BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 not applied for no capital one anything, these are fraudulent inquries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hi, Since the COVID-19 issues, I've solved all financial issues with financial companies except American express credit card! 
They don't offer any differing payments. 
My bill shows the balance of '' {$19000.00} and due date is XX/XX/XXXX '' So on XX/XX/XXXX after a long time conversation to American express supervisor of Financial relief program names " XXXX with the employee # XXXX '' pushed me to enrolling auto pay from my checking account to lowering my interest percentage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not resolved my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex Consumer ID : XXXX. I also filed a police report regarding this fraudulent bank account the incident number is:XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.

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 2020-09-09
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Friday XX/XX/2020 I called Asset Care to dispute a debt because it appears as though there was a mistake made by the original creditor and it is currently being collected on by two different collection companies. The second collection company advised that I dispute both accounts so that both of the companies and I are able to get all of the information regarding the services so that I can get everything straightened out. On Tuesday XX/XX/2020 at XXXX XXXX Pacific Time, XXXX from Asset Care called me, early in the call I advised her that my account should be in dispute due to the situation. She advised me that the account had been disputed but she wanted to check on it. She then advised me that the account is due to start showing on my credit so it is her goal to get it taken care of. This is unfair to me for two reasons, 1. I don't know which company has the correct account and 2. I should not be receiving phone calls to collect on a debt that is dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have attempted to contact Chase via phone, email, and the XXXX to request that they refund monthly fees on the account that they have not allowed me to access in nearly 6 months, and to have them close the account and send me a check for the remaining balance on the account after refunding the fees associated. To date, Chase bank did not answer my XXXX requests and has not closed the account as requested, continuing to allow monthly fees to be charged to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have notified Experian that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Experian have not removed these accounts and inquiries within the last 16 months from my credit file. The Bankruptcy information that is reporting on my credit file - XXXX ... is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian refuses to dipute wrong negative information on my 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 2016-06-21
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have at the bottom a copy of the police report of the incident that took place that I was instructed to do from a PAYPAL associate to remedy the issue that was going on. I also have pasted a copy of the email from XXXX who was also a victim and states that we both know we were not the unlawful parties. As well I have emails from the wrong doer I can provide. I also have XXXX witnesses, XXXX XXXX who was not only there with me the morning it happened, he witnessed the whole thing, including how I called you guys to alert you of suspicious activity on my account. I told you then and I told you before then I was an am a victim of mass identity theft and robbery so handling this asap was beneficial to us both. I also have my manager XXXX XXXX as a witness that when you closed my paypal accounts down without reason or cause after I provided you with police report you asked for, you not only caused me XXXX and money and aggravation, but years of putting together entertainment projects with my manager XXXX XXXX and my lawyer XXXX XXXX for us to profit from, were halted due to the fact 90 % of the marketing and other companies we were using to get these projects going were linked through my paypal account that you closed. Also note that all these companies that we were using will be notified as well as other companies that only use paypal as a means of money transfer, of paypal unlawful doings. Also, you contacted my manager, who you were not working with, or did you have ever any contact with and told him that I owed paypal money, which is highly illegal and incorrect. 

I have reached you many times to resolve this at no anwwer back. I will remind of the issue as further documented proof but in no way am I looking for a negatation. You had plenty time and I lost plenty of money and time and such, I will expect a phone cal in next few days from paypa reinstating my paypal account and a check for {$1000.00} or {$1000.00} in prepaid cards, mailed following for damages. 

INCIDENT : In XXXX 2014 a saw an add on XXXX for someone looking for help marketing. I contacted this person and they informed me of what they needed and that was someone who is a good writer to write good marketing ads and post them for electronics company he worked for. So I did. I did several days worth, and he let me know to stop, I had done a good enough job they had sold a good amount of volume and that he would be paying me in next few days. A few days went by I heard nothing. After a week he contacted me and asked me if I had a paypal debit card that he would have to pay me that way. I said I did and provided him the number of the debit card, I did not give him access to my paypal account or passwords, just debit card number for him to pay me. He said he would text me when he sent the {$120.00} he owed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location. 
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( EXPERIAN, EQUIFAX, and TRANSUNION was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on 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 2021-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA CORPORATION . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by BANK OF AMERICA XXXXORPORATION on XX/XX/2021 via XXXX mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA CORPORATION adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ), BANK OF AMERICA CORPORATION is now civilly liable to pay me for the damages.

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 2017-02-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Court of Common Pleas or XXXX improperly placed this item on my credit report as this was included in my bankruptcy and I should not be held liable.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND ONE HARD INQUIRY ON XX/XX/XXXX. I HAVE CALLED XXXX XXXX ON XX/XX/22 AND THEY SAID THAT THIS " BAD '' INQUIRY WILL BE DELETED AND REPORTED ACCORDINGLY TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX FRAUDULENT CREDIT CARD APPLICATION AND 3 HARD INQUIRIES. I HAVE CALLED XXXX ON XX/XX/22 AND THEY SAID THAT THE FRAUD HARD INQUIRIES WILL BE CONVERTED TO SOFT INQUIRIES ( not deleted ) AND THEY WILL REPORT TO ALL 3 CRAs WITHIN 90 DAYS AND INFORM ME. I REQUESTED FULL DELETION BUT THE REP DID INSISTED ON CONVERSION TO SOFT AND NOT DELETION. 

I HAVE FROZEN MY CREDIT, AND REPORTED THE THEFT TO THE LOCAL CITY POLICE, AS WELL AS REGISTERED ON IDENTITYTHEFT.GOV. IN ADDITION, I HAVE ADDED FRAUD ALERTS WITH ALL 3 CRAs and MOST CREDIT CARDS, AND BANK ACCOUNTS. I HAVE YET TO FILE A " VICTIM REPORT '' WITH ALL 3 CRAs. 

I WILL ALSO REPORT THIS THEFT TO THE IRS, AND SSA.

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 2022-07-25
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am writing you because I leased my car with US Bank on XXXX. The price of the car when I leased it at the dealership was {$52000.00}. Unfortunately, I was hit by another vehicle on XX/XX/22 and my car is totaled. 
My car insurance informed me they would award me {$62000.00} for the claim. I contacted US Bank on XXXX XX/XX/XXXX and asked them how much it was to buy the car and they said {$44000.00}. The loss department sent my insurance a letter of guarantee saying they will require the entire amount that my insurance is providing which is {$62000.00}. I found that very odd since the price of the car when I bought it was less and I have made 17 payments of {$790.00} which comes to a total of {$13000.00}. 
When I called the loss department, conveniently enough, they don't speak to the customer but only directly to the insurance. I realized that is just so that the company can ask for the entire amount of the money being provided by the insurance. I asked my insurance to request a break down of how they got to the number and they said they don't provide that information either. VERY CONVENIENT AGAIN! 
I made my insurance stop the payment because this is outrageous. A lawyer recommended I buy the car for the {$44000.00} and then the insurance would have to send me the check directly to me. However, when I called the company they said that they don't own the car even though I have explained to them that they do since the payment was stopped and that I want to buy it. So, what they did is transfer me all day and then they say I must speak with the loss department, but the loss department won't talk to me, only to my insurance. 
This car leasing company is pocketing {$18000.00} from my insurance claim that does't belong to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pursuant to Title 31 U.S.C 3729-3733 of the False Claims Act ( FCA ) LVNV Funding LLC is attempting to collect a debt which is not owed by I XXXX XXXX the consumer. I have no prior relationship or contractual association with LVNV Funding LLC. LVNV Funding LLC was not given authorization or permission to have my SSN number or personal identification information nor did I give them authorization or permission to share this information with any third party vendors. LVNV Funding LLC has obtained my information by aggravated identity theft in accordance with Title 18 U.S.C 1028A. LVNV Funding LLC is fraudulently using my SSN number and personal information to get me to make payments on a alleged debt not owed by using the consumer reporting agencies to extort and coerce me into paying the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: Stearns Ventures, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage on XX/XX/19 with XXXX XXXX XXXX and our loan was immediately purchased by Stearns Lending LLC. We received our first statement on XXXX with a due date of our payment on XX/XX/19. Our Payment was for the the amount of {$6700.00}. This amount was for XXXX toward principal and rest should of have been posted towards escrow and interest. On XX/XX/19, we received notice that our loan had been sold again to XXXX. When receiving notice from XXXX the  account balance did not include the payment that was made on XX/XX/19. After making several calls to Stearns we were told once that the money would be sent back to us, another time that the forwarded onto XXXX, a third call which said we need to be patient and need to check back, and finally the last call stated that they sent the money and to call XXXX. When we made numerous calls to XXXX they have not received our funds nor have any record that the payment was made with Stearns. Both companies say they don't have the funds nor can locate our funds that were withdrawn from our bank 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 2016-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX did a hard-pull of my credit report with Experian without my express consent. I want this report to be removed from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS 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 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 2016-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I paid off a collection account from XXXX XXXX XXXX. XXXX sent me a letter stating the account was paid in full and would be removed from all XXXX credit reporting agencies. 
XXXX and XXXX removed the account automatically, Equifax did not. I contacted XXXX again and they said they would request the removal again. It still was not removed so I submitted a dispute with a copy of the letter that stated it was paid in full and to remove it from my credit report. I just got back the results and they updated the account to paid but it is still on my credit report. I called XXXX and the Rep said they could not make any further changes even with the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am getting 14-20 calls daily on my cell phone, i have asked several times not to call during my work hours. the calls are sometime XXXX minutes apart.

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