BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the auto loan account that has been charged off and sent to collections, which is currently being reported on my consumer reports by your company. I believe that your company has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in regards to this account, and I request that you delete it from my consumer reports immediately. 
Firstly, I believe that your company has violated FCRA Section 623 ( 5 ) ( A ), which requires that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have not received any notification from your company regarding the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency, which is required by law. 
Secondly, I believe that your company has violated 15 USC 1681 ( a ) ( 2 ) ( B ) of the FCRA, which excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the definition of a consumer report. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition includes my social security card, drivers license/ID, and license plate which are/were used for the extension of credit. Therefore, your company 's reporting of this auto loan account is a violation of the FCRA. 
Lastly, I believe that your company has violated the GLBA by failing to provide me with proper notice and an opportunity to opt-out of the disclosure of my nonpublic personal information to nonaffiliated third parties. 
Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a savings account with American Express with {$900.00} in there. They closed my account and refuse to return my funds. I have tried calling, I did their live verification. They are saying that the bank that I transferred from has to recall the funds. XXXX XXXX has tried that and they still refuse to send the funds. I even tried to dispute and they are fighting that as well. I know {$900.00} isn't a lot to many people, but as a single mother of XXXX, it is equivalent to a XXXX dollars for our family. I'm not sure what else to do at this point. They are just stealing my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my account was closed and funds were debited but not under XXXX guidelines Ownership of funds policy STATES THE PRIMARY CARD HOLDER IS THE SOUL OWNER OF ANY AND ALL FUNDS DEPOSITED. After my investigation my account was deemed NONE FRAUDULENT and closed out with no reason only that PNC does not want to do business with me .... FAST FORWARD THE FUNDS ARE GONE, they have been sent back to the originator but not under federal guidelines a ach reversal can only be done within 5 days and under r17 can be returned up to 60 days it had been 3 years and I had no wrong doing. The Funds are gone and no one knows where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX - Applied for Amex Platinum Card with a XXXX point welcome offer ( subject to minimum spend requirements ) XXXX/XXXX/XXXX  - Approved for Amex Platinum Card XX/XX/XXXX - Met minimum spend requirements, however only received XXXX points, XXXX/XXXX/XXXX - Called agent and was asked to submit proof of original offer to agent 's email XXXX/XXXX/XXXXXXXX - Followed up with agent via email ( having received no response ) XX/XX/XXXX - Called again and was told that it was being investigated, however have received no follow up Current status - Still have yet to receive any follow up, and still am missing XXXX points. Have called Amex several times since and have been told that the issue is still 'being investigated ', however this process has been going on for six months with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a Savings Certificate from XXXXXXXX XXXX, dated XX/XX/XXXX, worth {$5000.00} on maturity date of XX/XX/XXXX. I've been saving it for retirement. XXXXXXXX XXXX merged with XXXX and then Wells Fargo. 

Wells Fargo says they have no record of it. I have record of it! Wells Fargo has assigned a few Case Managers to help. When I hear nothing from them and call them, I am assigned a new Case Manager. I have been going in circles.

I have been in contact with the following : Wells Fargo in XXXX, MN, XXXX XXXX, SD, XXXX, NC, and XXXX XXXX. Office of MN Attorney General XXXX XXXX ( They encouraged me to contact you ), and Unclaimed Property,

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 2023-03-20
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX systems has repeatedly called and harassed me about a {$70.00} dollar collection. Claiming that since XXXX hasnt removed it from their report ( all other credit bureaus have ) that they are entitled and I better pay. That I can not escape being irresponsible and saying obscene things. 

XXXX as well said they will NOT take that into consideration and made their dispute decision based on information given by XXXX. This in turn made their calls ramp up from XXXX, day and night constantly harassing me. I couldnt even attend a funeral without their calls popping up on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX a payment of {$190.00} was made to BJs Comenity account # XXXX from my XXXX bill pay/checking account. 

XX/XX/XXXX my BJs card was declined I called Comenity ( XXXX ) and was told they didnt receive the XXXX payment. I immediately authorized a payment of {$260.00} from my XXXX account. 

I checked my account with BJs and realized the XXXX payments were not credited to my account. I closed the account and filed a fraud complaint. 

XX/XX/XXXX a payment of {$250.00} was made from my XXXX account to BJs Comenity XX/XX/XXXX the XX/XX/XXXX payment was not credited to my Comenity account this error was added to my complaint. 

I received three letters stating that they were investigating my complaint. 

XX/XX/XXXX I met with the vice president of my local XXXX and asked for help. She called Comenity and they hung up on her. She wrote a letter to Comenity stating that the three amounts I was disputing were paid. 

XX/XX/XXXX Comenity wrote requesting a copy of my banking details from 30 days after the payments processed and a letter from my bank XX/XX/XXXX XXXX XXXX wrote another letter with my banking details. 

XX/XX/XXXX Comenity sent a letter that stating : On XX/XX/XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XXXX XXXX I received correspondence from Comenity stating : On XXXX XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit card account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XX/XX/XXXX I received this correspondence from Comenity stating : Thank you for contacting Comenity Capital Bank. As the bank that issues your BJS WHOLESALE MASTERCARD credit card account. After reviewing our records, we can confirm receipt of the following payment {$240.00} on XX/XX/XXXX. We credited this payment to your account. Your current balance is {$0.00}. 

XX/XX/XXXX I called Comenity and was told BJs accounts were now handled by XXXX XXXX. I called XXXX XXXX and was told this dispute was the responsibility of Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX my wife paid her massage therapist {$95.00} from her XXXX in the amount of {$95.00}. The card was ran through square pay. Well square pay double billed us and so two charges of {$95.00} dollars appeared causing our XXXX account to go - {$4.00}. So we waited for it to clear. Well on XX/XX/XXXX we checked our XXXX and had an available balance of {$90.00}. Well when we went to us it to pay our chiropractic bill in the amount of {$80.00} our XXXX card was declined. Called the XXXX rep, and they told us that they square pay still has a hold on the account and our funds wouldn't be useable until XX/XX/XXXX despite XXXX portal saying we have money. Square pay shouldn't be allowed to double bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I keep received email from Chime Outreach, saying they need verification, on where I get funds to win at the casino from, my checks go direct deposit, every two weeks, they can see that, but they want to close my account, because I won some money at the casino,. This is so frustrating, I sent them everything that they ask for. I even sent my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My son received a {$20.00} visa gift card from his friend for his birthday. When I went to use it, they said there was only {$3.00} available. I opened the card in the store so it had not been previously used. The card number on the front was partially scratched out. I called the vanillagift  customer servicenumber. They started a case but said they can not open a case without me sending them a copy of an ID and my birthdate. That is a violation of my privacy. It seemed like a scam. I only wanted a replacement gift card in the amount of {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I don't remember when I first called asking for a credit card bc I never received mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But I knew it had annual fee, however, I was told once I got a working card they would remove interest. So I called to ask politely. He talked to the supervisor & decided to close my account due to no activity. I JUST GOT MY CARD. I want to review this company. The first guy said it didn't matter if I had a card. As soon as you qualify they charge you interest, I said that's illegal. I think they aren't doing things on the up & up bc I wanted to pay annual fee. Now on top of all that. The card I finally got has the last 4 digits as the card I never got. So someone else might have my stuff. I've already had to get new bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I feel like my letters are being ignored so I want to seek help from CFPB and Atty General about this issue because I have been contacting your company about my credit issues. I'm gon na search for other options because I know you have violated of FCRA law for not responding on 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 2023-08-02
Company: Paramount GR Holdings, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company attempting to take a loan against my rental property to pay for solar panels. I did not contact the company for any type of work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: ME
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 a natural man who has been victimized not only by the 3 major credit reporting agencies XXXX XXXX, XXXX, and Equifax through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX Equifax data breach. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only one response from XXXX XXXX which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply depressed and XXXX  dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the XXXX, as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all 3 CRA 's on XX/XX/XXXX, and received a reply from only XXXX XXXX on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. That's completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: OK
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:
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-03-20
Company: DISCOVER BANK
State: WV
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:
Account was in bad terms and i set up payment arrangements to come up to date on payments. The payments were made on time but account was still closed without any notice. The dates on all three credit bureaus are showing different account dates and reporting inaccurate.i disputed through XXXX XXXX and XXXX and no change was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: OK
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:
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I tried to resolve the dispute in the amount {$4000.00} with the Capital One credit card dispute department. 
This amount was charged for my truck repair but the repair wasnt done, even worse the truck was damaged and I suffered enormous financial loss after the repair attempt. The merchant is XXXX XXXX XXXX of XXXX ( XXXX ). They damaged my ruck and had to tow it to another repair facility. I tried to resolve the issue with the met first but the merchant refused the refund. I sent all documents necessary to Capital One for this dispute, but Capital One frivolously closed my case 4 times and left this charge on my account. Im not supposed to pay for that charge. I sent the second opinion from another repair facility, sent my original notarized affidavit to Capital One that I personally saw what caused the damage and other documents. Capital one stuff just keep closing my case and every time ask for additional document which I keep providing. XXXX XXXX : XXXX. 
Please help me get this off my statement, if any additional info needed Im happy to provide it. 
Thank you

Company response to consumer: Closed with monetary relief