BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card account was prematurely and summarily closed by Capital One, unbeknown to me, at the end of XX/XX/XXXX. I never received by mail or email, any notification from CapitalOne of pending closure of the account. I did receive a message on my home phone on XX/XX/XXXX requesting that I contact Capital One prior to XX/XX/XXXX ( not a typo ), to answer some questions. I have retained the audio message. There was no urgency indicated. As my identity was stolen in XX/XX/XXXX, I am vigilant regarding my credit accounts. The phone call reminded me of a phishing scam, which did not warrant follow up. I did however log onto my online account. There were no messages or notifications online indicating any problem. The account was current. 
On XXXX XXXX, I attempted to access my rewards points, only to find that my account was restricted. A customer support representative was unable to assist me. I was subsequently transferred to XXXX ( employee # XXXX ). I answered several questions regarding my business, which apparently were required by federal law. As she was unable to remove the restriction on the account, she had to consult with her supervisor, whom I was not allowed to speak with. After 45 minutes, I was told that not only was my account restricted, but closed. I was given no reason for the closure, nor the opportunity to speak with a supervisor. I was told that I had forfeited my rewards points ( XXXX points ), and that there was no recourse. The decision was final. 

I am dumbfounded that CapitalOne would choose to treat a long time client in this manner. From a customer viewpoint, confiscating my rewards points is theft, and a very bad business decision. I have been in business for more than 30 years. If I treated my patients this way, I would be reprimanded by the Medical Board and probably lose my license. I am asking that CapitalOne re-activate my account, or at a minimum, allow me to use my points, transfer the points, or reimburse me for the cash value of the points. I would also like an explanation for why my account has been closed. This can have an adverse effect on my credit score which is not warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the month of XX/XX/2023, I made my regular payment to my American Express credit Card. In my XXXX statement, I notice a late fee of {$29.00}. I called American Express stating I had a family emergency and I believe I made my XXXX payment on time I see a late fee in my XXXX statement and I was for the late fee to be waived. 

American Express did not help me and told me their system is not allowing them. 
I am disabled with a limited budget, I am not asking for anything unfair, I just want Ameridan express to remove the late fee. I always made my regular payment with little extra on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$21000.00}

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 2023-02-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 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 2023-02-22
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality Some stole my identity n I didnt know until I checked 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX  XXXX refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bal : XXXX Date Opened : XX/XX/.

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 2023-02-21
Company: SIMM Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother recently passed away on XX/XX/23. On XX/XX/XXXX, I received the letters of administration & forwarded them to my mom 's banker same day and told her I wanted to pay off her XXXX credit card immediately which was due XXXX. Instead of replying in a timely fashion while still holding my mother 's accounts closed, XXXX turned the account over to SIMMS collection agency! They called me from a scrambled number and insisted I owed them and XXXX was their client. When I checked with XXXX XXXX at XXXX she said I had to pay them. As soon as she released my mother 's funds, I opened an estate account and paid all my mother 's bills. I sent a check to SIMMS and they refused to cash it. After 7 days I called them and they scoffed at the starter checks that every other creditor had cashed, and told me I could not sign the checks " The Estate of XXXX XXXX XXXX '' which is how the bank told me to sign the checks. They refused to deposit the check! and then extracted personal information from me in a very sleazy way, insisting they want to make an ACH withdrawal from the estate account now. I am not comfortable with this coercion and I am dumbfounded that they refuse to cash the check, and have the nerve how to tell me to sign it. I am only trying to pay the bill off in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: AFNI INC.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not owe this money. I canceled XXXX over 2 years ago after more than a decade of service. i prorated the service fees and paid them in full. they claimed i owed them a full month PLUS another month. i refused to pay. they did not sue me, they did not report me to any credit reporting agencies. they turned it over to afni in XXXX il, who did not sue me, but DID report it to the credit reporting agencies and have been harassing me for months with 4 to calls per week. when i reached out to them they said " i should pay may bills ''. i do pay my bills, they have no evidence other than a final bill from at & t, which at & t did NOT sue me with or report to the credit agencies with. what is the burden of proof here? what are my next actions? some dude can't just say i owe this and then i'm screwed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
A lot of misspelled names and names I never used and address is wrong I tried disputing on experian and it want allow me to. And unknown ssn attached to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a Chase Freedom credit card for a long time. Chase recently sent emails notifying Freedom cardholders that they would be upgraded automatically to Chase Freedom Unlimited. They proceeded to run a hard credit check for the automatic upgrade, which I believe might be illegal. My credit is frozen, so they sent me a letter through online account that the application was denied. I've spoken with Chase Card Services already. I don't want to lose my current credit card, but I am not willing to have a hard credit pull for this Product Change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXXXXXX 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 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

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 2023-02-22
Company: Experian Information Solutions 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:
XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, Experian and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-22
Company: Experian Information Solutions Inc.
State: MA
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 disputed a late payment on my XXXX XXXX credit card with Experian and XXXX and they keep telling me that the late payment has been verified, the problem is that neither Experian or XXXX ever provided me with the proof that I need and that I requested from them showing me that the late payment on the account is accurate. I asked both of the credit bureaus for the bank statement where it shows that I was ever late on this account and I have never received any proof from any of them. They are lying by verifying the information that I disputed, when in fact they never did an investigation on the late payment because the investigation only took 5 days for them to answer me back. I want the bank statement from the creditor where it shows that I was late on the account and that I was late on the say that they are saying that they verified.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 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 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 2022-11-28
Company: EQUIFAX, INC.
State: LA
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 reached out to Equifax about an inaccurate XXXX collection on my credit report and they have not conducted a proper investigation. I wrote them on XX/XX/XXXX and they have not provided results and nothing on my report has changed. I have also sent a letter to the collector regarding this and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My original Bank of America checking account has shown two fraudulent bill pay payment to XXXX XXXX credit card ( amount : XXXX USD ) on XX/XX/2023 and to XXXX XXXX credit card ( XXXX USD ) on XX/XX/2023. Bank of America had never notified me of these two fraudulent transactions, and I discovered these suspicious activities on XX/XX/2023 and immediately contacted Bank of America for fraud claim and froze my original checking account. I have never made any previous transactions to these 2 banks, nor I do possess any of their credit cards, and I was always careful with the cybersecurity of my devices with regular anti-viral software clean-up, but somehow still encountered fraud activities. However, after initial investigation, Bank of America denied my claim, neglecting their responsibility of safeguarding the properties of their client. Therefore I'm filing this complaint in desperate need of your help to make Bank of America honor my claim as this huge amount of fraud loss has put my everyday living in critical conditions. Thank you so much and I hope to hear from you very soon.

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 2023-10-04
Company: SERVICEMAC, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
After suffering an insured loss, our mortgage company has retained our insurance check and is not supplying any communications or updates regarding the past XXXX inspections to release those funds. They are in possession of funds that far exceed our mortgage balance in addition to multiple inspections showing contractor progress that exceeds milestones required for funds dispersal.

The banking institution 's third-party administrator ( loss draft department/servicing department ) is interfering in our insurance indemnity claim of loss. They are unreasonably delaying and withholding funds necessary to pay your contractor and therefore delaying repairs and causing additional harm. 

A prompt resolution to this matter is requested and has been demanded of all parties.

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