BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Account was closed in XX/XX/2019 and American Express charged me back {$50.00} for a transaction from XXXX. 


Thank you for speaking to me about my issues on my account. Thank you for confirming the following : Even though the card has been closed since XX/XX/2019, the {$50.00} reversal is my responsibility. I have already mailed the check. The mentioned account has been closed since XX/XX/2019. Thank you for confirming that you can not provide me no additional assurance that there will be no additional " surprise invoices '' even though the account has been closed since XX/XX/2019. As a consumer, I am greatly concerned after our conversation that there may be another " future surprise invoice '' for another charge American Express decides to say I owe in two or three years. This is why you clearly refused, per our conversation, to put a letter in writing stating that the {$50.00} I remitted would permanently close this account even though it has been dormant for almost a year. You also mentioned that you report directly to the chairman and your word is final. I asked to speak to your manager and you told me you had none and reported directly to the chairman, Mr. XXXX XXXX. 
Please provide me the following : 1 ) The entire account agreement that I executed with American Express. 2 ) Any application I signed or approved electronically with the disclosures. 3 ) All written correspondence that you sent to me during the time I was a cardmember. 4 ) Please confirm that your address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX and you work in Mr. XXXX 's office. 
I look forward to receiving these documents via XXXX XXXX by the close of business on XX/XX/XXXX. I remain, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security.

Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. 

In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here. 

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. 

Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX  # XXXX These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2021-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On Wed, XX/XX/2564 BE at XXXX XXXX  XXXX XXXX XXXX wrote : I paid for XXXX XXXX XXXX services and during the year I had this protection my info was breached on the dark web 19 times. Ive been dealing with payday loans being taking out in my name XXXX Kansas and all kinds of other identity theft issues. I want to know how to pursue the id theft insurance premium that was guaranteed as part of my membership, as Im not satisfied that my info was kept private or protected. I suffered lost wages from not being able to work, had to pay for credit repair services, unauthorized transactions and accounts jn my name, and other issues tied to these data breaches. Now I heard t mobile has one, which I had last year and also have a ridiculous bill I need to dispute on my credit report. Please see attached for examples.

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 2023-03-29
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I work for a nonprofit and have twice  submitted my employer 's cerfication to MOHELA and gotten rejected. This same employer has been approved for most of my past payment periods. The one payment period that was not certified was recently reviewed by XXXX and found to have been denied in error. I uploaded a copy of this letter to MOHELA via the app and they deleted the record. That omitted period alone is the difference between my loans being forgiven with the 120 qualifying payments. The reason why MOHELA says I do not qualify foe forgiveness is incorrect. " You are not eligible yet, as you have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. In addition to making 120 qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under PSLF. '' I have both made 120 qualifying payments ( actually, more under the XXXXSLF rules ) and also work for a qualifying employer with a nonprofit status. My employment has not changed in 7 years. See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | TAX-EXEMPT SINCE XX/XX/2009 EIN : XXXX Classification ( NTEE ) Primary, Elementary Schools ( Educational Institutions and Related Activities ) Nonprofit Tax Code Designation : 501 ( c ) ( 3 ) Defined as : Organizations for any of the following purposes : religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition ( as long as it doesnt provide athletic facilities or equipment ), or the prevention of cruelty to children or animals.

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 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported a fraudulent transaction in the amount of {$650.00} on my debit card dated XX/XX/2021 associated with my Bank of America checking account ending with XXXX. However, Bank of America refused to credit me because they claim it does not fall into their fraudulent transaction guideline. I, therefore requested Bank fo America to provide to me the phone number or any contact information of this merchant so I could contact the merchant directly. Since Bank of America refused to do its job I want to find out exactly what has happened as I have never purchased anything or received anything from this merchant. As it shows on my bank statement, the merchant is " XXXX XXXX XXXX in XXXX Colorado ''. However, Bank of American could not provide any phone number, website or contact information for this supposedly one of the largest sports goods business. When I asked for it the Bank of America representative said she said she did not have it but can google it. So obviously Bank of America did not do any investigation on this transaction. The merchant is highly likely to be a fake business using the name of XXXX XXXX. I am frustrated and infuriated by Bank of America 's illegal reaction to my fraudulent claim. So far Bank of America could provide no proof of this being a legitimate transaction, no merchant information other than a name, no website, no address, no phone number, nor order number, merchandise ordered.

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 2019-10-30
Company: U.S. BANCORP
State: TN
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:
OnXX/XX/2011someone open up a fraudulent account in my name with Elan Financial service goes by Card member service. I've reach out to the company numerous time requesting for them to send me legal documentation that the account belongs to me. I also ask the company to send me proof of my driver 's license and application were I did the application. Elan financial service will not send me any proof that i open this account with them. I have sent in a police report to the creditor bureau on my behalf stating that i have been a victim of identity theft. I fell that all my rights have been taking away from me because of this matter on my credit report. please 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 2023-01-31
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:
Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is XXXX to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and Transunion that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer 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 2019-02-08
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company is reporting that money is owed to XXXX. 
We do not owe money to XXXX, yet the collection company continues to report and pursue our family.

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 2019-10-30
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was not served properly. when I got home on around XX/XX/XXXX my neighbor handed me two summons that she said were given to her by an un known person. I was not home so they gave them to her. I am never home at the same time as my neighbor he waited until he saw me. when I saw what it was it turned out to be a law suit. but by the time I got them it was long past the time I could show up to court. 
I don't think this is right. I am pretty sure that I would have had to be personally served and I was not. one of the summons was dated XX/XX/19and the otherXX/XX/XXXX I looked up both of the summons on line at the XXXX court house and both say that i was personally served. and that is not true. i was never served and when i got the paperwork it was long past the time i could show up to court. 
this is not fair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did an credit check they said that I might be in a case of fraudulent

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 2017-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called XXXX XXXX on XX/XX/XXXX after I made a payment on the card because I saw a {$14.00} charge that I had not made. A dispute was filed on the charge and the card was cancelled to prevent any other fraudulent charges from being made. A new card was to arrive in 5 business days. My new card still had not arrived on Saturday, XX/XX/XXXX so I called once again and they I had called on Wednesday, XX/XX/XXXX, which I most definitely had called on XX/XX/XXXX as that is the day my payments are due each month. I called today, Monday, XX/XX/XXXX as  my new card had arrived and I needed to activate it. However, the entire account has been blocked while they work on the dispute. This was not mentioned the first time I called on the XX/XX/XXXX nor the second time I called on the XX/XX/XXXX. They have said they are expediting it and I should hear back in 24-48 hrs. However, that is unacceptable as I have purchases that need to be made, including prescription medication and will be traveling back home for the holidays shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Small Business General Correspondence Credit Card and Line of Credit Capital One Attn : Credit Card Fee Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Credit Card Late Fees Please Rescind Late Fees and Credit Service Reports We remain pleased with the services we are receiving through Capital One Credit Card Services. 

Please note an error in the credit card payment fees that we wish to address : We inadvertently made charges on two of our Capital One Business Credit Card accounts on cards that we do not use and in general, do not track. 

The charges on these cards should have been on another of our Capital One Business Credit Cards. 

The cards that were charged in error : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX The cards that we regularly charge on : XXXX XXXX XXXX XXXX Average of {$40000.00} per week in charges XXXX XXXX XXXX XXXX Average of {$1800.00} per week in charges With an annual charge on our Capital One Business Cards over {>= $1,000,000} annually and an unblemished payment record on both of these cards since XX/XX/2016 : Please Rescind the Late Fees and clear the Credit Service Reports on the late payments on the first two cards ( # XXXX, # XXXX XXXX. 

Finest regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-11-29
Company: Experian Information Solutions Inc.
State: TX
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:
*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXXXXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX  XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING

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 2019-10-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to lack of communication after filing bankruptcy we got behind on our payment. During the process of catching up we where told different amounts and information during each communication. In XXXX we mailed in the balance due to make our account current and next payment due XX/XX/XXXX. I was told this total during two separate conversations with multiple employees after I was told a different total prior. I also confirmed this total before mailing the payment. Now the company is stating we have over {$1000.00} in fees and charges as of XX/XX/XXXX. Both XXXX and XXXX payments were made on time and in full. There is no explanation as to what these fees and charges are for on our statement.

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 2020-02-07
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX  sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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