BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Financial Business and Consumer Solutions.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I requested over 3 times for proof/verification that this fraudulent/unverified account reported on my Credit report via XXXX be removed/deleted. I've submitted over 3 disputes letters to FBCS requesting proof/verification that this reported account is mine and accurate. They continuously Failed to provide proof, but I see changes made to my credit account such as increase/decrease to my score, and date changes etc. How is that? 

I advised them multiple times this account isn't mine. The last letter I received from FBCS ( on XX/XX/2022 ) indicates that they are looking to retrieve the funds, and to just file a police report. FBCS continues to dismiss my request, clearly have No proof, and refuses to remove/delete this fraudulent account from my credit report. This a violation of Federal Law. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a Bluebird American Express re-loadable debit card that I purchased from XXXX a few years ago. I had added my personal banking info on their platform so I could transfer funds from my bank to the Bluebird card. I primarily did this if one of my kids needed a debit card to make an online purchase, so they wouldn't have my actual bank card. Only what I deposited as there is no overdraft with Bluebird.

I went to check my primary bank account today and noticed unauthorized transactions from Bluebird. I made sure it wasn't lost or stolen. It's in my wallet right now. I haven't used it in a long time. I attempted to contact their customer service. The robot on the phone told me that my account was permanently suspended and to check my email. I checked my email and it said I violated rule 22 ( d ). Keep in mind, I have not touched this card in months. I have no clue what these unauthorized transactions are. Here is a list of the unauthorized transactions in order : 1. PURCHASE BLUEBIRD.COM XXXX GA CARD ( **** - you have asked to keep this private so I will just place stars here. These are the last 4 numbers of my primary debit card with my primary bank ) XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load XXXX. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$50.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load 3. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$2.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by XXXX XXXX XXXX Non-Financial Institutions-Stored value Card Purchase/load 4. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load This is a total of {$62.00} out of my primary bank from Bluebird that I did not authorize. Now my Bluebird account is permanently suspended and I didn't make these charges! I can't even speak with a person to find out what is going on. I just want to make sure that this is not going to continue to affect my primary bank account and that my identity has not been stolen or something. So I want is to figure out what is going on. I will be calling my primary bank as well to make sure they are not able to ACH anymore money out of my primary account. 

If there is anything you can do it would be so greatly appreciated! Thank you for what you do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America refused to refund {$240.00} for a scam XXXX payment. They do not inform customers that their funds are not protected from XXXX scams.

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 2022-07-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a Chase Business Ink account on XX/XX/2022. I received a promotional offer that stated I would receive XXXX bonus points if I charged {$15000.00} or more to the account within 3 months. 

Chase has done everything in its power to prevent me from participating in the promotion by placing random security freezes on my account. Additionally, I am not alerted of these freezes unless I call the number on the back of the card. There is no text or email alert that gives me the opportunity to confirm that the purchase is legitimate. Instead, Chase simply blocks my card for days at a time. When I call in to get it unblocked, I am told the department is 'closed '. 

This is a business credit card and not being able to use it affects my company is a negative manner. For instance, today is XXXX XXXX on XXXX and I have no access to use my card. I was told that the customer care team at Chase can not help because the fraud prevention department is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The Standard Overdraft Coverage is confusing and opaque. In particular, a payment to XXXX XXXX in the amount of {$400.00} was paid, despite being returned twice prior to this, and despite an ACH request from the same company in the amount of approximately {$190.00} being returned at the beginning of last month. The agent was unable to provide any info on why it was paid other than advising it was a " systematic decision. '' The agent also made it difficult for me to remove the coverage, including the use of acronyms I was unfamiliar with.

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 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The following account is not mine XXXX Account XXXX balace : {$580.00} please remove it from my credit report. 

this account does not belong to me i am not liable for this debt never belong to me remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I logged into my USAA account portal. I was looking over loan opportunities and need to consolidate credit card debt. They offer an online application for loans. I selected personal loan and for the " purpose '' used debt consolidation in their offered drop down menu. Filled in my personal information and then it asked to me submit. It gave an immediate DENIAL! Reasons : Thank you, XXXX XXXX, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Excessive obligations Insufficient or lack of income Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high Amount owed on revolving accounts is too high Which is unfair declining factors of the type of loan I applied for! It never asked what items I wanted to payoff! I worked in XXXX for 18 years and have even been a XXXX XXXX. If a debt consolidation loan is applied the first question to be answered is, which items are you wanting to payoff. Of course when these items would be marked for payoff, it would greatly impact the 4 declining factors they listed ( shown above ). I immediately call USAA and the lady argues with me, I asked to speak to a supervisor ( which I never was able to ), transfers me to an expediting department. I explained their reasons for denial are inaccurate and would greatly differ if you were able to choose the items you are wanting to payoff and close. 

The computer generated e-mail I received with the first denial was then removed the next day! They manipulated their system and now that document is NOT in my archived documents any longer as of XX/XX/XXXX. It now shows the attached letter stating my purpose of the loan was " Cover Personal Family or Household Expense '' I find it strange that after calling them and telling them I will dispute their unfair declining factors and the negative inquiry that the first letter is now gone. They make up this purpose which WAS NOT what I selected. Awful business and company to do business with. I sure hope all their service members are not treated like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ACCOUNT NAME CREDIT COLLECTION SERV Account : XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violates my rights numerous of times. 
15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction.

15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: CA
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 had fraudulent charges on my Wells Fargo account via a debit card. After hours of calling, I was put on the phone with a supervisor, they said that the person who used my card called into Wells Fargo, was not asked security questions, and changed my personal information online. 

Now, a month later, the exact same thing happened again. WF keeps allowing fraudulent agents to access my account via their phone system without proper security. They have obtained my SSN and DOB now as a result.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The ERRORS reporting on this account are astronomical and is in direct violation of CDIA standards and FCRA laws. Please delete the inaccurate reporting off my credit report! I HAVE OUTLINED EVERY INCACCURACY, PLEASE FIX THIS***-**Misrepresentation is FRAUD! Please remove these unvalidatable claims at once! *** I hereby present the details pertaining to XXXX XXXX XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not been certified to conform to any recognized reporting standards. Therefore, the accuracy, currency, and comprehensiveness of the data can not be guaranteed. Furthermore, it is important to note that this information might be incomplete, outdated, or lacking proper support. In light of these circumstances, I kindly request the removal of any erroneous or unsupported content from the aforementioned page. 

Please find the attachment down below, Best Regards 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
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: OH
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Happy XX/XX/XXXX For 3 consecutive months in a row, XX/XX/2020, XX/XX/2020 and XX/XX/2020 I have sent and mailed letters to the credit Bureaus to help either verity or remove some items I did not recognize as mine. They violated the law 3 times in a row and now I am seeking judgment. XXXX, Transunion as well as XXXX. My letters spell out the law clear and it is not confusing. 

Everything I sent was certified mail and they have received every one of my documents.

No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification.

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 2022-09-17
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Contacted Barclays in XXXX regarding unauthorized change of address, phone number and email. Asked for corrections to all of the aforementioned changes and for current card to be canceled and issued a new card. Confirmed that the address was corrected. A new card was issued, but it was sent to the fraudulent address and was used on 4 separate occasions : XX/XX/XXXX ( {$330.00} ), XX/XX/XXXX ( {$200.00} ), XX/XX/XXXX ( {$170.00} ) and XX/XX/XXXX ( {$150.00} ). I called on XX/XX/XXXX and again asked for my information to be corrected as it was NOT corrected as previously requested. I had the card with the charges cancelled and again a new card issued. I was told that the I would receive a letter to confirm the reversal of the charges. New card was received, as well as a letter stating that the charges were fraudulent ( XX/XX/XXXX ) and my account would be refunded/corrected. The charges were reversed and then out back on my account. I called again XXXX, end of XXXX, beginning of XXXX and most recently XX/XX/XXXX and XXXX. The charges are now said to be valid. I have filed a police report, fraud report with the FTC and frozen my credit information with all three credit bureaus related to these charges, as well as charges made to my XXXX credit accounts. Fraud alerts have been issued with all 3 credit bureaus, XXXX and XXXX ( merchants that also had fraud related issues ). XXXX, without delay or question, resolved all issues.

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 2024-01-13
Company: ALLY FINANCIAL INC.
State: NC
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 602 States I have the right to privacy ( 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without written instructions. 15USC 1666 ( b ) a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose

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 2023-11-08
Company: John C. Heath, Attorney at Law, PLLC
State: LA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
Lexington Law, I saw that there is a lawsuit against them for taking money from clients before any results were produced. They had me paying a monthly payments. When I called to get the information, the lady that answered said that she could not give me all that I was looking for. Here are some dates and I do believe that this is wrong. I paid them for years. There was XXXX, XXXX, XXXX and XXXX. She sent me 2 encrypted emails. Both emails did not contain what was asked. They were creditors. For years I was told that there would not be any change to my credit for a long time. So I continued to pay, hoping that they would say that my credit was getting better to buy a house. Know that I tried to call all the numbers that I have been given, they will not connect you to a live operator. It hangs up without giving you an option to connect.. Please help, I have paid these people so much money only to be told that my credit was at a standstill. Here are a few of the addresses that may be on my account current address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I lived on XXXX XXXX as well, all in XXXX, La XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: GA
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:
Hello, Happy XX/XX/XXXX ... ..on XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company. I mailed them again the company Equifax This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These are in my letters they have!

Company response to consumer: Closed with explanation