BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express offers a checking account replacement/prepaid card called 'Serve ' which I 've used for over two years in place of a standard debit card and checking account. Two days ago, I initiated a transaction over the phone using the card in the amount of {$910.00}. I gave the card # to a representative of the merchant and hung up, in anticipation that they 'd run my card and delivery my goods. Instead, I got a call from the merchant saying that they 'd tried to run the card and it was declined. After investigating, she realized that she 'd tried to run the card for {$2000.00} instead of the amount she was supposed to. When I checked my card account, I discovered there was a 'hold ' in the amount of {$930.00} - the entire available balance, on the card and the remaining available balance was {$0.00}. From the viewpoint of the merchant, they got only a 'decline ' message and no 'auth ' code. From my point of view, I was charged {$930.00} - an amount I did n't authorize. When I contacted XXXX, they claim the hold was a procedural matter and that it would expire in 7 calendar days. This is now 4 days before Xmas and I was forced to make a SECOND payment to the merchant of the original {$910.00} and after 6 subsequent phone calls to XXXX, I was stonewalled, told there was 'nothing they could do ' and even hung up on by a representative who grew tired of hearing my complaint. 

This ... practice ... must ... stop. There is NO legal basis for a bank, credit card company or prepaid card provider to hold or make unavailable funds subsequent to a DECLINED transaction. It 's like saying, 'well, you did n't have enough room for that transaction ... but now we 're going to hold on to what you DO have ... for 7 days '. HOW has this been allowed to go on? This is unfair to consumers and only pads the assets of big banks and credit providers temporarily at the expense of our finances, cash flow health ... and our sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After looking at my credit report I saw this company, IQ Data had reported a collection account on my file. Knowing each company is to be bonded, I searched the Texas Secretary of State 's website and saw that their bond expired about 2 years ago. I wrote to them stating they are not operating their business legally and to cease collection as well as remove the item from my report. Despite me pointing this out to them they responded with a bill and has still yet to get a bond to try and collect the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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:
15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( s ) XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Account ( s ) XXXX and XXXX XXXX XXXX Account ( s ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.

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 2021-01-12
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CAPITAL ONE did not use my information correctly, under the FAIR CREDIT REPORTING ACT, i have the right to remove that inquiry that took place on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I C Systems have been reporting an erroneous Collection account under my XXXX credit file for sometime. 

I sent them 2 letters via U.S. Mail and both letters have gone unanswered. I mailed the letter to them to their offices in XXXX XXXX, Minnesota as per their website. ( ICSystem.com ). 

They are willfully in violation of the Fair Debt Collection Practices Act ( FDCPA ) and also the Texas Fair Debt Collection Practices Act ( State XXXX XXXX ). 

They have failed to provide verification of this alleged debt. The FDCPA states " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor ''. They have failed and I have given them now over 60 days. 


As of today, I have formally sent a complaint to the Federal Trade Commission, the Texas Attorney General 's Office and also have made contact with a Law Firm to see what my options are. 

I will be suing for willful violation of all Acts and also sue for financial harm since I have been turned down for credit after applying for credit and having this frivolous trade-in on my credit report. 

They have until the close of business of XX/XX/2018 or I will file a personal lawsuit against IC Systems or have my outside counsel file a lawsuit. 

Thanks, 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 2021-07-15
Company: LJ Ross Associates
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I had credit cards through First National Bank of Omaha in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from XXXX XXXX XXXX XXXX for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called XXXX XXXX XXXX who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened the account on XX/XX/2023 I funded the account on XX/XX/2023 The debit card was activated on XX/XX/2023 The account was frozen and closed without my consent on XX/XX/2023 I can not access my funds and was told it could take XXXX days for a check to be issued

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 2019-10-08
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitive phone calls have been made at the dates and times below. These calls have been made to me during work hours and I am unable to communicate with them at these times. They are calling from the number XXXX XX/XX/2019 at XXXX EST XXXX XXXX at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I tried to follow the law and started to send letters to the XXXX in order for them to eliminate the accounts and the information that is incorrect on my credit report. They are not answering me and they are not doing anything on my credit report either. 

I just want to be able to find a resolution, and they are just ignoring my letters.

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 2020-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I am currently in the process of selling my current home and I received a payoff amount that included an amount that was created by falsely doubling a partial claim that was filed with HUD. I had a partial claim registered for $ XXXX and that was registered. I am no Im the process of selling my home and the company is trying to say that I somehow owe them XXXX $ on top of my mortgage to pay them off. I have provided all documentation proving that they are trying to double the amount due and they are refusing to help assist regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capio Partners Company balance XXXX balance XXXX original company XXXX XXXX XX/XX/2020 Date started This company is damaging all 3 of my credit reporting such as XXXX, XXXX, and XXXX. They are reporting inaccuracy information and updating dates to make it seem like this is an current account i tried calling them to get detailed copies of the debt and and they are rude, nasty and all they want is the money and hard to work with and i ask them to cease and decease and they continue to harass me. This is also being added duplicate times on my credit report and they still wont send out information so this matter can get handled it cause me to get denied for housing and jobs and any other credit that i have applied for. they also violated my HIPAA laws and rights. They also violated the fair reporting act, they violated the fair debt collections practices act, and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the XXXX & also I had some XXXX with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by XXXX XXXX and then I disputed with XXXX XXXX after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is XXXX XXXX is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially XXXX XXXX or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that XXXX XXXX can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well 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 2022-04-01
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, 2022, Ally Bank instituted CoverDraft for checking accounts. CoverDraft is where they cover overdrafts, up to {$100.00}. It's a feature we've automatically added to Ally Bank Interest Checking Accounts. 

When CoverDraft is used to cover a transaction, you receive a notification from Ally with the transaction information, and a message saying that we typically don't let you make purchases or withdraw money from your account if it stays negative for 14 calendar days. 

My account was overdrawn on Wednesday, XX/XX/2022. I received an email from Ally that stated : We'll never charge you an overdraft fee, but you'll have to deposit or transfer {$50.00} to get your account out of the negative. 

Immediately after that message, I received an email stating my account had been deactivated and that a deposit would be required to reactivate the account. 

On XX/XX/2022, I received a {$150.00} direct deposit. My account remains deactivated and Ally Bank has yet to reactivate my account and has left me without access to my funds. 

Ally Banks CoverDraft is not only an inaccurate, ineptly unfairly applied policy, it is fraud.

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 2018-05-23
Company: Self Lender Inc
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an account with this company last year to build my credit score. There was an issue when I switched banks the website would not allow me to add my banking information. I was late on my payment because I could not pay my bill online and there was no other way to pay it. I called the company to fix the issue and I emailed them and it wasn't fixed. my credit score has been impacted by this reporting because I was reported as being 60 days late. I tried to just use this information with the credit bureaus with no success and the company will not budge on its reporting of my payment history which is upsetting because rather than build my credit it actually hurt it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I've been to 4 differe

nt Chase branches and each time they come up with new and exciting reasons why they can't cash my Cashier 's Check drawn by Chase.

The Cashier 's Check is from an old business account of Chase. I've been told I need a business account. I apply for a business account and Chase denies me. I tell them that they wont issue me one and they say they can't do anything without a manager. Of course there is no manager in today and they'll call me back. I've never gotten one callback. As far as I'm concerned Chase has stolen {$6900.00} from my business. As Chase refuses to cash the check that they wrote for no reason.

Company response to consumer: Closed with explanation