BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Applied for the AMEX Hilton Honors Surpass card in early XXXX with a Welcome Bonus offer of XXXX Points + 1 Free Night Credit after spending {$2000.00} within 3 months. I met the {$2000.00} spending limit XX/XX/XXXX. After a few weeks gone by I did not see the welcome bonus applied to my Hilton account, I gave a call to AMEX for inquiry. I was given the short answer that their policy that it can take up to 8 - 12 weeks. I ask them why other people I know that applied around the same time frame have received theirs already and their answer is they don't know. After waiting several weeks and not receiving the bonus, I call to inquire again and got the same response. 12 weeks have since passed and so I call to inquire again, the rep agree that I have met the requirement but don't know why and open an escalation ticket. However, I must wait another 14 days to get a response. Anxiously, I waited 7 days and decided i'll chat with AMEX agent to check progress. Agent says she saw that an escalation ticket was open and it can take 90 days for them to resolve. So it seems an 8 - 12 weeks policy doesn't apply to everyone and after 12 weeks it can potentially take another 90 days if they do intend to resolve it at all. I am at a lost!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TN
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:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AR
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.

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 2023-10-27
Company: Skrill USA, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a deposit of {$100.00}, {$100.00}, and {$200.00}, totaling {$400.00}, to my Skrill account. Although I don't use my Skrill account frequently, I reactivated it in XXXX of this year. I completed the full verification process for my account and did not anticipate any issues in transferring funds from my account to my bank account. However, I recently received a notification stating that my account is now restricted for outgoing transactions and ACH deposits without any reason. I was surprised to hear this since my account was not restricted before I received the funds. It is frustrating to encounter such an issue when I have not used the account frequently. All I ask is that I receive my full balance on my account so that I may close my skrill account. This makes no sense as the account was fine before i received the funds, now all of a sudden it's restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
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:
I sent my letter off dated XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA the term " investigate consumer report '' means a consumer 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.

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies as well as, their deliberate intentions of continuing to tarnish my credit report to XXXX

Company response to consumer: In progress
Consumer complaint received 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed. 

My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation. 

I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call. 

I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: ALLY FINANCIAL INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I set up a payment plan with my Ally Credit Card for {$17.00} per month for 6 months until I am able to regain employment after losing my job on XX/XX/XXXX. The Customer Service representative confirmed my Bank Account information and we agreed the first installment would be taken out of my account on XX/XX/XXXX and this payment plan would NOT affect my credit report. On XX/XX/XXXX, I received an alert from XXXX there was a change in my credit score. When I verified this change, my credit score decreased by XXXX points! Ally stated my account was a month late which was incorrect. With further investigation I found out Ally never processed the first installment of my payment plan on XX/XX/XXXX as promised thus I immediately made that {$17.00} payment on XX/XX/XXXX. I expect this was not done intentional and it was an oversite/error on their part. It should be noted, once Ally bought out XXXX ( the previous Company of this credit card ) in XXXX, I could not gain access to my online account until the 3rd week in XXXX which has caused issues thru out those past months in setting up my online account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent several letter to the debt collector LVNV FUNDING, and they haven't responded to my correspondence. The last two letters I sent was on XX/XX/XXXX and XX/XX/XXXX. I ask them to validate the debt they state I am owing and if that can not be done, then please remove the item from my credit report. They have done neither of these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXSHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX **PROCESSED THROUGH USPS FACILITY, FebXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX **XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX **XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My card has been breached, and my balance has been wiped out by a identity thief they froze my account so i can not reach the funds they replaced after i contacted them for two months i have not had access to my money, now my bills are all past due, they sent my benefits to another address and phone number without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
COPY OF LETTER SENT VIA FED EX TODAY TO CFPB & US BANK To All It May Concern, Attorney XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX formerly known as XXXX XXXX represents XXXX XXXX regarding the above referenced loan and foreclosure case number XXXX XXXX XXXX, FL. 

This letter shall serve as our 3rd Complaint to Consumer Financial Protection Bureau Regarding this Loan. 

Our client was approved for a Trial Plan on XX/XX/XXXX. ( See attached ) Our client has made the ( 3 ) three trial plan payments in addition to ( 5 ) more payments and complied will all requirements in order to receive a Final Loan Modification. ( See Attached ) On XX/XX/XXXX we called US Bank and spoke to an agent named XXXX ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. 

On XX/XX/XXXX we called US Bank and spoke to an agent named Angelic ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. All she could say is that the Final Loan Modification is being generated. 

We Urgently request a Final Loan Modification be issued regarding the loan as this matter and foreclosure case is being prolonged with no cause. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Managing Partner

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 2023-11-08
Company: EQUIFAX, INC.
State: SC
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD. As it has stopped my son and I from getting proper shelter, a car and employment. I am demanding these items be deleted IMMEDIATELY! 


This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
SunTrust bank  Withholding information from me since XXXX XXXX when I reported fraud and suspicious activity on account under my ex put me on as a courtesy. 
I have gone in person ( XXXX XXXX XXXX va XXXX regional Manager at the time & XXXX XXXX XXXX XXXX va in person to branch manager slender tall fellow. ) the branch manager stated to me after I told him someone had been transferring my monies out of my XXXX XXXX XXXX XXXX   XXXX va accounts that I could get only! 300 approx out of SunTrust bank ) I have sent certified letters SunTrust corporate XXXX XXXX XXXX  va Recently SSA finally sent and disclosed to me the direct deposit accounts that were fraudulently changed on my XXXX checks. 
There were four changes made thru federal reserve bank to SunTrust bank. The routing numbers and account numbers are stated by the SSA letter from miss XXXX in the XXXX XXXX nc SSA office are attached in the attached pdf file And the numerous checking account numbers on file at the SSA administration SunTrust bank XXXX XXXX boss left me a message on my XXXX phone telling me XXXX XXXX would find out what happened. I returned the SunTrust banks calls and faxed them also. No response. 
One of the accounts are still open I believe. as per XXXX she stated. Numerous accounts opened under XXXX XXXX XXXX XXXX XXXX with a atm card linked to them I have never had a SunTrust atm card period.

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 2023-11-08
Company: EQUIFAX, INC.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has placed a collection notice on my credit report regarding a medical bill I have received no information about to date. I have tried to dispute with credit agency and have had no results. It seems Credit Collection Services is a third party collection agency in attempts to collect a debt. I have requested that Credit Collection Services provide debt validation for the account number listed on credit report. I will require the Debt validation in the form of an original bill and detailed statement of procedures. Also, I requested that if the debt validation is not received within 30 days from receipt of the request. If Credit Collection Services can not provide adequate validation within the 30-day time frame, all debts should be immediately removed from all three major credit reports. This is also a violation of the HIPPA and privacy laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I signed up at Possible Financial Inc for a loan amount of {$250.00} and agreed to finance charge of {$44.00} on XX/XX/XXXX. In the agreement, total amount Id have to pay back will be {$290.00} which says due on XX/XX/XXXX. 

On the website, I was able to change the payment date and divided into 4 payment installments on XXXX {$73.00}, XXXX, XXXX {$73.00}, and XXXX {$73.00}. 

But then on XX/XX/XXXX, Possible Financial withdraw the money from my bank In four transactions {$73.00}, {$73.00}, {$73.00}, {$73.00} ( all at the same time on XX/XX/XXXX ) I dont understand why this happens, I was charged a finance charge outside of the agreement. They responded via email stated that theres nothing they can do if money already withdrawn from my bank. I then sent them the withdrawal proof from my bank and the copy of what the agreement was and I only get a respond back from XXXX to send a feedback about possible finance on XXXX business page. 

At that point I was already going into panic, Im not sure what Im dealing with if this is a scam. Because on their website where I can login to access my account I see even with the four amounts I explained above ( {$73.00}, {$73.00}, XXXX ) it even says XX/XX/XXXX processing until this very minute ( yet all those amounts already withdrawn from my XXXX bank account early XX/XX/XXXX ) and also at the bottom of this statement page it also says Total Remaining Balance {$290.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation