BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received statements from American Express in XXXX XXXX XXXX indicating that I owed balances on multiple credit card accounts. On XX/XX/2022, I sent letters to the CFO, of American Express, requesting validation that I am responsible for the alleged debt. After not receiving validation as required by 15 USC 1692 ( g ) I sent American Express a notice of fault on XX/XX/2022, again requesting validation that the debt belongs to me. I only received letters, calls, and text messages demanding that I pay these debts or suffer negative reporting to credit reporting agencies. I filed an identity theft report with the Federal Trade Commission on XX/XX/2022. I then discovered that XXXX XXXX XXXX who, without contacting me, filed a civil suit in my county regarding this debt. I have not received any notice from XXXX XXXX XXXX requesting payment of the debt, or even notification of the right to ask for validation of this alleged debt. The only reason I found out about the lawsuit is that I received a letter from another third-party offering consultation regarding the court case. I looked up the court case and sure enough, without prior contact, XXXX XXXX XXXX are suing me for the unvalidated alleged debt. If XXXX XXXX XXXX had reached out to me with a debt collection letter modeling the B-1 form required by 12 CFR part 1006 ( Regulation F ) I would have asked them to validate the debt as is my consumer right. I would also have provided the prior correspondence with American Express regarding the alleged debt. Finally, I would have provided the FTC identity theft report. After reviewing the CFPB complaints database, I can see that many other consumers have been sued by XXXX XXXX XXXX without prior communication. In fact, it appears that XXXX XXXX XXXX have a reputation for instantly suing consumers without first conducting due diligence to validate debts. It appears that they rely on intimidation tactics, which are the very abusive, deceptive, and unfair debt collection practices mentioned by Congress in 15 USC Code 1692. I will be reaching out to XXXX XXXX XXXX to ask them to validate this debt. I will also be reaching out to the Attorney General regarding the consumer harassment by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: TN
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 & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of 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 2022-06-09
Company: EQUIFAX, INC.
State: TN
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 & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a joint account with my Daughter. She goes to XXXX  in XXXX XXXX, and I live and work in XXXX XXXX. There was a Fraudulent ATM withdrawal in Florida on XX/XX/XXXX for {$1000.00}. The account only had around {$240.00} balance at the time of withdrawal. Wells Fargo ATM allowed the transaction because they said the account had overdraft protection. There had never been a legitimate {$1000.00} withdrawal from that account and neither I nor my daughter ever asked for overdraft protection and not sure how it was added. I immediately contacted Wells Fargo and reported it as fraud and filed a claim. They said they'll investigate it and on XX/XX/XXXX responded that they denied the claim and said I must have provided my account info to someone else to withdraw on my behalf. That is a lie. This was a fraudulent transaction that Wells Fargo allowed and they need to accept responsibility for it.

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 2022-07-29
Company: Atlanticus Services Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ON XX/XX/XXXX I PAID OFF MY ASPIRE ACCOUNT IN THE AMOUNT OF XXXX. I ACCIDENTALLY PAID IT OF TWICE. IN TWO PAYMENTS IF XXXX Totalling XXXX. 
I contacted Aspire on XX/XX/XXXX via text chat. I texted with XXXX. He said " I will have a refund request forwarded to the appropriate department. Please allow 7 business days for internal processing and an additional 10 business days for you to receive the refund check. 
Then on XX/XX/XXXX Aspire closed my account out of the blue, saying because of " inactivity on my card ''. 
This made my credit score drop XXXX points! I have had XXXX XXXX on time payments. 
Then on XX/XX/XXXX they said I was issued a refund. 
They didn't send a direct payment to my bank account. I called the on XX/XX/XXXX to see when I could expect a payment, if they sent it to my bank account. 
I talked to XXXX. Then he told me no, it wouldn't be going directly to my bank account, that I would have to wait another 7-10 business days for them to process a check, then wait another 7-10 business day to receive my check in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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/2022 my daughter was offered a Kohl 's charge card with a discount for opening the card. Her charges were put on my card instead of hers. When I discovered this on XXXX, I was told by Kohl 's oh well at least you know her and they hung up. I tried calling again on XX/XX/2022 only to be told the couldn't help and they hung up. On XX/XX/2022 I went to the store and was told that they couldn't help me I would have to call. I tried calling as soon as I left the store only to be told there was nothing they could do. Called a fourth time and someone looked into it further, but again could do nothing. 

My daughter opened her own card for the discounts. I did not authorize the two charges on my account from XX/XX/2022, in the following amounts, {$17.00} and {$160.00}. My request was they can see that she placed the order, so I want them moved from my account to hers. They can clearly see this, but won't do anything about it. They are allowing and unauthorized signer to use my account. 

They are also misrepresenting the offer made to my daughter, but not giving her the discount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: AVANTE
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 information incorrect

Complaint:
I recently Reviewed my credit history Through XXXXXXXX XXXX and received a 30 day review about a new account please make immediate changes to fraud new charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 got a notification on XX/XX/2022 from my XXXX  XXXX XXXX XXXX alert that there was a new inquiry on my transition credit report " hard inquiry '' that i did not recognize. I checked my transition report on XXXX XXXX and there was an inquiry from a place called XXXX XXXX with ( miscellaneous ) after it. I do not know who/what this company is and i did not authorize anyone to pull a hard pull of my credit. I called transition and said that they have seen this from the company before and that there only number is an automated response. I was advised to file a report with the FTC and do send it to transition.

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 2022-07-04
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
FRAUD BY ALLY BANK EMPLOYEE ; funds embezzled Set up external bank XXXX XXXX transfer at ALLY bank website between my ALLY online saving and linked XXXX XXXX BANK saving account. Submitted EFT ACH transfer on ally bank website from my XXXX XXXX bank account to ALLY BANK online savings account for {$98000.00}. XXXX XXXX bank received this request and honored it, sending the funds to APPLY BANK and provided monthly statement showing valid transaction, which is uploaded. ALLY is claiming they never received funds even though XXXX XXXX bank statement showing withdrawal provided to them. Clearly ALLY BANK employee has embezzled the funds. I request CFPB to file complaint and investigate

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 2022-07-29
Company: Bread Financial Holdings, Inc.
State: SC
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:
XXXX XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting two different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Capital One Bank USA are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX  Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: Lendmark Financial Services
State: AZ
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:
Sent a request on XX/XX/2022 to provide a binding contract with two signatures from me, XXXX XXXX and LENDMARK, but LENDMARK refuse to provide. Requested that LENDMARK be removed from my credit reports due to fraudulent acts of accessing my report without consent, LENDMARK refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2022-06-09
Company: Security Credit Services, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Security Credit Services is a debt collector that bought my account from XXXX XXXX This account was opened XX/XX/XXXX and is being reported by security credit services as being opened XX/XX/XXXX. Its being falsely reported and the date is more than 6 years of a difference. I called the original card company and they told me when the account was opened but could not provide me with an email or letter stating this. I called security credit services and they asked me for my income, what bills I pay a month and other personal information and stated they no longer have this account. They told me it was sold to another debt collector but security credit services is still reporting it. How is this fair and legal? They are negligently ripping off consumers and falsely reporting arrogant dates to credit reporting agencies. I am a victim of fraud and they are parking this debt on my credit report unfairly!!!! Please help me figure this out. 
I also have XXXXXXXX XXXX XXXX on my credit report. It was also opened over 7 years ago. They also are changing the opened date to false dates. Saying the account is nearly 7 years newer than it actually is. Please help me!!

Company response to consumer: Closed with explanation