BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: AmeriCollect
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Americollect has been attempting to collect an already paid debt to XXXX XXXX XXXX in XXXX, Washington. in the sum of {$250.00} Dispute attempts by phone were met with associates explaining to me that I could not file a dispute or require validation by phone ( which they are legally required to provide ) and may only communicate with the dispute department via email. 

I emailed Americollect and requested a cost breakdown and validation of this debt, I only received an email that stated " we have verified that you owe this debt ''. without the required breakdown of costs associated with it. 

When I attempted to dispute during the first call, the operator stated " I don't see why you would be willing to let this damage your good credit. '' due to this, I feel as though my credit was being directly threatened by a representative of Americollect on XXXX behalf. 

Americollect also intentionally misrepresented this debt as a retail debt and not a medical debt to credit bureaus. 

According to the laws in place by the XXXX XXXX XXXX, they are in violation of the following items : The willful misrepresentation of the type of debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
The threat to take any action that can not legally be taken or that is not intended to be taken The false representation or implication that accounts have been turned over to innocent purchasers for value. 
The false representation or implication that documents are not legal process forms or do not require action by the consumer. 

In addition to the violations above, I believe that this was reported and misrepresented willfully with the intent to damage my credit 's good standing and prevent me from meeting credit-based goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I received a notification from XXXX  stating that a hard inquiry had been initiated with JPMCB-Card Services ( JP Morgan Chase ) and it was inquired on XX/XX/XXXX. I did not inquire a credit card with them or any other company ; This is a fraudulent act that I am hoping can be resolved and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
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: Their investigation did not fix an error on your report

Complaint:
I submitted an affidavit of truth and facts to Equifax. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX tx. I asked for a XXXX they said that they don't do XXXX. I purchased the car XX/XX/XXXX XXXX took the car back because of mechanical problems 3 times. In XXXX I started getting calls from Westlake Financial I called and asked why they said that they are taking payments for XXXX XXXX. When I first went to XXXX XXXX XXXX they said that Westlake would take me as a customer. Ok I went to trade the car in and I'm told that the car has a total loss on the title Noone at XXXX told me that I'm stuck with this car that has no value to it. Fraudulent Sales on behalf of XXXX XXXX XXXX. I was sold this cat for XXXX dollars payments XXXX per month my insurance company only let me put liability on the car because it is a salvage title I want my money back and this car is reporting on my credit.

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 2021-07-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, XXXX XXXX XXXXXXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXXXXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( See mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal 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 explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, Bank XXXX XXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( SeXXXX mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal 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 explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.

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 2021-07-26
Company: BANCO POPULAR DE PUERTO RICO
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: Account status incorrect

Complaint:
On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer Banco Popular reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted Banco Popular on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from Banco Popular. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-26
Company: Convergent Resources, Inc.
State: PA
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. 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 XXXX  and XXXX Data breaches. I decided to look at my credit reports 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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 2021-07-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had and continuously used the " Guitar Center '' credit card financed by Synchrony Bank for years and have always paid the account on time and managed the account online with the exception for one time that I paid it a day or two late and called Synchrony Banks customer service number to get the account paid immediately and they also waived the late fee. Recently I have noticed that Synchrony Bank, ( through whom I have several other open credit cards and in store credit cards with, and all which have been managed and paid on time ), have adjusted their websites when you log in to manage accounts to solicit you to accept digital paperless emailed statements. I NEVER selected this option and NEVER arrange for email statements as I get an average of over 100 emails a day and don't have the time to flag or sift out any potential email statement form teh several creditors that i have accounts with. Well, last month after I logged in to pay my Guitar Center account, apparently they arbitrarily switched me over to paperless statements and because of that, I missed my payment due date of XX/XX/21. So when I get an email warning me that my account is past due. I call them immediately to find out why and after dig up my previous paid statement and confirming with the customer service agent that my account was switched to paperless billing, I demanded that it changed back and that the late fee be waived as this was NOT selected by me. I also asked to be transferred to a US based manager which I eventually was after being disconnected and had to call back and start all over again. Now completely irritated, I was finally connected with a US Based agent who reluctantly waived the late fee and accepted my payment of {$60.00} over the phone and then she also disconnected my call after I demanded to speak with a corporate level manager as to why my account was switched to paperless billing without my knowledge or permission. At which point, my call was irresponsibly disconnected again! Little did I know that this agent also processed a closure of my account! Of which, I did not request. And now, after 3 days of phone call attempts, I can not get a hold of anyone in executive level consumer relations to determine both who and why exactly my account was discriminatorily closed or, why they are unable to re establish re-opening of the account. I did just a little online research and, have found and enormous amount of current lawsuits, class action suits, and extremely bad reviews against Synchrony online for this same reason as well as several others. I need help with this matter and am looking at the very real possibility of this going to court. How can you help?

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 2022-11-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I accidently made a huge over payment on my credit card ; I sent them my mortgage payment of {$2600.00} and sent my mortgage company a payment of {$300.00}. I called them immediately after noticing it, but it couldn't be instantly reversed. I spoke with XXXX XXXX ( my credit card company ) and the rep told me he saw my overpayment, but the only option was to send me a refund back in the form of a check. He said before he could issue it, he needed me to verify the payment. He asked me very specific questions like : the exact payment amount, the bank the payment was written on, the address and phone number of the bank, along with the acct # and routing # of the payment. That was on XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card only to find out it had been frozen. I called and was informed it was frozen because of the {$2600.00} payment. They wanted even more information now such as a picture of my ID, a picture of a utility bill, and a copy of the bank statement showing the payment. I provided all of that to them. On XX/XX/XXXX after still not receiving my refund, I called again and had to it all over again. Then on XX/XX/XXXX, I got an alert from Experian saying that XXXX bank reported my account as being over the limit by {$2000.00}. You'll see in the statement I'm providing that they claimed they issued me two different refunds and charged my account for them, but they never issued me any. Both refunds they processed were put on hold by them because they were verifying my identity. I called them and informed them of what happened and the 4 different reps I spoke with all were very rude and treated me like I did something wrong. They still claimed I owed them that money. On XX/XX/XXXX, without them informing me of anything, my account had been " fixed ''. They credited my account for the two refunds they claimed they processed, but didnt fix my credit report and they still havent issued me my money back. This company is actively trying to steal an overpayment.

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 2016-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had an overdue account for several months. However, in XXXX 2016, I paid my account in full. ( XXXX balance ) I talked to a customer service representative to get the payoff amount and I was given and paid that amount and told my account was current. On XXXX XXXX, 2016, I was told that current meant XXXX balance, but not necessarily active. Several weeks later, I attempted to use my card for the first time in 2016 and it did not work. Upon checking, there unpaid interest charges that were added after I was told the payoff amount. The agent refunded the charges but told me that my account was restricted and I would have to wait three weeks to be contacted about unrestricted offer. I was contacted today and told that my unrestricted offer was denied because their agent told me my account was current but never told me the account was active. However, they did not tell me it was restricted. As a result, I have an open account, zero balance, but an unusable line of credit. When I asked about getting it unrestricted, I was asked two personal questions 1 ) why did you account go unpaid for a few months 2 ) what do you need your card for. 

After I responded -1 ) financial difficulties 2 ) necessary purchase which I can not make with my bank debit card I was told that I did not meet the criteria. I asked why and the agent said - we can not disclose our criteria. Another option is to wait to maybe, not guaranteed, receive a mail offer to unrestrict where there is no criteria. 

I asked repeatedly for an explanation why? no answer. I feel I should get a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/2016 I submitted an online payment of {$7000.00} to Bank of America. Bank of America took {$70000.00} out of my bank accounts. I have tried since XX/XX/XXXX to get a refund but to no avail. I spoke to XXXX XXXX at claims to try and resolve the issue only to be told they have to wait 10 business days to refund my money. He informed me that on XX/XX/2016 that they would refund the money to XXXX the account. A letter from my bank stating that was an incorrect payment did not expedite the refund.

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