BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I canceled my American Express card in XX/XX/2020 with a {$0.00} balance. However due to covid a previous flight that I purchased on my card was canceled and refunded to my AMEX account. 

AMEX attempted to transfer these funds ( {$2100.00} XXXX back to my external linked bank account but I had actually closed this joint XXXX XXXX account previously so the transfer did not go through. I then called and they transferred the {$2100.00} to another external account. 

But for some reason they are saying I owe them for the first {$2100.00} transfer that I did not receive. I have tried calling 4 times and they keep saying it will be resolved but then subsequently keep contacting me and tell me I have a big outstanding balance ( including late fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: PA
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 XXXX  Account ( XXXX XXXX  # XXXX ), ( XXXX 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 # 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 ) 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CCF Intermediate Holdings LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the last CFPB complaint XXXX. I asked this company for very specific information, which to date has still not been provided. 

I am requesting an actual physical transactional statement of all loans and transactions both successful and declined, which as an organization should not be taking this long to provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive been trying to contact this company regarding a debt and can not talk to anyone regarding this account I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-11-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
JPMCB card - XXXX XXXX doesnt states because I saw it on my hard inquiry. 
XXXX XXXX XXXX - {$180.00} XXXX XXXX When I checked my credit, there was a different social that did not belong to me.

I also called the bank to JPMCB to notify them my experience and when they went to look for my information it was not on file, they suggested that I called the bereau. When I called them, they helped me out and fix the situation and will take 2-3 days to take the collection off my hard inquiry. As for the other company, they also helped me and disputed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Riverwalk Financial Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent out certified mail to the collector that now has my charged off debt/collection. Its been 30 days and no one has got in contact with me about the collection. I asked for verification of the collection and have yet to be notified of any information. I would like for this false information to be removed for my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: PA
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:
i bought a van which the beginner give me problem some week ago the bought this car broke down i called some time to the dealer for the warranty and they never answer me and do nothing also called the bank and they donnt do nothing i decided relese the car bcs how i going to paid a lot a money for junk car bcs with the time bring more electrical problem and the credit asgency have my status as reposition when the realy is a releasaed the car righ noe this affectyed my credit when the dealear and bank cheating me the deales is XXXX XXXX XXXX  in XXXX PA and the bank is XXXX XXXX XXXX  this account affected my wife credit too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Transaction was not authorized

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Chase Bank Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Inquiry Date : XXXX Claim Number : XXXX Account Number Ending In : XXXX This document ( and the accompanying documents ) are to serve as a formal request for Chase Bank to provide ( in writing ) details of evidence reviewed and Chase Bank 's protocol regarding denial of the above noted claim initiated on XX/XX/2021. 

The enclosed documents demonstrate the transaction in question ( approved by Chase Bank ) was not initiated and/or authorized by me ( the account holder ). 

Pursuant to Uniform Commercial Code ( UCC ) 2-201. Formal Requirements ; XXXX of Frauds. Transactions in the amount of {$500.00} or more require ( a written ) authorized signature in order to be enforceable. As the holder of the above referenced account, I did not in writing, or in any other capacity, authorize the transaction of {$1900.00} on XX/XX/2021 to be processed via the above noted account. 

As the transaction in question was not in accordance with UCC 2-201, I am requesting Chase Bank review its decision to deny the above referenced submitted claim. Also, as the transaction in question was not in accordance with UCC 2-201 it is requested that Chase Bank apply a provisional credit of {$1900.00} to the above referenced account until all full formal investigations and/or formal reviews associated with this claim have been conducted and completed. 

My genuine intent is to resolve this matter with Chase Bank in a just and amicable manner ( save reporting the issue to the appropriate financial regulating authority ). I look forward to working with Chase Bank in resolving this matter. 



Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There is some errors on my credit report Already contacted XXXX and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted Bank of America About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my Trans Union credit report, and I noticed some late payments posted on my credit report from XXXX XXXX Dates XXXX of XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Trans Union is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
I did not give Trans Union written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
regarding account # XXXX, Please close and remove me from this account immediately. This is an unauthorized account and needs to be removed from my credit immediately. I have sent numerous letters and I recieved no response. I look forward to your swift resolution in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX I started receiving a bill from Sears Credit Card Services, STATING I owed money and to respond within 30 days. I called them and explained I had not been using my SearsCard and there was no way I could owe money. 

They stated that the balance was not from me using my Sears card but a balance transfer from another account. I asked for a copy of their records and they stated they were the collections part of the Sears and only had a record of what the debt was " XXXX XXXX and a dollar amount in XXXX ''. 

I told them this was fraud I paid my bill in XXXX and need them to tell me what payments they received towards the XXXX XXXX. They again stated they were the Sear 's Debt collecting Agency and they had no records of any payment activity only the amount they were to be paid. 

I then called Sears Customer service and spoke with two operators the first told me to pay my bill if I did get my ducts cleaned I owed the money the second which was supposed to be her supervisor stated that I needed to speak with another department. She sent back to collections and to the a different collections representative who put me on hold to review my account and never came back on the phone. 

The Collection Agency continues to call all times of the day and will not listen when I explain I have already paid this Duct Cleaning Bill. They state for me to send in proof of payment which I have but I do not want these crooks to have my routing number and checking account number. 

I have copies of my XXXX check book register as proof of payment. Please make them clear this fraudulent debt, and stop calling me. 

How can a company bill you 3 years after you have paid a bill and add interest and fees? 

Please help.

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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Account # : XXXX Why is it that this above account is still being reported if it is a collection account? Status is at derogatory and you have not listed a date of last payment, which should then have a date of first delinquency. 

You are allowing multiple errors allowed on this trade line that are very damaging. 

Provide me with the written documents that show when I came delinquent of 30 days, that would be the day/month/year I become 30 days late and never again did get current on this account. 

I personally feel this account has been aged out for a very long time now.

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 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Back in XX/XX/XXXX, I noticed that my car payment had been transferred from SunTrust to Truist Bank. I could not make my payment online, as I had been since I opened the loan in XXXX. I called Truist to set up an account and make my first payment, which I was able to do with the representative over the phone. The next month I went to my Truist account to make my payment and I was unable to access the online account created by the representative. I called customer service on five separate occasions, however, each time I waited for a representative for anywhere between XXXX and XXXX minutes without any contact. Finally, in my sixth attempt to make a payment, Truist 's customer service line offered a callback option. This option was not available in my five previous attempts. When the representative contacted me, I was informed that the original online account number provided to me was inaccurate. I was able to rectify the issue with my online account and bring my loan up to date. However, I was also informed that during this issue with my account I was 37 days late on my payment and it will be reported to the Credit Bureau. An incorrect account was communicated by the Truist representative. I made multiple attempts to make a payment while facing impossible wait times. A grace period should be offered for accounts being transferred. Had my online account been functional, I would not be facing a penalty on my credit 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-11
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my wages garnished for a credit card debt that was bought by XXXX. The total amount was sent to my employer and was completed in XXXX of XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2022-12-03
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: Old information reappears or never goes away

Complaint:
I, once again, would like to request the removal of the erroneous accounts and information you have been reporting on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that you should remove immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.

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 2022-04-26
Company: EQUIFAX, INC.
State: VA
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 EQUIFAX has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE SEE DOCUMETS I OBTAIN FROM THE COURTS STATING THAT THEY DID NOT FURNISH ANY BANKRUPTCY ON MY REPORT. 

EQUIFAX HAS YET TO RESPOND CERTIFEID MAIL # XXXX SENT XX/XX/XXXX DELIVERED XX/XX/XXXX

Company response to consumer: Closed with explanation