BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: AES/PHEAA
State: NJ
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:
XXXX is in violation of the law and inaccurately reporting items from my credit report. I already sent them disputes since XXXX but still there were no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Issue: Payoff process

Complaint:
We have a complaint against American Express about deceptive advertising. My son and were issued a XXXX for Business Card from American Express in XXXX and as we own a startup, we needed money. They have this check spending availability feature which allows you to spend a certain undisclosed amount over the limit. We were hesitant at first, and we called American Express in good faith to know exactly how much we can spend over the limit. They told us the website would tell us. We thought, fine, we 'll do that. Big mistake. American Express then pulled both of my accounts with them without any warning. They had us pay a minimum of {$600.00} or more every month. Then in XXXX, they began charging us over {$900.00} per month. We were unable to meet these high minimums. Now they harass us constantly, threatening us. Their debt collectors within American Express threaten to take our case to an outside collections agency and ruin our credit. We tried to explain to them the situation, yet they 're not happy with less than {$3000.00} a month. We now have a hard time keeping our other obligations due to their high demands, causing us to fall behind our other bills, I guess that 's how they plan to ruin my credit. My son handles all the finances with the business cards, and he is even having a hard time paying his cards because of the demands of American Express. We both understand that American Express has been in trouble with the CFPB and other agencies for similar type tactics. Please let us know how we can get them to stop. We even indicated to them we are willing to work with them to get this issue resolved, but they do n't want to listen to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I mailed Equifax a letter disputing XXXX as erroneous ascertified mail with return receipt requested. I received notification that Equifax had received the dispute letter in the mail XXXX. I have not received a response from Equifax as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, Equifax has 30 days to investigate disputes. Equifax must delete all disputed accounts from my report if they are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter outlining the disputed accounts. 

Since I am prepared to pursue this matter in XXXX Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: ROBINHOOD MARKETS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I changed my legal name and submitted to Robinhood all the required documents to update my name on my Robinhood accounts. 

For a week, customer service made multiple contradicting requirements, and every time they asked me for a new or additional information or document I happily provided them within less than 24 hours from the request time. 

To my surprise, they decided to block my funds, my debit card and access to my funds. It's been more than 4 weeks now, and every time I ask for information or attempt to speak to customer service they tell me that they can not disclose their review until it's completed. 

I am the victim of Robinhood hyper vigilant automated systems that deny me access to my own funds for weeks, for no real valid or legitimate reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Bread Financial Holdings, Inc.
State: NY
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:
PLEASE REMOVE 1. Identity Theft CCB/XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want Transunion to delete this information and to be accountable for their illegal actions.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Wells Fargo on XXXX. I never had any problems with my account until I received some XXXX deposit on XXXX the amount was {$2300.00} for the part time job I started in XXXX. I was told the amount was reported fraud. I spoke with my XXXX from the part time job. The XXXX told me that wasn't right. It happened again on XXXX for {$2000.00}. I explained to Wells Fargo again payment was for my part time job. I also received a call from a Wells Fargo representative letting me know someone called Wells Fargo pretending to be me during that time. I created a password to make sure my account is secured. The password would be used when I call in about my account. 
In XXXX of XXXX someone's unemployment payment was sent to my account by mistake. Wells Fargo blamed it on me. I told them I didn't know that was sent to my account. The money was returned to the sender no problem. I thought everything was okay. I received a call from Wells Fargo on Saturday XXXX that my account was being closed and there's nothing I could do about it. I went to the Wells Fargo ATM to get my money that I could get from the account. They would not listen to me. The blamed all mistakes in me. I made sure my account was secure from my side. The closed my account wrongfully.

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 2022-08-03
Company: EQUIFAX, INC.
State: AZ
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:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting the wrong address on my credit report. I spoke with Experian 's rep on XX/XX/2017 and they indicated that I would need to send them a Utility Bill, Social Security Card, and a Drivers License in order for them to update my address. However, I do not provide that kind of information to public corporations such as theirs. I also explained this to them when I uploaded my dispute documents with the correct address on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted JPMCB twice in XXXX and twice in XXXX regarding the balance they state Iowe. I sent JPMCB proof 4 times ( copy of a letter JPMCB sent stating paid in full ) and they continue to report a balance owed which has now turned into a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/XXXX I received a lot of mail and text messages about owing money to an account that was from XX/XX/2020. Im just worried about my information being leaked cause its been difficult purchasing a car or try to get my credit score higher. I just need help 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 2021-10-21
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am closing on a  XXXX  home in  XXXX , TX with the builder 's approved lender, Prime Lending as the lender.      XXXX   XXXX   17 : I  locked my rate for 60 days.     Given the following closing dates by the builder  XX/XX/XXXX       ( Verbal ),   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . Received an initial closing disclosure for  XX/XX/XXXX .      XXXX    XXXX    17 : M y rate lock expired because the builder still could not complete the home. Was told by the loan  Officer,  that I would have to pay a  1/4 penalty f or the lock expiring and lock at worst case rates. Was told new rate would last till  XXXX   XXXX   17.      Eventually told interest rate would be 4.375  % ( o riginal rate ) even though prevailing rates were 3.875 % - 4.000 %. Provided proof of a loan estimate from another lender at 3.875 % but they would not move on the rate. Also, my float down option went away completely. They eventually offered to pay for the rate lock expiration penalty, and {$880.00}.     Given new closing dates of  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  Asked for a new disclosure several times, including via email on  XX/XX/XXXX  ,  XX/XX/XXXX , and  XX/XX/XXXX .       XXXX   XXXX   17 : Re altor asked for the builder 's representative,  XXXX   XXXX , for closing to be moved to  XX/XX/XXXX  or  XX/XX/XXXX  She refused and there are additional issues with home as well. In fact we will be unable to see our {$16000.00} wood floors until 2 days after closing (  XX/XX/XXXX  ) because they are being finished on the day of closing and dry fo r 24 ho urs. When asking to move the closing she also told me I would start accruing a {$200.00} a day penalty starting on  XX/XX/XXXX .     As of  XXXX    XXXX   on  XX/XX/XXXX I have not received the disclosure and my closing is tomorrow,  XX/XX/XXXX at  XXXX    XXXX   at a location  XXXX  miles from my current home.     I have consulted with the realtor and he recommended to file a complaint. It is both his and my understanding that when a rate lock expires, a new disclosure document is required and the 3-day window applies.     I have attached the last closing disclosure that I received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: IA
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: Problem with product or service terms changing

Complaint:
TO WHOM IT XXXX CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXX AUTO XXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF LA XXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " XXXX '' COSTING ME THOUSANDS OF DOLLARS IN XXXX MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE XXXX DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE XXXX DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE XXXX BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE XXXX BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE XXXX BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE XXXX LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: VA
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 submitted a notarized dispute letter dated XX/XX/2021. It is now XX/XX/2021 and there has been no response. According to the FCRA, if there is no response from the creditor within 30 days of dispute, the item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Collections Acquisition Company, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not has any personal dealings with Payliance. never sent anything in the mail stating that I owe them and how. I just say this information on my credit report one day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation