BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a loyal member of the Delta Skymiles American Express Credit Card for several years, and I recently had the unfortunate experience of finding several thousand dollars of fraudulent charges on my credit card. I submitted a fraud claim to American Express and they promptly handled the situation. This was subsequently followed by an investigation. <P/>During the investigation I was asked a series of questions which I answered and over the course of the investigation, the merchant where the fraudulent charges came from was unable to generate any documentation that could substantiate that these were in fact valid charges. <P/>To my surprise, the AMEX fraud team member informed me that they would not be removing these charges from my account. I asked if they could do that given that no documentation was provided from the merchant and she could not answer the question. I then asked to speak to her manager- I spoke with her manager and her manager was also unable to answer the question " can you reinstate charges on a fraudulent claim when no supporting documentation was provided by the merchant? ". So I then asked to speak to her supervisor. Her supervisor left me a voicemail when I was out of town on business and by the time I returned they decided my case was closed and put the charges back on my account. <P/>I was never given the chance to speak to the supervisor and be given a fair chance to discuss the fraud process. It seems that AMEX was eager to close it out and did not wish to involve me as much as I felt was fair and necessary as the consumer claiming several thousand dollars of fraudulent charges. Furthermore, I feel that, because these were NOT my charges and there is no documentation to support them, I should not be held liable for paying for them. As a responsible person I am writing this not only because I feel this is unjust, but also because I want to pay my bills, and I certainly want to pay AMEX whatever is owed to them. However, I do not wish to pay for charges that I did not make and I think that most people could understand that rationale. I sincerely appreciate your time to review my

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: MN
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 want the following consumer statement immediately deleted from my XXXX XXXX, XXXX and Equifax credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
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: Account status incorrect

Complaint:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} 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

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 2019-12-01
Company: Experian Information Solutions Inc.
State: MN
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 want the following consumer statement immediately deleted from my XXXX XXXX, Experian and XXXX  credit report : I have never resided in the state of Minnesota and has resided in XXXX XXXX North Dakota since XX/XX/1974

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 2022-03-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I set up autopay, for a few days before my due date, while on the phone with a Kia representative. Great- payment went through with the info I entered, no problems. The next month, they said the payment was rejected by my bank and waited until 1 day after the due date to tell me, charged me a {$15.00} rejection fee. I went online, clicked " pay bill '' ... .did n't enter different information, used everything Kia had already to make the payment ( meaning my 14 digit checking acct. # was saved to my Kia acct. properly ). There was no reason Kia couldn't have processed the payment, but they processed it with only 11 of the 14 numbers. I called Kia and they assured me it was fixed and wouldn't happen again. Next month... same thing. I had to call Kia 6 times to get it sorted out. They shut down my online acct. less than 24 hrs. after my due date so I could not pay online and when I asked to be transferred to online help to see why the autopay wasn't working and find out why I was couldn't pay online, they transferred me to a third party collection agency, XXXX, and they wanted a {$7.00} fee to process the payment over the phone, plus the late/processing fee of {$15.00}. I was assured my autopay was set-up correctly by Kia, and then they charged me late fees because they didn't process the payment correctly. I begged them to waive the fees, and they did, but rfused to allow me access to my acct. or transfer me to any other dept. except collections until my payment processed. Collections after less than 24 hrs. late... .with autopay set up correctly.

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 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security

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 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX   XXXX    XXXX   XXXX   XXXX   i have called varies times sinc e 2015 i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or a pply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  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 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently been informed that there is negative information reported by XXXX XXXX XXXX Reported : XXXX XXXX, 2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2019-12-01
Company: ERC
State: GA
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 recently been informed that there is negative information reported by ENHANCED RECOVERY COMPAN Reported : XX/XX/2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported.

I challenge the accuracy, compliance and reportability of these listings.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hello, Filing a complaint on this bank, harassment from then day and night. Goodmoring, this problem is with XXXX XXXX call are being rolled over from city from state of Ohio XXXX and and I have told the customer service department that I went to the bank brand manager, and customer service teller about problem call that I 'll getting at XXXX XXXX and through day even up to XXXX XXXX at night. The bank told they do not call you like that.but a call come from them.after you tell you talk to your brand it should have stop.and they would contact the department ask them to stop calling now we no the problem is someone have use my card with my permission.and my credit card .And it also need it mos fee pay of {$30.00} I want the bank in person and talk to them face to face.again I was told do not worry about it.this was brand XXXX XXXX XXXX area.yes I did take care of the matter.for the last three mos this problem start with call after call morning XXXX XXXX, XXXX, XXXX XXXX unlit XXXX clock at night all day on the weekend.I have there number,XXXX/XXXX ( XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX Now the reception on was this morning XXXX-XX/XX/XXXXXX/XX/XXXX,  at XXXX, again at XXXX, again at XXXX, The same number, from XXXX then at XXXX clock XXXX I told the operation that please stop calling me because I already talk to the bank about the matter and the bank said there is no problem with my account. She have a smart month.the are going to keep coming unlit it taking care of.night and day.7 day of week if I like it or not.I ask her do n't she try checking with the department and calling bank brand.them hang up.I also told thems I have identify theft. It is on with the bank.At this time I have no other choice but to filed this on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2012 ,  XXXX   2012  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received my western union prepaid card in the mail but have had trouble activating over the automated system, online and over the phone. My online access was activated but now it is locked. In an email from the company I was informed that my account is on a temporary hold and my concerns can not be resolved through email. However, my activation and concerns can not be resolved over the phone. The representatives stated twice that I am ineligible yet the card does not require a credit check and I have the card in my possession.

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 2017-06-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I signed into the XXXX app to get my payday advancement and an notice popped up saying they ca n't view if I got paid because Wells Fargo blocked them from seeing I got paid. Maybe it 's because it 's the weekend. Not sure.

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 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

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 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
After providing TransUnion with information showing this XXXX wireless account didn't belong to me they still refuse to remove it. This is getting very frustrating because i have provided documentation and they are still failing to remove this item. I have provided a police report stating XXXX was opened by someone else and are results of identity theft. At this point if TransUnion continue to report this unverified account, I will have no choice but to take legal action. I will be using the complaints I have filed, along with all the documentation that I have already sent to the company.

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 2019-12-01
Company: EQUIFAX, INC.
State: FL
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:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation