BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
American Express moved me from paper statements to paperless billing without my knowledge or consent. I do not have an online account. I never signed up for paperless and I don't want to. As a result I receive NO bills and my payments are invariably delayed. 

I have tried multiple times to fix this situation with American Express by requesting a return to regular paper bills. American Express refuses to do this - even though the move to paperless billing was not authorized by me in the first place. 

Any help you can give would be appreciated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This company stated the accounts with them were charged off. They also sold these account to debt collectors and so they were indeed paid for the account. Debt collectors are now telling me I owe them for a debt. I need the balance to reflect as it should be which is XXXX. This company also did not provide me with my copy of the 1099c for their financial cancellation of this debt. If they did then that would be clear evidence that this is no longer owed. Its improper to state I owe something that they received payment for whether it be by government or myself. I need full accounting records showing they were never paid by the government which is obligated to pay for all public debts and if indeed they were then I do not owe them anything. If they can not provide that then this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causer to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
In XX/XX/XXXXI received a Loan from Santander Bank for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was XXXX by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with Santander to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with Santander because I had GAP insurance, they were contacting Santander but Santander did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and Santander would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these XXXX  Alerts are not deleted, I will also file a XXXX  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 non-monetary relief
Consumer complaint received 2019-05-06
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Talked to SLS today, had an attorney XXXX XXXX XXXX, helpling me but is a scam, didnt know what they submitted, then get a letter about short sale, XX/XX/XXXX then sent to them on XX/XX/XXXX no response. Talk to rep, said sale XX/XX/XXXX,  refaxed modification and removed  XXXX XXXX XXXX, but said no time?!?!? If need to short sale how can i list in 2 weeks!!! Know not an excuse but didnt sign anything with the law group, doing it on my own now.

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 2021-11-04
Company: LEXISNEXIS
State: DE
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 reached out to LexisNexis Several times and also had my attorny send them notice about an alleged bankruptcy reporting on my file. Ive asked them multiple times for proof and they have none with is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I requested documentation to demonstrate that I owed this company. Despite this request and their failure to do so, they have not removed the item from my credit. if this is not removed I will be seeking legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: MD
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:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened account in XX/XX/XXXX, made 3 deposits of XXXX, total amount XXXX, left the money in for 60days, this should have qualified and was also confirmed by customer service to meet the {$500.00}. Savings bonus offer ... .called two months ago and they said need to be 60days, then within 90days after u would receive bonus ... here we are almost 7 months later and nothing has been added to the account ... XX/XX/XXXX 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 monetary relief
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX Bank of America closed my account due to it being overdrawn for {$520.00} they reported me to XXXX and I am unable to open a banking account with any financial firm. The debt was paid in full on XX/XX/XXXX. I have contacted Bank of America multiple times most recently on XX/XX/XXXX and have requested that I be removed from XXXX to allow me to open a banking account and they have been unhelpful. 

At this time I am requesting assistance in the removal of this report to allow me to open an account with any financial institution. 

I have just submitted my LLC filling in my state of residence and will require banking services for my business and for payroll processing. 

At this time if Bank of America remains unwilling and unresponsive then I request their formal mailing address to file suit against them as they have been unwilling to resolve this matter amicably. 

Thank you for your time and consideration.

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 2018-09-19
Company: Experian Information Solutions Inc.
State: NH
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:
Experian sent me an alert that someone had reported a change to my account. When I pulled my credit free report through their website I found that they had changed my address incorrectly, and without asking me. When I tried to dispute this they took me through a series of online screens that ended with an error saying try back later. When I called the " dispute '' line there was no option to dispute and no way to speak with a live person. The system hangs up on you. This situation is appalling. 

Throughout the process Experian tried to sell me services and protections for the personal and financial data they store and update without my permission, and which they failed to protect. Unfortunately, since they appropriate my most sensitive data without my permission I have no choice.

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 2020-09-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This month, Wells Fargo has notified me that they will be changing the MSF structure to their " Everyday Checking '' accounts. Basically, a method of using 10 or more posted Debit card transactions will be removed as a means to waive the $ XXXX  monthly service fee. The only alternative is to have a {$500.00} daily balance. 

Unfortunately, no other Checking account that they have available has this option. I ask that your organization investigate this practice, as it will profit on the most vulnerable individuals and families, especially in light of CoVID and the loss of income for many. This decision was made arbitrarily and without consideration to the many customers in Oregon. 

The only solution that I can think of is that WF be required to have at a minimum one Checking account that can have its MSF waived via 10 debit card transactions. 

Important information about avoiding your monthly service fee What is happening Effective with the fee period beginning after XX/XX/2020, there will be changes to your Everyday Checking account ending in XXXX. 

Avoiding the monthly service fee with 10 or more posted debit card transactions will no longer be an option. 
The options to avoid the monthly service fee using minimum daily balance or qualifying direct deposits will be based on a minimum of {$500.00} each fee period. Depending on your checking account type, this represents a lower minimum for one or both of these options. 



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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I never gave XXXX TransUnion or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 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 report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One bought a fraudulent Walmart card from XXXX XXXX in my name when this card peered on my credit report I can usually contacted XXXX XXXX and they send me an affidavit with the posted transactions I signed that I've heard of it as not mine and circled all the transactions as unauthorized that was approved account was removed XXXX XXXX credit report six months XXXX XXXX sold this card to Capital One and now Capital One is showing a unpaid doing good on my credit report when I contacted Capital One they have no idea where this balance coming from they just have one answer to everything XXXX XXXX so does this this is an absolute violation of My Fair Credit Reporting I want Capital One to send me designed terms and agreement and how does application was submitted you know this XXXX doesn't belongs to me or anybody need a XXXX   either Capital One and Capital One has no ride without my permission to use my credit report as a form of extortion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: Global Lending Services LLC
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:
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, GLOBAL LENDING SERVICES, INC. add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted to work with XXXX  and Transunion, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2019-09-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was shocked when reviewed my credit report and found late payment on the dates below. 
Creditor : XXXX XXXX XXXX Account # XXXX I was never late 30,60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I am not sure how this happened. I have always made payments in full and on time to you when I received my statements.my only thought is that there was a billing error with my 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