BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was contacted by mail about a student loan consolidation service by a third party named XXXX XXXX who claimed to be affiliated with the US Department of Education. I beleived them to be legitimate with the way they presented themselves but after further investigation they are a scam either way I am already out {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I changed cable companies after XXXX installed their qqequipment on my neighbors roof and their bill eas XXXX times what had been agreed upon.I signed no contract, but noticed on my next American Express statement XXXX had charged XXXX on XXXX XXXX and XXXX more the very next day.I immediately disputed the charge with American express who also assured me XXXX would not be permitted to charge my Amex account again.They charged XXXX the next month and XXXX the following month.I agai disputed the charges, which Amex had said would n't be permitted to be even added to my account.Amex has sided with XXXX in my dispute .How I ACCRUED 850 DOLLARS IN CABLE FEES IN XXXX MONTHS IS BEYOND ME, BUT American EXPRESS STOPPED ME FROM CANCELLING MY CARD WITH ASSURANCES XXXX COULD N'T ROB ME ANYMORE.Amex decided against me before they even got my letter disputing the charges.I had no contract with XXXX and the flier they sent only had XXXX XXXX early termination fee with contract, which I never signed.American Express allowed an unauthorized transaction they had full fore knowledge of from XXXX XXXX when I made my initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission mission identity theft affidavit. remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. 

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX XXXX XXXX ran my credit twice in a month. The second time I was not asked for permission or notified they were going to run it a second time.

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 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Hi, I would like to dispute a overcharged that SPIRIT_Bank of America ' Credit Card hadcharged me. I consumed {$850.00} and sent check # XXXX on XXXX/XXXX/2015 to pay thisThe Spirit-Bank of America claimed they received it on XXXX/XXXX/2015 and are charging me a late fee {$40.00}. 
I sent my check on time to fully pay my due ; What ever happening in their office or USPS is not part of my responsibility because I received the payment bill on XXXX/XXXX/2015. 
Thus, I could not had sent payment before. 
Please help me in resolved this matter. 
Best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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 began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!

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 2021-03-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXXXXXX XXXX and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score. 

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points. 

Please help me solve this. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account has violated my rights. 
Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXXXXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX  # XXXX Account : XXXX & XXXX XXXX # XXXX Account XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 cause to believe that the information is inaccurate.

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 2020-04-10
Company: Experian Information Solutions Inc.
State: TN
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:
ACCOUNT DOES NOT BELONG TO ME

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 2022-09-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I started a request to transfer all assets in my XXXX IRA account ending XXXX with Ally Invest to XXXX. 
On XX/XX/XXXX, most of assets were transferred except one mutual fund, XXXX, valued {$5600.00}, are still remaining with Ally Invest. Even more surprisingly, that XXXX IRA account has been marked as " CLOSED ''. 
Since then, I called Ally Invest twice on XX/XX/XXXX and XXXX. The representatives said they would file an inquiry but until now, nothing has happened. Those securities of mine are still kept in a " closed '' account in Ally Invest, and I do not have a way to access them.

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 2022-05-06
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: Investigation took more than 30 days

Complaint:
on XXXX I sent dispute letters to XXXX, transunion, and XXXX to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within XXXX Business Days of receipt. and they weren't 1.XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) 2..XXXX XXXX XXXX 3. XXXX 4. XXXX inquiry on XX/XX/XXXX 5.XXXX XXXX  inquiry onXX/XX/XXXX6.XX/XX/XXXX inquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX 9.XX/XX/XXXX inquiry on XX/XX/XXXX 10. XX/XX/XXXXXX/XX/XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX Balance : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All XXXX fed loan accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX Is reporting XXXX late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

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. and also violating law 15 U.S. Code 1681

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 2019-12-04
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello USBank, Today, I'm submitting a complaint to the CFPB Portal to dispute many charges and request a new debit card. Most of these are charges I did not do. Current negative balance is $ XXXX, including overdraft fee ( s ). I've attached my ID, SSN Card, and proof of address. This is going to negatively affect my credit report if my account defaults, and I can't afford that. 

I would like these disputed, and a provisional credit rushed INCLUDING THE OVERDRAFT FEES REVERSED. 

Charge ( s ) w/ Dates Being Disputed : XX/XX/XXXX Overdraft Paid Fee {$36.00} times 4. 
XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Returned Fee {$36.00} times 2 XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX Tn {$400.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX Ga ( {$19.00} ) XX/XX/XXXX International Processing Fee XX/XX/XXXX card XXXX ( {$0.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX ( {$2.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( {$150.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX ( XXXX ) Total Disputed Charges w/ Fees : {$940.00}

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 2022-05-06
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX, XXXX and Experian are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, XXXX OR EXPERIAN TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

Experian - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, 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 non-monetary relief
Consumer complaint received 2020-04-10
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX XXXX$600.00} Opened XX/XX/XXXX 2019

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 2016-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a few past debts. I paid them with the settlement agreement. It was wired from my bank to theirs. They are refusing to give me a paid in full receipt. Stating they have to put a hold on it for up to ten days. I have a family of XXXX. I just gave them almost {$1700.00} to pay them in full. I need this receipt because we 're poor that exhausted most of our funds. We 're trying to get a house loan, they need the paid in full receipt to add to our case, the debt collector is refusing to send me anything. I 've called a few different times requesting this since Wednesday XX/XX/2016, when the funds came out of my account. They 've been rude, said they 'd send me a letter to respond to so they could send me a transaction notice, but I have n't received that either. I need this receipt now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Associates has reported a paid collection to XXXX credit reporting agencies and it is unlawful per Massachusetts General Laws. 

XXXX XXXX : DIVISION OF BANKS AND LOAN AGENCIES XXXX XXXX XXXX : Conduct of the Business of Debt Collectors and Loan Servicers Massachusetts XXXX XXXX XXXX ( XXXX ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of XXXX XXXX XXXX : ( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a consumer in the debt collector 's name. However, a debt collector may, with the express written authorization of the creditor, report to a consumer reporting agency in the creditor 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I placed a {$300.00} deposit payable to Flash Pack, a travel company, for a XXXX trip to XXXX XXXX that should have taken place in XX/XX/XXXX. On XX/XX/XXXX, I paid the remaining balance due of {$2400.00} for a total paid of {$2700.00}. These funds were paid with my Chase Visa Credit Card. Unfortunately due to COVID, the trip was cancelled. Then on XX/XX/XXXX I was informed that Flash Pack had unfortunately gone into administration ( bankruptcy ) and I was told by the Merchant ( Flash Pack ) that in order to get my money back I would need to dispute the charges with my credit card provider, I did so and Chase Visa credited my money back within 24 hours. However, in XX/XX/XXXX I was informed by Chase Visa that XXXX, the company that took over XXXX XXXX, disputed my refund and the charges again appeared due on my account. I have continued the dispute with Chase Visa since XX/XX/XXXX however they informed me as of today ( XX/XX/XXXX ) that Chase Visa is unwilling to refund my money since the charges occurred ' too long ago '. I am asking for this to be reviewed so I can finally be refunded the amount of money that I paid ( {$2700.00} ) for a service that was not provided after having been reassured that my funds would be reimbursed. According to the Fair Credit Billing Act it is my legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I only found out about the bankruptcy on XX/XX/XXXX but Chase Visa is refusing to refund me. I have attached the original T & Cs ( doc attached ) as evidence that I am not protected by any financial failure insurance as this was in place for XXXX / XXXX customers only.

Company response to consumer: Closed with explanation