BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
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: Account status incorrect

Complaint:
I made the last payment to XXXX XXXX on XX/XX/2023 for {$45.00}. I was told that the account was closed and in good standing. On XX/XX/2023 I received a letter from XXXX confirming the aforementioned. 

On Friday XX/XX/XXXX, I received a notice from all three credit bureaus stating that the account is still open, there are late fees and as a result, they reported this incorrect and fraudulent information causing my credit score to plummet over 110 points. The company has been terrible to work with and have not corrected anything.

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 2023-06-12
Company: NEW YORK COMMUNITY BANCORP INC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To be honest, my banks security is lack luster at best, I have a feeling that they are not honest about what is really going on in the background with compromised situations. And when you contact them, they give you what I beleive to be false information. My account has been compromised several times, and I have asked for a new account because it seems like someone is watching my account for big deposits, and they continue to say your safe, which I dont beleive. Flagstar Bank is the worst at being truthful with their customers and I have had enough.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}

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 non-monetary relief
Consumer complaint received 2023-06-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Today, on XX/XX/XXXX, I had the unfortunate experience of encountering an American Express credit application processing agent named XXXX, whose behavior was not only judgmental, rude, and discriminatory but also caused an extremely unpleasant and infuriating interaction. 

As I embarked on the credit card application process, I expected a respectful and professional experience. However, XXXX shattered those expectations with his dismissive attitude and offensive remarks. He not only questioned my income in an intrusive and inappropriate manner but also exhibited a complete lack of empathy and understanding. XXXX XXXX condescending tone, skepticism, and unwarranted pushback regarding my income left me profoundly dissatisfied and infuriated with the entire interaction. 

It is utterly unacceptable for a representative of a reputable institution like American Express to treat customers in such a disdainful and discriminatory manner. Financial institutions have a responsibility to ensure that their employees are well-trained and equipped to provide exceptional customer service, maintaining an inclusive and respectful environment for all. 

This distressing experience with XXXX had a profound impact on my emotional well-being and overall outlook. The judgmental and dismissive attitude he displayed, particularly when questioning my income, left me feeling belittled, frustrated, and deeply hurt. The encounter not only eroded my trust in American Express as a reputable institution but also left me questioning my own worth and validity as a customer. The blatant discrimination I encountered during what should have been a straightforward credit card application process shook my confidence and left me with a lingering sense of injustice. This encounter serves as a stark reminder of the need for empathy, understanding, and respect in every customer interaction, and the negative effects of such mistreatment should never be underestimated. This experience has left me profoundly disappointed and frustrated with American Express. I implore the company to reflect on its values, reevaluate its employee training programs, and rebuild trust with its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX  stated I owed an old debt to Wachovia bank. Stated it was sold to them in XXXX. They had me previous and current address and my social security number. They stated if I didn't resolve the debt during the phone call they would send the case to an attorney and my bank account would be frozen and the XXXX XXXX would be implemented.

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 2023-06-12
Company: PNC Bank N.A.
State: MI
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:
I noticed that my XXXX account no longer showed up in my accounts and visited my branch office of PNC. All they could tell me is that the account was closed due to inactivity. 
I contacted customer service to be told the same. I was not informed the XXXX line of credit was to be closed : I received no communication by letter or phone message. 
Closing my XXXX account without notifying me was problematic in itself even as all accounts in my name are active. Denying me another XXXX card after they closed my account added to it, but the recent letter of XXXX ( As you requested? ) Really? Is this a simple matter that the left hand does not know what the right hand is doing? 
Is this how they treat a veteran and a customer of almost 3 decades? 
pushed this over the edge and we have now taken it to the next level including numerous letters to corporate-no response. This prompted a complaint with the XXXX. On XXXX XXXX, XXXX XXXX informed me that the matter was given to her. From that point, I sent numerous emails requesting a solution to this issue. As of XXXX no response or solution. 
Furthermore, I filed an additional complaint with the XXXX no response from anyone. 

I simply requested one of two solutions-reinstate my XXXX line of credit, or inform me that you are not. 
I do not believe that my request is unreasonable. I have since applied for a credit card and was accepted by the first bank I applied to. 

Email copies available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I submitted a Billing dispute to the legal Council at Consumer Portfolio Services on XX/XX/XXXX and didnt get a Proper response i requested until today even when i speaking to them on the phone the multiple times they were saying these stressful things ive always INTENDED to pay for debt i ACTUALLY OWE but they just said this WITHOUT SENDING the documents i had requested i just got threats of getting sent to loss prevention i had to look up what that even meant i THOUGHT it was to help me but ive learned its not I wanted to fix this issues but all they have done is give A LATE PAYMENT on my CREDIT REPORT and send me MORE Statements which THEY WERE NOT SUPPOSED TO DO until this was cleared up or are they immune to FEDERAL LAW? Im under the understand that ALL people are created equal and are subject to FEDERAL laws statutes and codes which they did NOT follow and now i have this on my credit report which is further ruining my life this was NOT supposd to happen I was suppose to get the verification i had requested but that never happened!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Aldous & Associates. I have circled the items I dispute on the attached copy of my credit report ( s ). This item XXXX rent payment is inaccurate because at the height of the Covid 19 Pandemic late XXXX when all businesses were ordered closed, citizens were told to avoid all contact or interaction with others, XXXX XXXX XXXX was closed for classes, only on-line education was allowed. I began suffering XXXX XXXX and was under therapy from accredited XXXX XXXX XXXX XXXX XXXX in XXXX and was not able to return to XXXX as advise by school authorities, the CDC as detailed in their mandates. This egregious and fraudulent charge from this firm stated hereto goes completely against The Individuals With Disabilities Education Act of 2004 ( IDEA ) I am requesting that XXXX have the item removed. 

Enclosed are copies of Physcologist letter detailing treatment being adminiserde supporting my request. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
So in XXXX I have put my car in the shop, I contacted affirm because I thought I needed a rental car, the other party was XXXX, XXXX help me get a rental car from XXXXXXXX XXXX XXXX XXXX on the same day, wow I was in line getting ready to get the rental car, the mechanic shop had called me and told me that my car was fixed, so I walked up to the counter spoke to the lady at the counter for XXXX XXXX XXXX, and informed her that I would no longer be needing the rent a car because my car was fixed, but before I even reach the counter I also called a firm and XXXX and XXXX reservation to let them know that I no longer needed the car because my car was fixed, XXXX XXXXnformed me that they wasn't going to charge me and they didn't, XXXX kept giving me the runaround, affirm had told me that they wasn't going to charge me unless the merchant which was XXXX charge me, they agreed loan was {$500.00}, when I called The firm to dispute XXXX claim of me on them a whole {$500.00} affirm done started five or six different dispute in all of them was in favor of XXXX to charge me the full amount of {$500.00}, but the price went up to {$590.00}, and that is not what we agreed upon and even after the loan my taxes was already calculated and everything was already calculated and then they wanted to add in more money, I normally don't deal with XXXX because XXXX have ripped me off before, but a firm is supposed to protect us from companies like this and I'm being ripped off again, a product that I did not use I'm not getting credit for it for the days that I didn't use or my money back and I just paid for the one day that I took the car due to the XXXX XXXX  lady telling me to take the car for a day and return it back the following day, I turned around the car in at XXXX in the morning, but once again no credit has been given to me no no nothing has been given towards me towards my way, just me being told I have to pay XXXX, when our agreement was XXXX, and I don't understand why should I pay the full amount when I have not using the car only to take it to my house and back to the airport. I feel that this long became predatory because I tried to fix this problem with a firm and XXXX I kept getting hung up on even by supervisors and hire at management that's why I'm reaching out to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX XXXX  XXXX : # XXXX XXXX Sc : # 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2023-06-12
Company: Valentine and Kebartas, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX knows I have an attorney. They even sent my complaint responses to him however after I filed a complaint about XXXX contacting me not my attorney they then hired another 3rd party that also has started calling me several times a week and sending me correspondence in the mail at my home.and not to my attorney. I will attach a copy of the complaint results that include this debt that was sent to XXXX XXXX and then the correspondence from the new 3rd party. I'm not sure the date it was recieved but it says to respond by XX/XX/23. I think I recieved it around the end of XXXX. I can look through informed delivery if the information is needed. The calls started around the middle of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of XXXX and financial exploitation of a XXXX XXXX and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX XXXX and these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
Experian was put on notice that it is violating my consumer rights and federal law by reporting inaccurate, incomplete account information that is claims was re-investigated and verified. How? Clear factual inaccuracies and XXXX compliance violations are noted. The noted accounts are NOT reportable and an are act of willful noncompliance and questionable reporting, per the FCRA for which remedy should be sought pending the Experian 's next response. 
See attachments.

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 2023-06-12
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my card and made unauthorized transactions on XXXX and police report was made for XXXX the guy was arrested but need FOIL request to obtain police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Their sending me a letter saying that their sending my name to a collection agency. The problem is, this is NOT MY DEBT. Their trying to say I was a co signer to medical bills. I have NEVER co signed for anybody 's Doctors bills. ( wouldn't I have to sign a form, anyways? ) I told them to take my name off of this and they said NO, THEY WILL NOT. I told them I was going to sue them for harassment if they didn't stop harassing me.. I am XXXX years old with children over XXXX years old and I don't need this aggravation. I want them to take my name off of this because my credit is excellent and this is NOT MY BILL!!! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at my contract never did a agree that a XXXX monthly payment

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 2023-06-12
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover card revolved my account with out prior warning. They claim I called in and have a recording where I agreed to provide personal information verification via email. I made two payments to discover in XXXX, if I was unwilling to work with discover I would not have made two payments in XXXX. I requested they reactivate my account and they refused. However they never produced in writing any request regardless of phone call to ensure that the information was not missed in an email. They claim two have sent two emails requesting personal verification via email with out sending a letter when the email process they say I agree to didnt work. I am not disputing the call or conversation I just dont remember it. People forget things this should not be a reason to revoke their account without true due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
3 days lost day of work for this case because the plaintiff failed to submit documents in the first case XXXX XXXX FL XXXX  XXXX XXXX  which was dismissed for the same reasons. We had an agreement in XXXX, I was served 45 days later, I called them several times to ask why we were going to court to which they responded, " the paperwork crossed '', it did not, they never submitted it. We then went to court and the Judge gave them 30 days to submit it again, they did not and it was dismissed.Now they have re-filed. 

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