BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: MS
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, American Express has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681c-2 : Block of information resulting identity theft.

15 USC 1681n : Civil liability for willful noncompliance.

15 USC 1681o : Civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This inquire on my credit is a violation of my consumer credit rights & I would like for this to be removed as soon as possible!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THEY XXXX XXXX XXXX  REPEATEDLY CALLED ME BACK TO BACK SEVERAL TIMES DAY AND THEY SEND OUT EMAILS AS WELL. NO MESSAGES ARE LEFT

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 2022-11-03
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023 I sent an affidavit of truth in regards to a billing error for my American Express Account ending in XXXX. ( Attached ). According to the courier ( USPS ) the communication was confirmed delivered on XX/XX/2023. ( Attached ). A response within 7 days of receipt, was not required, if there was no authenticated records in existence. To date, no records have been delivered confirming the existence of an authenticated record of accounting, billing or debt. 
On XX/XX/2023 I received a communication from American Express ( hereafter AMEX ), dated XX/XX/2023. This communication outlined several false statements and actions the company intends to take if I did not " respond '' in time. The communication states, " Since your account ( s ) is past due and we haven't been able to reach you by phone, your account ( s ) will be cancelled if you don't act soon. '' The communication further outlines threats and actions were outlined, which included : " 1. Your account ( s ) may be cancelled. 2. You may lose any rewards you have pending with American Express, if applicable. 3. If your consumer account is reported to credit reporting agencies, your account will be reported as past due if we don't receive the total amount due for two or more consecutive billing periods. 
On XX/XX/2023 A copy of my credit reports ( XXXX report and XXXX Report attached ) show American Express already took fraudulent and unlawful negative action against my account reporting debt delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I want to link my credit card to my bank account, for reward purposes and capital one prompts that I can not use this with an outside application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: I.C. System, 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:
There are several accounts that appears on my credit report that does not belong to me. Obviously someone has my information and have created these accounts.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-06-19
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to formally dispute and express my dissatisfaction with a collection account that has been placed on my credit report XX/XX/2023 by : I C SYSTEMS Collection agency. I recently discovered the presence of this account on my credit report, and I believe there has been an error or misunderstanding leading to its inclusion. I called original creditor they said call the collection company but didn't get anywhere. I request an immediate investigation into this matter and the removal of the collection account from 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 2023-06-19
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had lost my debit card and I never updated with my security system. The XXXX of truist bank in XXXX XXXX updated my information with the security system. I have tried to press fraud charges with the bank but they will not do that. So far my lose is over ninety dallors. I don't understand why this XXXX watches my account. And my money in my account has been messed with for the past XXXX years. I went to the bank and talk with her she said that people change their debit card because they don't want to pay their bill. The male XXXX told me that the company can use the old debit card number to receive money I don't know who she talked to at my security system. I see on my statement that it's listed as a recurring layo that is not true

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 2023-06-19
Company: Experian Information Solutions Inc.
State: NV
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:
Good afternoon, Experian, XXXX and XXXX. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

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 2023-06-19
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an account with Honda Financial Services. During my time with Honda I have been enrolled in XXXX XXXX. On three occasions I failed to transfer funds to my checking account the payments were coming from. The payments were late by a couple days - once I realized the issue I transferred the funds to the account and ensured payment. Yes, I can do better, but I have a lot on my plate. After the last time this happened I tried to make a payment via the Honda payment portal but I was unable to do so. I then called Honda and I was unable to use the automatic payment system. Once I talked to a rep she informed me that I was locked out of the system because of three reverse payments and that I would need to call and make a payment directly with a rep for the next 12-months before I am able to setup automatic payments, pay online or use the automatic phone payment system. Honda never made me aware of this policy. It is drastic, unfair, and definitely a policy that does not reflect a concern for their customers. When I asked to speak to a supervisor the phone rep told me that my request was denied because I could not talk to a supervisor about a policy. I have never experienced this with a financial institution. If a policy is as drastic as this one, Honda should let their customers know upfront or at least provide a warning. No warning, no transparency. It is unfair and adds an undo burden on customers and only makes it more difficult to make payments on-time. In addition, there is a fee when using a debt or credit card. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
There are multiple Charges From Online Suppliers by the name XXXX XXXXXXXX XXXXXXXXl I have called the owner of company and as the trans action was denied the company repetitively charged card for a total {$110.00} For the Past three months XXXX XXXX I asked to be reinstated due to stolen card and fraudulent charges and they transferred me to another country and they denied me over the phone which is completely unfair and violation of my consumer rights

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: IN
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:
Subject : Urgent Request to Rectify Violations of the Fair Credit Reporting Act Dear Sir/Ma, I hope this email finds you well. I am writing to bring your immediate attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ). I believe that your current actions are in direct violation of several sections of the FCRA, as outlined below : Violation of 15 U.S.C 1681 section 602 A : The FCRA guarantees my right to privacy, and it is evident that your recent actions have infringed upon this right.

Violation of 5 U.S.C 1681 Section 604 A Section 2 : The FCRA clearly states that a consumer reporting agency must not furnish an account without my explicit written instruction. It has come to my attention that this provision has been disregarded.

Violation of 15 U.S.C 1666B : The FCRA specifies that a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have evidence indicating that you have incorrectly categorized a payment as late.

Given the gravity of these violations, I hereby request your immediate attention and action to rectify this situation. I insist that you promptly remove the late payment and any associated negative reports from my account. Furthermore, I kindly request that you update my account in accordance with the provisions set forth in the FCRA.

I trust that you understand the urgency and importance of addressing this matter without delay. Failure to comply with the FCRA may result in legal consequences, and I would prefer to resolve this matter amicably and swiftly.

I appreciate your prompt attention to this issue and expect a written response from you confirming the necessary actions taken to remedy the violations mentioned above. I look forward to a favorable resolution and a restored credit profile that reflects my accurate financial standing.

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Global Lending Services LLC
State: CT
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:
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: FISERV INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Fiserv is trying to charge me a fee for a service we did not use.

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 2023-06-20
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see an item on my credit report showing up a I C Systems. I dont know who or what that is. Then when I look deeper I see XXXX XXXX XXXX. Again I dont know who this is. The credit bureau claims to have verified the information on my credit report. I dont understand or see how. This is not my debt.

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 2023-06-20
Company: J J Marshall & Associates, Inc
State: OH
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:
In XXXX my identity was stolen and used for various unknown purchases on multiple accounts. I disputed the charges and all were deemed fraudulent and removed from my credit history, with one exception. 
JJ Marshall associates claim that I owe {$490.00} for unknown charges. They were notified of the fraud and they informed me that I should file a dispute with a credit agency to have it removed. I did as they requested and moved on with my life as usual. In XXXX I started going over my credit report with the anticipation that I may be applying for a loan at some point when I discovered that the charges were never removed from my Credit history and they were still in collections. I decided to once again dispute the charges and the people at XXXX recommended that I submit a complaint to the CFPB in order to help resolve the issue. Note that the original creditor was XXXX XXXX XXXX, a company that I have never had any history with.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Auto Trakk, LLC
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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist purchased my mortgage from XXXX back in XXXX of XXXX. During the XXXX of XXXX, Truist failed to properly handle payment withdrawls, losing data in their portal, and reprocessing payments multiple times. As a result, my checking account overdrafted multiple times. Worse, Truist returned multiple payments and reprocessed another without my knowledge. Last, Truist processed transactions via wire transfer, incurring irreversible fees.

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 2022-11-03
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
PLEASE NOTE THIS IS NOT DUPLICATE COMPLAINT AND I HAVE EXPLAINED WHY, THANKS Someone named XXXX called me in response to me previous complaint and assured me that everything looked good with my application and they have everything they needed to establish my identity. I thought finally that's a relief but of course nothing is as simple as that at Barclays and the things are back to square one as described below. MY APPLICATION IS STILL STUCK and I dont have any way to reach back to XXXX XXXX the number she called me from doesn't work and one of the Barclays own agents told me why not you file a CFPB complaint again. That's how bad and arrogant they are. I have asked multiple people to put me back in touch with XXXX or XXXX but they refuse to do that. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I had a decent conversation with XXXX on Monday who assured me that that if I fax or mail in my social security card, XXXX passport, and residential proof, I will be all set. I requested her and she did put detailed notes in the application. XXXX also reached out in response to an internal escalation on Tuesday saying I should be good to go. 
XXXX also reached out on Tuesday in response to my previous CFPB complaint saying that she would keep an eye on the application. 

I got 2 missed calls from Barclays this morning. I was hoping that this would be some good news but got the same non sense. 

Called the number they asked me to and same transfers again. Got this agent called XXXX. Without even looking at anything, he starts repeating the same non sense saying they need blah, blah, etc. When I asked him to read up on the notes, then he came up with some other non sense that the documents are not clear, I need to mail them the documents. When I asked him, which document out of the 3 was not clear, no answer. Kept repeating with lot of attitude that I need to mail in everything. 

Asked for a supervisor and got XXXX, who said the documents are readable and are legible. So of course that XXXX was lying. But then XXXX started telling me everyone else including XXXX, XXXX, XXXX is wrong. She is now starting from scratch and asking me for different ID documents. When I asked her about how come I have a current Barclays bank account and had Barclays cards in the past with the same ID documents, no answer. When I asked her about XXXX 's lies that the documents are not legible and I need to mail in, again no answer. This is like dealing with a bunch of arrogant non sensical people who keep making up their own XXXX rules/policies out of thin air. 

I am really fed up with this circus. Every one makes up their own rules, lies about documents not being legible, gives attitude, transfers you around.

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