BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( American express and XXXX XXXX ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( American express and XXXX XXXX  ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( American express and XXXX XXXX  ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( American Express and XXXX XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message from XXXX. Claiming to be Halsted Financial Services , LLC in regards to XXXX XXXX XXXX account. I have never had a XXXX XXXX XXXX account or any business dealing with that company. I have never received any bills from Fifth third bank. When I open the link, it is asking me verify my personal information as social last 4 numbers of my social security and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX, XXXX 2022 for the amount of {$120.00} was in my cashapp account and was sent to a XXXX XXXX not by me, I was in XXXX fl without any service on my phone, and someone from a different phone and location sent my {$120.00} to that person, I have tried to call cashapp customer service number and its not working and on the cash app support chat system all I get is they need a good email address to contact me, I have gave it several times and no one has contacted me, they will not give me the ip address that the transaction was made by, I have had the chief of police and my lawyer contact them but they still won't give the ip address and they will not refund my money, I'm 7 months pregnant and I have a XXXX XXXX XXXXr old daughter that is now in the hospital due to her XXXX being too low and I had my money took away and I couldn't get her any food nor can I pay my light bill, I really need my money refunded back to me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: KY
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:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Westlake Services, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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: Information belongs to someone else

Complaint:
Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and this contract they sent over does not have my address or signature on file. The contract also shows XXXX payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( XXXX ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( XXXX ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially XXXX that 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 non-monetary relief
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have for a year been trying to have Transunion stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that an account ( XXXX XXXX Acct # XXXX ) could not possibly be mine. At the time of the opening ( 2016 ) of this account I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that this account is inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX  has stopped reporting this inaccurate account. I have showed Transunion proof of this on my last dispute and still concluded that they will not be deleting this account.

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 2022-02-26
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Called to close the account on XX/XX/2022 the next day at XX/XX/2022 I received a call XXXX from a FORTIVA representative from XXXX. I have records they called earlier at XXXX and XXXX and I declined both calls. I, finally answered at XXXX and the representative asked to re-open my account with a special offer. I said I'm not interested, and I hung up the call. Then hours later get and emailed the account was reopened. When I called XX/XX/2022 to have the account closed. Fortiva refused to close the account because now they claim it has to be closed to the Fraud department. No unauthorized charges have been made. The only issue is they're Sales Retention team opened the account without my authorization and now they are demanding to supply personal documentation to close the account again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
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. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX  XXXX Balance : {$35.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$47.00} XXXX XXXX Balance : {$70.00XXXX XXXX XXXX Balance : {$70.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$300.00} 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 2020-03-03
Company: CHECKredi of Kentucky, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/20 I attempted to Call CheckRedi about an Unpaid Returned Transaction on my email. The company asked for identity verification after I gave information the associate was rude so I hung up and called back the same day about 10 minutes later. When I got to the Identity verification process again the associates told me that the address on the file did not match. However, I gave the same information as the previous call which means that an associate gave out my information using the wrong identity verification. 

Additionally, the company is attempting to collect a debt that I am not authorizing since it was wrongfully applied to my account. 

I had previously logged into the zipline website to change the account information. After changing the account information I was contacted saying that the previous, bank account was still linked despite my changing the account. The error is causing a collection item. The original charge should be {$22.00}, however, they are implying that I owe a {$20.00} balance on a collection that I did not authorize nor should be due to pay considering that I changed the back information to the correct information on the zipline website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2020, I attempted to transfer funds via ACH from my Bank of America online account to my account at XXXX ( XXXX XXXX ) but was unable because XXXX XXXX XXXX routing number ( XXXX ) was not in Bank of America 's routing number directory ( XXXX XXXX XXXX routing number is displayed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). I was informed by a customer service representative of Bank of America that XXXX XXXX XXXX routing number could not be added to the Bank of America directory even though XXXX XXXX XXXX routing number is on the Federal Reserve Bank 's   directory ( XXXX XXXX XXXX ). I am filing a complaint because I am unable to transfer funds from Bank of America to XXXX ( XXXX XXXX ) until the routing number is properly added to Bank of America 's directory.

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 2015-11-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife, XXXX XXXX XXXX, has mortgaged our home to " Chase ''. Property address : XXXX XXXX XXXX, XXXX, Mi XXXX. Chase Loan No. ending in " XXXX '' .Our regular monthly mortgage payment amount is {$410.00}. On or about XXXX XXXX we made the arrangement to have that amount drawn from our " My Personal Credit Union '' checking account, and that arrangement was confirmed with " Chase ''. On or about XXXX XXXX a " Chase '' letter dated XXXX XXXX, 2015 was received by us stating among other things that due to a credit of {$170.00} against our account our payment for the month of XXXX would be {$240.00} ( the basis for the credit was not disclosed ). We thereafter made arrangements with " Chase '' to have that amount withdrawn from our account for the XXXX payment as that letter stated. Thereafter, a letter was received dated XXXX XXXX and another dated XXXX XXXX from " Chase '' stated a payment of {$410.00} would be withdrawn from our bank account for the XXXX payment. We immediately called " Chase '' -spoke to a representative and confirmed the payment of {$240.00} ( confirmation # XXXX. ) We now as of XXXX XXXX XXXX have received credit call from " Chase '' demanding $ XXXXXXXX/and no explanation of the " credit '' disclosed in the verified " Chase '' letter of XXXX. XXXX phone calls to " Chase '' since the XXXX XXXX " draw date '' have accomplished no settlement ; but a repeat of the demand for the Regular monthly payment. We surmise that the " credit '' was a return of Attorney fees assessed against our account for foreclosure actions taken by a law firm in XX/XX/XXXX/XX/XX/XXXX 2015. Undoubtedly Credit Agencies have been informed of a missed monthly mortgage payment for XXXX 2015 with the negative effects thereon. We believe " Chase '' has violated the Fair Debt Collection Act. We want our account audited with a Report issued thereafter and all credits due placed on our mortgage account, credit accounts and payment of any applicable penalties assessed against " Chase '' and in our favor. We have tried to resolve the matters with " Chase '' by phone and have accomplished nothing another than repeats of demands for late payments to be made. Thank you for working your way through the details of this administrative nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Chase Bank has a card called XXXX I applied and got the temp, card someone in Texas tried to send me money on it then Chase cancelled my card and said I could n't do any business with them any more. No reason for it at all this showed me the thing is a fraud and need 's to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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: Account status incorrect

Complaint:
I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed. 

I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Spring Oaks Capital, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received another attempt from Spring Oaks Capital , LLC, a debt collector who has previously received a letter of dispute for their debt from XXXX XXXX deputing the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Sale of account

Complaint:
To Whom It May Concern : I am writing to file a complaint against CHASE because of their predatory lending practices reporting negative item for last 9 years and selling my social security # and date of birth to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX XXXX I received a copy of my credit report. My credit report is stating that I have XXXX separate accounts, with collection balances, each with a different account number and a different amount owed to Portfolio Recovery. The account numbers and balances owed are as follows : Acct # XXXX for {$630.00}, Acct # XXXX for {$500.00}, Acct # XXXX for {$450.00}, and Acct # XXXX for {$740.00}. All XXXX accounts appear to be opened on or about early XXXX. I have never had an account with Portfolio Recovery nor do I owe monies to Portfolio Recovery. I have sent XXXX separate letters, over a 49 day period, asking for validation of said debts. I have not gotten a single response, for the alleged debts, from Portfolio Recovery. My credit report was marked " disputed by consumer '' but I did not receive any information from the collection agency. I am not aware of any debts incurred with Portfolio Recovery. I was separated from my estranged husband in XXXX and divorced in XXXX and I do n't know if these alleged accounts were obtained under false pretense.

Company response to consumer: Closed with explanation