BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hello i believe the Collection service of Nevada has committed a FCRA violation. I reached out to the Collection service of Nevada to see if the debt was accurate or excusable in XXXX and on or around XX/XX/XXXX. I asked rep about options and what my due date really was she responded back with any amount is acceptable and your bills due the XXXX of every month. I mentioned I had already paid on the XXXX of XXXX or the XXXX of XXXX. She responded with thats great and if you want to settle you have to hang up and call me back with an amount.? I also explained to her that the XXXX apartments had a verbal agreement with me to hold off on sending to collections because of financial struggle and they violated and sent it to collections anyways. Two days later the Collections Service of Nevada reported me to the credit burros with inaccurate amounts and also reported that I was late or had a missed payment which was a false claim and a violation! I disputed it and the dispute came back with a correction possibly on amount but the late payment was still reported as accurate. I have all of my payment receipts and all are processed before the XXXX! my credit dropt significantly due to late or past payment on a collection! During a time that I needed to apply for a new product but couldnt because my credit was impacted by the violation of Collection Services of Nevada! Please help

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 2018-02-15
Company: AMERICAN EXPRESS COMPANY
State: MT
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:
I received an American Express Delta Skymiles promotion in the mail that offered me XXXX miles if I spend {$1000.00} in 3 months. I signed up for the card online and was approved When I received the card in the mail, the welcome kit mentioned nothing about the promotion I had signed up for and was approved. I called American Express and asked for the details of the promotion and confirmation that I will receive the XXXX miles once I spend the {$1000.00}. The first couple phone calls I was reassured that I will receive the promotion benefits and they would send out a welcome kit saying so, I never received anything in the mail. My final phone call was XX/XX/XXXX when I was told that I won't be receiving the promotion because I had had an American Express card before. Then I was told by the supervisor that the promotion wasn't even from American Express but was from Delta. So now they are just full of excuses to avoid holding up their end of the deal and giving me the promotion. Just to note, This promotion received in the mail was addressed to me and it included my Delta Skymiles number. Whether this was a promotion from American Express or Delta or a joint promotion, someone needs to hold up their end of the deal and do what is right. I expect the promotion offering me XXXX miles once I spend {$1000.00} to be sent to me in writing. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Greetings, I currently hold the American Express XXXX XXXX credit card. Unfortunately, American Express hasn't been crediting my miles for months. Upon reaching customer service they said I violated the terms and agreements and that I would have to return the earned miles. I didn't cancel the credit card and I received a XXXX offer to switch product. I've been a XXXXXXXX  XXXX credit card holder for years, I'm being penalized for the offers that American Express send out to customers. There's no transparency, even my credit card expenses doesn't reflect on my medallion qualification status. I haven't used the card because of this annoyance and I've been considering stop doing business with American Express. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX are both alleging that the XXXX XXXX account reflected on my credit report is accurate and verified. The inaccuracies listed below : *The account type listed for Equifax is factoring data and collection on XXXX *Equifax reflects a past due amount of {$480.00} and XXXX reflects XXXX *Equifax reflects payment history as ok from XXXX ; XXXX reflects no payment history *The account number differs among the 2 bureaus *They are allowing XXXX to list 2 different names among the bureaus for the same account These inaccuracies alone are grounds for removal. Additionally, in my communication with XXXX, if they indeed own the debt, they did not provide any credit card agreement forms, a mere statement does not validate the amount alleged to be owed. XXXX did not provide a comprehensive accounting ledger of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: Midwest Acceptance Corp.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Co-signed a auto loan for son with Midwest Acceptance the car was stolen in XX/XX/2015.  Insurance paid them off but they report it as a charge off when it wasnt. I contacted them to discuss this and they were rude and verbally mean.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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 was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2019-03-25
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:
In XXXX of XX/XX/XXXX I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be 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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I sent in numerous letters to Trans Union to do a simple method of verification on my bankruptcy on my report XX/XX/2020. They have been disregarding the law by not responding after I gave them verified proof of everything they asked for in their response letter which one of the items was a signed letter from the courthouse. I will include in my complaint.

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 2021-07-03
Company: DCI Credit Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In regards to previous complaint against DCI Credit Services , Inc. Company responded on XX/XX/2021 to CFPB complaint stating : RESPONSE TYPE Closed with explanation Company 's Response DCI Credit Services , Inc.- a North Dakota based debt collection agency has not sent any notices or attempted to collect any accounts/debts on this Consumer. This complaint was made against the wrong company as we do not have any accounts here under the Consumer information provided. 

On XXXX XXXX DCI Credit Services, Inc pursued further attempts.

They continue to break and violate Federal Law 1 ) Claiming that no such debt nor consumer existed in their records 2 ) Continued to violate 15 USC 1692 by submitting Notice on XXXX XXXX XXXX ) Lying to the CFPB in regards to avoid investigation of the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a couple accounts open, 2 of which those were XXXX accounts for my XXXX, they closed those as well and they were in good standing.. Wells Fargo said that my accounts were gon na be closed due to filing claims due to charges that werent mine.. Idk why they did that, if a customer sees a charge on their account that theyre not aware of, the right thing to do is to file a claim which I did.. But the bank didnt like that do they closed my accounts, mind you most of these claims were always in my favor..

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 2022-03-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've never had XXXX XXXX  accout. Someone use my information in 2 other accounts also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items USDOE/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX, XXXX, XXXX ; XXXX XXXX; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, OH 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 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-04-11
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a HELOC through the State Employees Credit Union. During the process an appraisal had to be done on the home. The Credit Union initiated an automated valuation at no cost. The appraisal was XXXX. My wife and I opted for a full appraisal at a cost of XXXX because the automated valuation did not take into considerations the upgrades that we had done to the home. To our dismay the full appraisal came back XXXX. Our home was built in 2008. The homes the Appraiser used as comparables homes that were XXXX to XXXX XXXX XXXX with other homes similar in age and structure were available. This significantly impacted the outcome of the appraisal. When I spoke to the person handling the closing of the HELOC she was stunned as well that the full appraisal came in lower than the valuation. We disputed the appraisal and provided comparables for the appraiser for him to consider. The appraiser stuck with his initial results. As XXXX homeowners My wife and I feel the choice of choosing properties that were XXXX years when newer similar models were available was intentional and adversely impacted our property value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime close account after receiving deposit and can't see my credit card account once the closed my online account but I received emailed saying my statements are available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 Section 602, states that I have the Right to privacy. 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 filed a Chapter XXXX bankruptcy ( BK  ) inXX/XX/XXXX. My vehicle financed by Capital One Auto finance was not included in the BK ; I directly paid Capital One for the vehicle and paid off the vehicle inXX/XX/XXXX as the attached payment statements and other supporting documents will show. 

The BK was discharged inXX/XX/XXXX. ( Please see attached file ) Capital One is wrongly reporting to XXXX  that the debt was discharged in the BK. 

I have been disputing this issue with XXXX  since XXXX ; I have also reached out to Capital One Auto finance to correct the issue. Both Capital One Auto failed to report the account correctly. 

Please note I am denied credit for an account reported in a BK that was never in the BK and paid in full. ( Please see recent denial by XXXX attached ) Initially when I disputed the account in XXXX, XXXX  stated the BK will be removed in XXXX. Now XXXX  is saying the negative reporting will stay on my Credit Report until XXXX ; although the account was not paid / satisfied in the BK ; and the BK was filed in XXXX. This is 9 years ago. Please help me resolve this issue.

Company response to consumer: Closed with explanation