BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: OH
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  Account # XXXX violated my rights. 

15 USC 1681 Section 602 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 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received both a letter and a personal phone call from Capital One requesting additional personal information on an application for a new credit card. I called them at XXXX and spoke to a customer service rep who said his name was XXXX. I told him I wanted to have the person who submitted the application investigated for fraud. He told me that Capital One could not help me. He said I needed to file a complaint with the police. He acknowledged that Capital One had all of the information provided by the person who requested the card, but he said they couldn't do anything about the potential fraud. This is unacceptable. I hope that your agency can make it more difficult for fraudsters to get away unpunished for id theft. Date : XX/XX/2021 XXXX # XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was charged, on my account, once from XXXX XXXX XXXX XXXX even though the transaction didnt process. I ran my card again after speaking to the employee at XXXX XXXX XXXX. I was charged XXXX dollars and some change for the second time. The second time the transaction was processed with XXXX. That was on the morning of XX/XX/XXXX. Before I returned my rental on XX/XX/XXXX I noticed the original XXXX dollars and some change was returned to my account. After returning my car on XX/XX/XXXX, I continued checking my bank account because XXXX of the XXXX dollars and same change balance was a hold for using my debit card to rent a car. I called Bank of America on XX/XX/XXXX two separate times and was told that the XXXX dollar hold would be credited to my account by the morning of XX/XX/XXXX. I called Bank of America because I noticed there wasnt a transaction recorded on my recent transactions, for the amount of XXXX dollars even though my balance didnt reflect the change. When I called on XX/XX/XXXX XXXX XXXX ended the conversation by letting me know that the transaction was never reported on my account and there is no refund to credit to my account. I have the receipt of the transaction and am owed the XXXX dollar credit to my account due to the hold. The attached file is a print that the original price was paid, but I havent received the XXXX dollar refund. Instead the transaction went missing from my account without a change in balance.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: PA
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:
After reviewing my credit report I noticed I had late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX/DEPT OF ED OPENED XX/XX/XXXX AND XXXX/DEPT OF ED OPENED XX/XX/XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate Experian states I was late however XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank : American Express Issue : False information about Balance Transfer amount while applying credit card I was looking for Balance Transfer of {$20000.00} and as I was already a customer of American Express, I spoke with the balance transfer department. They suggest me to apply American Express Blue card where there is promotion to get 0 % balance transfer for 15 month and If my credit card is approved, they will honor my request to do balance transfer of {$20000.00}. I applied and card got approved. Once I receive my card, I called the customer service and request to do balance transfer of {$20000.00}. I was surprise to see that they can not honor as they max limit of balance transfer for American Express is {$7500.00}. I request to escalate the false promises for {$20000.00} balance transfer and they file the escalation and assured that if it is an issue from customer service, they may consider my request of balance transfer of {$20000.00}. They file the escalation on XX/XX/XXXX After waiting for few days, I called again on XX/XX/XXXX to see any outcome. I spoke to Ms. XXXX ( ID : XXXX ) a supervisor and she told that it was wrong information provided by the customer service representative and they inform the customer service about it but they can not help me to provide more that {$7500.00} and will compensate {$100.00} if I do not report this case to Consumer service department. 

It was such a cheap service by American Express where they misguide the customer with there false promises and try to bribe customer to avoid complain. 

Most of the customer service representative does not know how to convey the balance transfer limit including Ms XXXX who consider to be a supervise and not serious about language confirming the request. 

I would request to take a serious action on American Express so they stop misguiding the customer by providing false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: AMERISAVE MORTGAGE CORPORATION
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted AmeriSave Mortgage Company on XX/XX/XXXX in order to get a pre-approval letter that was required by my realtor in order to preview homes to purchase. XXXX XXXX was the loan officer I spoke with and who granted my pre-approval and went as far as to process the pre-approval to a certified approval stating it would give me greater buying power writing a non-contingent purchase contract if I found a home I liked. He said he could " Lock In '' the current rate for {$500.00}, although I thought was strange since there wasn't yet a purchase contract to tie it too, but agreed only because he said I would get that back at closing. He never said in that conversation that it was NON-REFUNDABLE. Unfortunately, I did not find any homes I previewed on Saturday and Sunday the XXXX and XXXX of XXXX. I did however find land with a manufactured/modular home to buy. I contacted XXXX XXXX on XX/XX/XXXX to advise him of this and asked him if he had a loan program to accommodate this type of home, and if not, I would need to cancel the application and asked him to have my {$500.00} credited back to my account. I did not get a response. I again contacted him on XX/XX/XXXX. And again, no response. On XX/XX/XXXX I contacted XXXX XXXX, XXXX and XXXX XXXX, Pres of AmeriSave through my contacts on XXXX. I assume one or both of them contacted XXXX XXXX at that time because it was at that time I not only received an email from XXXX XXXX but also a voice mail from him. I emailed him back advising him that I was in contact with XXXX XXXX and XXXX XXXX for assistance and a resolution. It was only at that time that XXXX XXXX told me in his email that the {$500.00} was NON-REFUNDABLE. Since I had not gotten a response from either XXXX XXXX or XXXX XXXX by this morning, I tried reaching out to them again but could not because they blocked me from messaging. I would appreciate your help in getting this matter resolved as I believe I was misled by XXXX XXXX in the application process and received funds under false pretense.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
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 2023-08-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 72 months Payment History XXXX made 78 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 there were two transaction happened at XXXX IL. I was living in XXXX TX at the time ATM withdraw {$1000.00} cash at XX/XX/2018 XXXX XXXX XXXX XXXX XXXX IL Card XXXX At the chase bank withdraw {$1500.00} Cash There is a person using fake ID to make those transaction. I made a claim multiple times but got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported twice on XXXX credit report )

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 2023-12-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX I had a XXXX Bankruptcy this was done by a professional Bankruptcy Attorney. In this Bankruptcy the XXXX XXXX account was XXXX by the grantor and closed in XXXX. 9 years later I get a letter from Specialized Loan Servicing that they are the XXXX loan '' servicer and was transferred XX/XX/XXXX, and that Specialized Loan Servicing center would be collecting 'my payments '' going forward. This is illegal. 
The account was XXXX and closed in XXXX. Now, 3 years later they have added significant interest and now state we owe them over XXXX and says it does not include their attorney fees and other cost. They are trying to foreclose on our home. 
SLS can not collect on a debt that has been closed by grantor and XXXX in my Bankruptcy. XXXX provided me a " Promissory Note '', with only XXXX signature and no date, there were XXXX borrowers, for paperwork purposes, however I feel it is not valid and not a legal document. 
Predatory tricks, vague letters and falls claims. I am protected by the Fair Debt Collection XXXX which prohibits XXXX from trying to collect in anyway on an account that was dismissed in Bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Harpeth Financial Services, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Thiscompanyisfinancinghurtingme.IneededmoneyandappliedforaloannotknowingtheAPRwas360%,Idonotunderstandhowtheycanlegallydothis.Theyautodebitmybankaccountandleavemebroke.TheygivemisinformationeverytimeIcall.Donotallowmetoclosetheaccounttopreventfurtherdebits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint # XXXX was incorrectly closed by Wells Fargo over the XXXX while we were traveling. ( Any complaint closed out this fast should be a bell ring to CFPB. ) A Rep from Wells Fargo ( WF ) called today and we went through it again In XXXX we declare bankruptcy to protect the equity in our {$700000.00} homestead. From XXXX to XXXX several mods were offered by WF, none of them XXXX. WF accepted the terms for the XXXX XXXX  Bailout of XXXX, and knew full well that they were obligated to offer mortgage clients experiencing difficulties XXXX mods but repeatedly denied us that option. 
We took WF to Vermont Superior Court where Judge XXXX ruled that WF was obligated under the XXXX XXXX  Bailout agreement and required WF to strike a XXXX  mod with us and pay us 80 % of our legal fees. 
If WF had struck a 2 % XXXX mod with us in XXXX, we would have saved $ XXXX in accrued interest at 4.75 % that was capitalized into the new XXXX XXXX mortgage. I want to recover that $ XXXX from WF  and/or CFPB.

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 2023-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery associates called on following dates with several different phone numbers. After a letter stating that they cant sue due to its age there is no proof of debt in this letter as to last date paid no signed contract between me etc they were told until they can prove the actual debt ( which they have failed to do so ) to stop all further calls or communications. Repetition of calls is harassing behavior! Especially without time to look at letter that was requested more than 7 calls before this. They are using repetitive calls as a tactic to try to get people to pay on debts not owed. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX letter received but failed to state when last payment was made and chain of custody proof that amount was whats true or not, XXXX XXXX, XXXX XXXX ( first original date I requested proof but none still given ). I have reason to believe that this portfolio recovery services is trying to scam on a time barred debt ( past the statute of limitations ). 

There have been more than 6numbers that I can count that they have called me from and none are their actual buisness numbers. Only one that I can recall of.

Company response to consumer: Closed with non-monetary relief