BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB, I have submitted a complaint in regards to my American Express Business credit card being closed by the bank on XX/XX/XXXX. On XX/XX/XXXX I found out that the bank closed my personal Credit Card account as well. I expressed my dissatisfaction as a customer for the course of actions taken by American Express Bank. I asked them how it was possible that they closed both of the accounts specially my personal credit card without any mail or email notification as they normally do when there are changes related to the account. The rep stated that no emails were sent but supposedly, a letter was mailed to me which I, have not received or read stating that the account was closed.I asked to speak with a supervisor to express my frustration and concerns about the bank closing my account. I openly expressed my discrimination concerns, after updating my bank account information for Auto-Pay, they still closed my account, even though I demonstrated my intensions to pay off both of the accounts. I honestly feel discriminated as a a XXXX Male for them profiling on my accounts. At this moment my credit is score is higher than the score and had a the time when my accounts were approved. I haven't experience this problem with any of my creditors in the past. These two closed account will impact my credibility with the credit agencies and drop my scores drastically. Is not fair for me as a customer to be put on this position as I take my credit and reputation very serious, plus we are in a middle of a pandemic with limited resources it take much more efforts to recover from this type of life events. 
I want CFPB to assist with this matter and explore the possibilities of having both of my account reinstated. Please let me know if you need additional information from me to assist me with the case. Thank you in advance for your assistance. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: NC
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 have sent in a Identity Theft report from FTC to Experian Credit Bureau. Regarding two accounts that are reporting on my Credit file that are due to identity theft. This has been going on since 2019, and they refuse to remove these two accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by Mail, Disputes online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. 

from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB have Experian to remove these accounts or Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing Experian.

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 2019-09-22
Company: Experian Information Solutions Inc.
State: SC
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:
First and foremost I do not want a fraud alert on my credit, it hurts the consumer and obviously doesn't protect the consumer. The attached table represents someone with a mid eastern voice calling several and multiple dealerships within XXXX, SC and throughout, submitting an over the phone application in my name, and the dealership or entity didn't verify the person on the other end of the phone was indeed the consumer that this information belonged to, and submitted it for credit approval at multiple places for some stated vehicles. This verification was done by calling the selected and reported businesses, and having been informed that the person wasn't me, based upon accent. The attached information, and table represent that these inquiries weren't performed with permission or authorization by 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 explanation
Consumer complaint received 2019-09-22
Company: Miller and Steeno, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received notification of alleged debt from Miller and Steeno P.C. on XX/XX/2019 in the amount of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX in 2013 and I went in the XXXX store to pay my bill with cash and they told me that they don't accept cash as a form of payment. My plan was a prepaid phone account. So if I didn't make a payment in advance I wouldn't have any service so how can I owe a bill on a prepaid account. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX  XXXX XXXX XXXX, IS NOT BONDED IN THE STATE OF TN TO COLLECT DEBTS. THIS IS A VIOLATION OF THE TN RULES OF DEBT COLLECTORS. COLELCTION AGENCIES MUST BE BONDED AND LICENSED IN TN IN ORDER TO COLLECT A DEBT. 

XXXX XXXX XXXX XXXX, LICENSE HAS BEEN EXPIRED SINCE XX/XX/XXXX ACCORDING TO THE STATE OF TN DEPT OF COMMERCE AND FINANCE. 

THEY ARE REPORTING A DEBT OWED TO ALL THREE CREDIT BUREUS IN THE AMOUNT OF XXXX, OPENED XX/XX/XXXX. 

Tennessee Fair Debt Collection Practices Act 62-20-105. License requirement. 
( a ) No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: ERC
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 information incorrect

Complaint:
XXXX sold my debt to XXXX XXXX XXXX XXXX in XXXX of XXXX, on XX/XX/XXXX that same debt was sold to Enhanced Recovery Company who then gave fraudulent information to XXXX  claiming the old debt was new thereby resetting SOL from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2017 my debt with XXXX XXXX XXXX credit card was near the 10k limit. I had already paid off an auto loan through them and then sold that vehicle to pay off my debt. Including the credit card debt. While hospitalized I recieved bills from XXXX XXXX XXXX as if unpaid. Now in collections. They sent me a bundle of paperwork showing several purchases from that card. The paperwork they sent has a signature with my name in cursive ... It is not my signature. This debt is paid. I paid cash inside the credit union bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I got divorced in XX/XX/2018. My husband has a dispute with his electric company. He has settled the dispute and moved forward with a payment plan. I have not lived in the property where the electric has been used for over two years. 
I reported this to Transunion and they supposedly investigated it. Nonsense. There is no possibility this was properly investigated. I do not have anything to do with this debt.

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 2021-06-04
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries from a company called : West Lake Service , Inc. 
The dates are : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I do not have any services with this company and I do not know who they are. Additionally, I do not know how or why they obtained a copy of my 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 2019-09-22
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paid company off, with an settled amount and i need this debt removed from my credit report. The less collections on my report the bigger my buying power.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2019, Chase cashed a persona check that was dated on XX/XX/2019 early. This resulted in an insufficient funds fee of {$34.00} for that transacition. 

Additionally, despite checking my account balances on XX/XX/2019 to ensure I had sufficient funds for the purchases and transactions, Chase has charged an additional four, separate {$34.00} fees for insufficent funds. I would have been unable to make these transactions if I was overdrawn so it is not clear how I had insufficient funds.Without these fees, I would not have needed to overdraw for future transactions which have also been penalized by two, separate {$34.00} insufficient funds fees. 

The total if fees to date has been {$230.00} dollars and it appears another {$34.00} will be charged on XX/XX/2019. 

Chase routinely back dates transactions allowing them to collect the fees although funds are available at the time of the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bought XXXX worth of appliances and delivery guy was abusive when he showed up. We declined the order and requested a full refund.. We even had to call the police on the driver. Sears offered us a XXXX delivery rebate for the abuse. We refused. Get credit card statement and they say I owe XXXX plus fees becuase purchase xcame with a gift card of XXXX. I dispute charge and they say they have no way to cancel gift card. I tell them the number is right on the reciept. They continue to say we must argue with sears and not citibank. This is a # metoomoment. I am being forced to spend a gift card at the very place that was abusive to me. It is like asking a women to go back and live with the husband that XXXX and XXXX her. It is ludacrous to say that a gift card is non refundable. I never purchased the card it was free when the transaction was canceled so was the gift card i thought but they want me to go spend money that I do not want to spend there. I explained thier logic is just crazy but they kept saying call the abuser sears to work it out. No I disputed the charge and they never asked for documentation or proof because they just kept saying you must spend the gift card. Of course they want late fees from the non payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2021-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian ; I made a formal complaint with Experian, XXXX XXXX XXXX, and XXXX and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.

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 2019-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the  Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that XXXX XXXX and Experian continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello my name is XXXX XXXX there are 2 public records ( dismissed bankruptcy ) that appear on my credit report that should not be on there due to the fact that the information is inaccurate and it is also unverifiable. I have a personal letter from the US District Court of Bankruptcy that states they do not report to the Credit Bureaus, this statement along makes the public record unverifiable. I am disturbed that Trans Union and XXXX  continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2020-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
It is unacceptable that since XXXX I have been unable to log into my online account with Equifax. I am trying to access my free annual report. Also, I need to dispute a credit account that was impacted by COVID-19 which has affected my credit score. I have sent their support department numerous emails to no avail. I have attached proof of these emails to this complaint. Not only was I affected by their data breach last year, I can not access my credit file. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
As more fully set forth in the attached documents : On XX/XX/2019, an item I listed on XXXX, XXXX XXXX XXXX XXXX Graphic Card, was sold for a total of {$520.00} plus {$24.00} for shipping fees. The buyer received the item on XX/XX/2019 and then two days later on XX/XX/2019, filed a complaint with PayPal stating that they only received " some bubble wrap '' and " outside shell of product. '' PayPal gave me the chance to refute the claim. I refuted the claim and sent in evidence of a USPS receipt with the actual weight of the item listed at 4lbs 9.2 oz. I believed this was enough for PayPal to find my claim credible and  the buyer 's fraudulent but this was not the case. Before notifying me of their decision and without any warning, PayPal transferred the sale proceeds out of my account and into the buyer 's account, leaving me with a negative balance. Only after the transfer of my funds did PayPal notify me that my appeal was denied for vague reasons. I called PayPal again asking them to let me appeal their decision and they obliged. I uploaded an affidavit, an internet crime complaint, and a formal complaint. After receiving the information, PayPal has again decided to side with the buyer because " they provided valid documentation supporting their claim. '' I have never seen this documentation but am told it is the same IC3.gov claim  that I have filed.

Company response to consumer: Closed with explanation