BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XXXX  Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with American Express. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a serious XXXX XXXX XXXX. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted American Express advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from American Express telling me that they had turned the matter over to a collection company by the name of XXXX XXXX. Since then I have received threatening correspondence from XXXX. Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies. 

According to the CCPA of XXXX as well as the XXXX XXXX   XXXX XXXX and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of physically XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by American Express and XXXX XXXX. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BOA closed my accounts on XX/XX/2023, following their investigating of disputed charges. After having not received my funds I went to the local branch Bank of America XXXX XXXX XXXX XXXX, NJ XXXX. I went to them on XX/XX/XXXX. Together with the associate we called risk security at which point I filled out a hardship case. I was told that I would get my money within five business days. I clarified the amount that I was expected to get for both my checking and savings account and was told I would receive a certified check. Today on XX/XX/XXXX, I was told that the account is still under review and any check that I receive would be through the mail. The fraud charges for which BOA was investigating totaled {$460.00}. In the meantime they are holding my money amounting to sum {$12000.00} in both my checking and savings account. BOA has every right to close my accounts ; however they have no right to keep me from my money for over three weeks.

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 2022-10-14
Company: EQUIFAX, INC.
State: CO
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/XXXX, I sent Equifax a letter to correct inaccurate information they are reporting. They removed and updated the payment history. But left the payment status in a derogatory status of Late 120 days. Which is inaccurate. On XX/XX/XXXX I sent a follow up letter to ask them to re-investigate and update the payment status to " paid as agreed ''. 
The account is paid in full and closed. They still have not updated this. 
Ive included both letters and a copy of my credit report showing the inaccurate info,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I do not recall having any debt with XXXX other than the account I paid off the full balance, this is an incorrect account and should be deleted. I ask the company reporting to show my signature in any document that proves that the account stated belongs to me. If not provided accurate information related to the account, I request the immediate deletion of the referenced 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 2023-09-18
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This has been a long time ago but I was an employee of Wells Fargo and had 2 checking accounts with overdraft protection. 2015 I believe. I had the wrong debit card with me but used it because the funds should have automatically transferred from the other account to cover the purchases. I then had a large payment come out and instead of transferring the funds as they should have it even covering the small ones then charging the {$35.00} fee for the big payment they pushed the big payment through and charged me {$35.00} fees for every small purchase I had made prior to the large payment. At the time I called my supervisor called over and over to get it fixed and I think they waived one fee still leaving about XXXX overdraft. I would give you more details but I contacted them last month asking for account records and all they did was try to collect the {$10.00} they are saying I still owe them. I again requested the records from them but was sent only a collection notice for {$10.00}.

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 2021-04-10
Company: EQUIFAX, INC.
State: NV
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX, OH XXXX 2. Dept of EDXXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 3. XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A 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 or crimes which antedates the report by more than 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account XXXX XXXX. XXXX XXXX XXXX XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account XXXX XXXX. XXXX XXXX - XXXX - Account Review XXXX. XXXX - XXXX - Account Review XXXX. XXXX XXXX - XXXX - Account Review I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was sent a letter stating that I did not have sufficient flood insurance but my loan servicer, Pennymac. I submitted documents that showed I did have the the proper insurance and they are billing me through some insurance company they hired. 

No response from the company. They are difficult to deal with. Have have poor customer service. I am sure you have heard this before about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$1000.00}

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 2021-04-10
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 think that American Express is uncalled for and in the wrong for closing my accounts. My bank XXXX made an error with a stop payment for a different company that started with XXXX and they confirmed it was done in error. But American Express closed my accounts anyway even though I have made several payments and would never ever tell my bank to stop a payment to American Express which is an open card. On XX/XX/XXXX I never called American Express to do a stop payment for {$1000.00} and when I spoke to an Account Manager, XXXX XXXX, she said there was nothing to do be done. I think this is unfair and is very detrimental to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR 2 CHARGES ON MY XXXX CITI VISA CREDIT CARD THAT I HAVE NO IDEA WHO THESE COMPANIES ARE AND I NEVER DID BUSINESS WITH THEM AND I DID NOT AUTHORIZE THESE CHARGES. THE CREDIT CARD WILL NOT PROCESS MY REFUND AND I DONT UNDERSTAND WHY.. I HAVE TRIED MANY TIMES. THE TWO CHARGES ARE XX/XX/18 XXXX XXXX- XXXX AND XX/XX/18 XXXX XXXX- XXXX ... THIS IS ALOT OF MONEY TAKEN FROM ME AND I NEED MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS SENIOR ABUSE. PLEASE HELP ME GET MY MONEY BACK

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXXXXXX Balance XXXX {$130.00} XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-02-18
Company: Avant Holding Company, Inc.
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: Information belongs to someone else

Complaint:
I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of Covid-19, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a call, XXXX at XXXX, debt collector stated they mailed a letter dated XXXX and stated that I received it and attempted to collect. I requested that copies of my file be sent to me, the collection process to be halted until I received said documents and the agent stated they did not have to do that and continued to try and collect. The agent also confirmed that they do not own the debt but are simply trying to collect and stated incorrect information regarding myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: National Debt Group of NY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a letter - '' second notice '' from NDG ( National Debt Group, XXXX, TX ) proposing a debt settlement of {$11000.00} on a {$22000.00} credit card balance. There is no information about what credit card has such an outstanding balance. This is the 1st such notice. We have no such outstanding credit card balance on any card we have. 
We have not and do not intend to respond to this letter.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-19
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was frozen with no detail of matter of why it was frozen or when it would be unfrozen my money is the account is causing my so much damage as it is to pay my credit cards off

Company response to consumer: Closed with explanation