BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re : Account Name : Security Credit Services Account : # XXXX Type Account : Alleged Collection I have previously disputed the above referenced account on [ XX/XX/2023 ]. This item was deleted from the credit file on the subsequent credit report of [ XX/XX/2023 ] - [ XX/XX/2023 ] based on my credit report alerts from XXXX XXXX. ( SEE ATTACHMENT ). However, now these items have reappeared on my credit report without the collection agency following the legal reinsertion process as outlined in FCRA. 

In accordance with the requirements of the FCRA, I am hereby requesting SECURITY CREDIT SERVICES to complete complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report within the next 5 days, if you would like to avoid me moving forward with my said rights. 

Once complete, mail me an updated copy of my credit report showing this item has been deleted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
AMERICAN EXPRESS continues to violate my consumer rights while I continue to attempt communication through mail and emails. Pursuant 15 U.S.C1691 ( a ) ~~ Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter. I have submitted multiple applications to AMERICAN EXPRESS and have been denied open-ended credit plan on each occasion due to discrimination against me for exercising my rights in good faith under ECOA ( Reg. B ), FCRA ( Reg. V ), and FDCPA ( Reg. F ) against previous Debt Collectors. My dealing with any debt collector or company reporting on a consumer report is PROTECTED and can not be used to discriminate against me. I have right dispute inaccuracies and unfair practices related to credit reporting and collecting. I have a right to maintain the security and privacy my non-public information. I have attempted to find remedy with AMERICAN EXPRESS for the discrimination against a consumer exercising their rights. No response has been received. I seek compensation and penalties placed against AMERICAN EXPRESS for each violation of willful non-compliance. AMERICAN EXPRESS has offered no benefit at all. I am a creditworthy consumer and seek immediate remedy to discrimination and access to the accounts. 
XX/XX/ Ref : XXXX XXXX XXXX XXXX Ref : XXXX XXXX XXXX XXXX Ref : XXXX It is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action, which includes denying credit, offering less favorable terms than applied for, or even closing an existing account, against a consumer. These adverse action letters attached are both proof and evidence of that discrimination, AMERICAN EXPRESS should be held civil and criminally liable. I seek immediate compensation for the use of my securities, otherwise this would be considered fraud. I have received NO BENEFIT for the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I deposited a XXXX check into my account for my XXXX XXXX I had received it back signed by him in the mail. I didn't know I also had to sign since it's going into MY account. I called Monday, was told that the funds would be available today. This morning my account was XXXX overdrawn. I called, was told they needed me to verify that it was approved by him. I called the bail settlement people that sent the check initially, put him on XXXX call to have them give me access when he isn't on the phone. They did that. I went into the branch was told they needed me to call and have my account taken off restriction. I call, they need a number for my boyfriend who I told them is XXXX  and he received the check FOR being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against Portfolio Recovery Associates LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus. 

Their reference numbers are redacted as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. 

Portfolio Recovery Associates LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. 

This is a violation of multiple fair debt practices laws. Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation. 

I demand Portfolio Recovery Associates LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts. Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary. 

Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, a washed check cleared the business account that we wrote through XXXX in the amount {$14000.00} on check XXXX. We did not notice this as when we checked online banking the criminal had not changed the amounts! 
On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. That statement was published on XX/XX/XXXX. 
On XX/XX/XXXX our vendor made it aware to us that they had not received payments, we then went to our local XXXX XXXX  branch found these XXXX washed checks and made a fraud claim. Both checks were deposited online to Chase Bank under XXXX separate names and addresses. The checks were written to XXXX different individuals but the handwriting on the back of the checks is nearly identical. The XXXX checks were deposited into these XXXX individuals separate accounts online. ( Most likely, these checks were online deposited into stolen or fraudulently opened accounts ) The individuals appear to be seniors living in Florida at different addresses. 
The total amount of fraudulently cashed checks is {$27000.00}. Both checks deposited online to Chase Bank. 
XXXX  fraud department is denying our credits for this fraud due to late reporting on the first check. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. They claim that they are working with Chase to resolve but I find a resolution unlikely. 
I found out on the phone on XX/XX/XXXX that Chase has sent XXXX a denial of funds on the first check claim and still has not responded on the second check. I am getting information third-hand through a representative of XXXX XXXX  who says they are not able to give me details on why it was denied by Chase and that it is based on their internal policies.

I have tried to contact Chase fraud department and they will not talk to me as the accounts were not mine and I do not have any deposit accounts at this bank.

Basically, both banks are denying us our money due to this fraud. In my opinion Chase is ultimately the bank responsible for this damage as they allowed these washed checks to be deposited online at their bank. Again, likely on fraudulently opened online accounts. They have chosen to handle transactions online which has left them vulnerable to these types of thieves. 
I simply dont understand how Chase can deny our funds when they clearly have online procedures set up rife with fraudulent activity. We need someone to work on our behalf to get Chase to pay us back our stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two cards with CapitalOne, and I made a {$150.00} payment and {$25.00} to each card. I just saw a past due fee on my card, XXXX, and I called in to get the past due fee waived. I was advised the {$25.00} payment was returned, and I paid it, but CapitalOne refused to waive the late fee. They blamed it on their system and showed no compassion when I told them I had lost my brother and I had a good record of payment. I spoke with XXXX, the account manager. I even asked if a customer has a lot going on and if there should be a way you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: WI
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 have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts US BKPT CT WI XXXX Bankruptcy XXXXXXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for 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 2023-12-06
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
LATE PAYMENT SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT/CHARGE OFF REMOVAL DEAR DEAR XXXX OFFICE I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND 1 KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. 
THE LATE PAYMENTS IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT -DATE ( S ) OF LATE PAYMENTS ) : XXXX, XX/XX/2019 until XX/XX/2019 I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. 
THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDIT WORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. 

IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST THEIR REMOVAL FROM MY CREDIT REPORT. THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. 
I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. 
UCC1-308 15 usc 1692B 16 usc 1666 THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION XXXX : REMOVE LATE PAYMENTS I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT, THEREBY RECTIFYING THE INACCURACIES AND ENSURING MY CREDIT HISTORY IS ACCURATELY REPRESENTED. 

OPTION 2 : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. 
I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. 
PLEASE RESPOND TO THIS NOTICE WITHIN [ 14 DAYS ] TO CONFIRM YOUR WILLINGNESS TO REMOVE THE LATE PAYMENTS OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. 
THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: LEXISNEXIS
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: CO
Product: Credit 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 ordered 2 pans from a company XXXX XXXX. It is showing the package was delivered via XXXX on XXXX. I did not get the package. The vendor refused to issue a credit or replace. Discover has taken the position that they do not need to issue a credit stating it is in their service agreements. Discover initially said they would email the information.. they did not. I called again to be told they can not email the information that it must be mailed and it could take 15 days. I filed a police report regarding the missing delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Good afternoon Sir or Ma'am My wife and I had opened a account with Capital One in XXXX of XXXX, we have just the one credit card. We started with a credit line of XXXX. Our monthly payment when we first opened our card was the minimum of XXXX which was very comfortable for us to make as we live on a fixed income from my Social security retirement. As time went on we noticed the payments had went up, they never alerted us as to why. We continued to make the payments, our bill is due on the 12 of the month. We pay our bills for the month on the day we get paid from Social security, we then started noticing that they were not applying our payment, we called them and said that we pay all of our bills on the same day, Capital One stated we are paying our bill too early. Our credit line increased to a final of XXXX our outstanding balance is XXXX our now minimum payment is XXXX Some months our payment changed to XXXX. They show us that even though we don't use the card anymore we cancelled the card some time back that our balance never seems to decrease, they show an interest of XXXX, it seems that no matter what we pay or when we pay our balance does not lower. This is so confusing and so frustrating. They state now that we need to pay a minimum of XXXX. They told they will not accept the original minimum of XXXX We are so confused and we are not deadbeat we pay our bills on time. Thank you for listening. All we want is for our bill to be paid off we aren't trying to beat anyone for their money. I will be more than happy to send you our banking. They told us they would credit us and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tried to make a transfer to one of my external accounts on file and was told a transfer was limited to XXXX daily ... ..? I found that weird, since they don't have limits when the transfer is coming into my Acct ... ... .Is this LEGAL?

Company response to consumer: Closed with explanation