BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I was contacted by American Express by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with American Express who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new American Express XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all 3 credit bureaus of about XXXX points. A week later, the remark reappeared, and neither American Express nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to American Express was routed to 5 different people, only to be told I would have to speak to someone at American Express headquarters. AMEX HQ told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. AMEX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new American Express XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was told AMEX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " American Express '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know AMEX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On saturday XX/XX/XXXX, i received XXXX from a family memwber to help me buy foodstuffs for my baby, and in few hours, venmo suspended my account dor no reason, they aasked me to submit id and ill be able to use my balance and i did, XXXX later they respond saying that they have terminated my account and wont be able to withdraw for XXXX, i dont have a job right now ajdnky little ones fate depended on that amount, this is sad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX Account number XXXX Account name XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  XXXX  XXXX XXXX Account number XXXX, has violated XXXX XXXX XXXX 

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 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 2022-12-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card services : 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 explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent letters each month from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX and Experian disputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. XX/XX/XXXX has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am disputing the original claim i submitted to XXXX about the XXXX account on my report. I did not receive any verification from you that showed my consent, or any authorization with my signature. Please verify the validity of this account and furnish how the account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a credit limit $ XXXXI never asked to increase the credit amount.Somehow my credit limit becomes $ XXXXI did return the purchase to Neiman Marcus last call and to the store in XX/XX/XXXX.I do not get any refund Back on XXXX I ask at first despiute the charges on XXXX XXXXAll the tome when I ask about hardship and despuite the chargesNeinan Marcus representatives hang off the phone .It happened today too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
See previous complaint ( XXXX ) for background details. After 2 1/2 months of back-and-forth with LoanCare after they first accused us of having insufficient flood insurance, then reviewing our policy and realizing our coverage was more than sufficient, only to continue threatening force-placed coverage on us that we didn't need, we received a letter from the Office of the Customer at LoanCare on XX/XX/2019 assuring us that our flood insurance policy is sufficient and that all threats to force-place coverage on our behalf have been cancelled. However, one week later, on XX/XX/2019, we logged into our account to find that it had once again been flagged as having insufficient flood insurance coverage and threatening us once again. We have received countless letters in the mail harassing us about this issue and each time we call LoanCare, speak to resolution specialists and managers in the flood/hazard department, only to be told, " Oh yeah, your coverage is more than sufficient, we'll cancel this right away. '' Then why does this keep happening? Our coverage and policy have not changed at all during this entire ordeal, so we have no idea what the problem is. We are also aware that LoanCare settled a class-action lawsuit two years ago for this very issue, so it is appalling to see them as a company trying the same tactics when they've been called out on this issue before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

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 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was inquires from Capital One Auto Fin on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Previous complaint, XXXX has been left unattended for weeks. 

After complying with the demands of Ally 's Fraud Prevention to upload identity verifying documents, I was told clearly that I would receive further communication within 3 business days. 

This never happened. 

Eventually, i would call Ally to inquire about the upload, if any determination had been made, or if there was any information I could offer them. 

They indicated that they did not know any of this, but would notify the relevant department that I had contacted Ally, leaving the message that the understood time had gone by and I had started to become concerned. 

I do not know if that message was ever passed along. 

Today is XX/XX/17, and almost an entire month has gone by that I have not been able to access the money in my Ally Checking account. I have complied with all requests they have made of me and have been met with lack of information and inaction. 
I will have received two months of full time salary employment wages via direct deposit to that account that I have been not able to access during this time. 

At no point has Ally initiated contact with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged late fees twice by a Wayfair Comenity card most recently on XX/XX/XXXX for a payment received on XX/XX/XXXX. The bills ALWAYS come late giving little opportunity to pay them and they refuse to communicate or work with me despite trying to call repeatedly and communicate with them and explain my situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion File # XXXX XX/XX/2018 TransUnion has on Auto Finance in the last 3 months 2 Showing I have not applied in the last 3 months or 6 months for no auto loan as showed on this credit report # XXXX date issued XX/XX/2018

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 2018-11-29
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought 2 XXXX Gift cards ( serviced by U.S. Bancorp ) in XX/XX/2018. But when I tried to use them in XXXX, I found that both of them were registered by someone else online, and the funds were already transferred to its XXXX account, leaving almost nothing on my gift cards although I still have both of them. I called the card service number on the back of the card on XX/XX/XXXX, and the agent gave me a fax number to send them the receipts, front/back of the cards, and my id. I also wrote my name, address, email, and phone number on the fax sheet together with those requested information so that they could contact me if they had any solution. But after 2 weeks of waiting, nothing happened. I called again on XX/XX/XXXX, and the agent told me they never got the fax and confirmed with me the fax number I got was correct. So I faxed again on XX/XX/XXXX. After a week, I called again, and the agent said they still did not receive the fax. I faxed for the 3rd time on XX/XX/XXXX. On XX/XX/XXXX, I called and they still did not receive the fax. The agent said the department which is in charge of this do not have any phone number to call. The only thing I could do is keep faxing and calling and getting to know that they never received the fax. They are not doing the job at all. When asked, the agent also said they could not provide any time frame regarding how and when they would solve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NJ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Upgrade, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I believe Upgrade may be engaging in discrimination violating ECOA laws by discouraging the application of credit on the basis of race/color/sex. I hope Im wrong, but I want to ensure this is not a systemic issue that is happening to others. On XX/XX/XXXX XXXX XXXX notified me I was pre-approved for an Upgrade credit card. I followed the application procedures & immediately received an email asking me to upload a voided check or bank statement. 4 minutes later ( before I could respond to the first email ) I received another asking me to upload multiple other documents one of which to take a mobile phone photo of myself. The other was a request for my 4506-T. The email said Id receive an email with instructions on how to complete the 4506-T request, but days went by and I did not receive the email. I did get a reminder email saying they were still waiting for me to upload the 4506-T. I sent an email to XXXX saying I never received the 4506-T email instructions. Another day went by and still no response. So, I sent an email to XXXX and I called the 800 number. The gentleman I spoke with reviewed my documents ( and my photo ) and said hed have someone send me the 4506-T instructions soon. But then he also said I dont know why the system didnt prompt you for this before but we also need your most recent pay stubs. I submitted those right away. The next day I finally received the 4506-T instruction email. I followed the instructions and submitted on XX/XX/XXXX. I heard nothing from Upgrade until XX/XX/XXXX when I received another email requesting me to submit my 4506-T. I replied that all documents requested were sent and show they have been uploaded. It has been 3 weeks now and my pre-approved application still has not been processed. It is now XX/XX/XXXX. I have heard NOTHING from Upgrade. Again, I hope Im wrong, but theres been no explanation on why my pre-approved application suddenly stalled after I submitted my photo. Id like for this to be investigated to see if other persons of XXXX have had the same issue which is being discouraged to apply for credit after our photos are submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
Credit Acceptance is reporting inaccurate information monthly on my credit report. The loan was paid off by gap insurance when the car was totaled in 2016.

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 2023-10-07
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/ I was XXXX and had my phone stolen. The people who stole my phone bypassed my phone passcode, XXXX, and cash app pin. As well as my email information. In doing so, they sent themselves a combined {$6000.00} to two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I tried to change my account info and it took multiple tries with cash app to get access back. I could not reach them during the weekend because they dont provide support. I filed a dispute for the charges, and they said the information they have makes it as if I authorized the purchases. I have a XXXX case, stolen identity/fraud case, & the medical papers to prove I did not make these payments nor did I authorize someone to make them.

Company response to consumer: Closed with explanation