent transactions, resulting in substantial financial losses. This has not only depleted my hard-earned savings but has also disrupted my financial plans, causing undue stress and XXXX 

Furthermore, my XXXX XXXX XXXXXXXX account, which I have entrusted with my personal funds and financial stability, has also fallen victim to this identity theft incident. Unauthorized transactions have occurred, compromising the integrity of my account and causing considerable financial turmoil. The emotional toll of constantly monitoring my account for suspicious activity and the fear of further unauthorized access have taken a significant toll on my overall well-being.

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 2022-06-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CITIZENS BANK is the institution that I want to file against. They Debt collecting team put an unauthorized lock/freeze on my checking account on XX/XX/2022. I was not able to purchase food and supplies for my XXXX XXXX XXXX XXXX children. I was told my account could not be unlocked until the next day. I was in the middle of XXXX XXXX, XXXX enjoying family time with kids and I couldn't pay for anything. I am highly upset and disappointed with this bank because they also charged me 4 separate times for over draft fees in which I talked to a gentlemen and told him that money will replenish by the XXXX of XX/XX/2022. He told me thats fine and they would not charge me anymore. 

In recap I was charged a total of about {$120.00} in over draft fees. 

Also they were in violation of the law by locking my account without my permission. Which is up to {$1000.00} fine in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I have written a check for over {$51000.00} in order to close both of my accounts at Citibank # XXXX and # XXXX. Subsequently I have received a call from Citibank confirming validity of the transaction and during which I indicated both my checking and savings accounts closed upon the checking being cleared. I was confirmed that that will be done. On XX/XX/XXXX I have received a notice by email indicated that the account wasn't closed as per my wish and the account is now overdrawn ( I presume this was done by the account fees which incurred after my request ). 
Subsequently I called the number XXXX and after getting through Citibank 's automated system that informed me that the long will be wait to get a CSR online. However at about XXXX into a call the CSR appeared and after confirming my account numbers I was without warning put on another hold. At exactly XXXX the call was disconnected. 
It appears that the Citibank is not only not listening to the customers wishes in regards of their money but it also prevents them from closing and inquiring the accounts by playing tactics such as this. I expect my accounts closed as per my XX/XX/XXXX request and take care of all the fees as they were imposed unilaterally by the Citibank contrary to my wishes. I think it is reprehensible that the bank treats customers this way further reinforcing my decision as right one.

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 2022-11-10
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
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:
This account is over XXXX XXXX XXXX. I never made payments on this account because it is a fraud account. A loan was taken out in my name using a car title and never paid back. I found out about the loan when my car was booted and repossessed the same day by the creditor and sold for pennies on the dollar. The creditor did not contact me about how to get my car back, where my car was located to pay whatever fees. it was simply " sold at auction '' and I was not advised where the auction would take place. The car had over {$20000.00} in upgraded parts including a custom supercharger, fully build block and head, complete suspension, custom forged wheels, a hand built transmission and signed by XXXX XXXX on the passenger airbag before he passed away at XXXX XXXX XXXX in XXXX XXXX california. 

When I dispute this account they report on my credit that a payment was made or that the account was in good standing extending the 7 year rule to remove the report on the account. It has been removed from XXXX and XXXX credit reports after investigation but the creditor adds the account when file a dispute on XXXX of the other credit reports rotating the account through the XXXX credit reporting agencies. on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I first submitted my dispute Transunion concerning the reporting on my XXXX XXXX account with Transunion in XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating they updated my account. I then pulled a new credit report on XX/XX/XXXX and noticed more inaccuracies and submitted another dispute on XX/XX/XXXX showing multiple charge offs after the account closing. On XX/XX/XXXX I received a response from XXXX XXXX that their reporting had been updated due to inaccuracies. On XX/XX/XXXX I pulled a copy of my credit report showing that the disputed charge offs had been removed, but that the dated updated had not changed. I then sent a letter to Transunion asking for the method of verification/investigation on XX/XX/XXXX as I do not believe that any investigation had been performed. On XX/XX/XXXX I received a letter from XXXX XXXX that states they have conducted an investigation and have updated my report but have not furnished any information relating to how they conducted their investigation. It has also been more that 30 days since the creditor has received my original dispute but no notice of dispute has been placed on my credit file.

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 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My credit card payment is due on the XXXX of each month. On XXXX XXXX I made a payment on my account. However I was charged a past due fee. I reached out to capital one to resolve this issue and I was told the late fee couldnt be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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 stole my Identity to open Fraudulent Accounts using my person Information without my consent

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 2023-02-23
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX  XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom it may concern, RE : XXXX XXXX Pursuant to XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. Mental Anguish XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 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