BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Around XX/XX/XXXX, I opened an American Express Gold Card after being offered a sign-up bonus of XXXX points after spending a minimum of {$4000.00} in 6 months. I exceeded the minimum spending by the end of the 6 months in early XX/XX/XXXX but did not receive the bonus. 

When I contacted Amex through mobile chat to figure out why, I was told that the offer for my account was 3 months, not 6 months, and that there was nothing they could do. 

I called Amex phone support and was told the same thing and, in addition, that after 92 days I was only {$10.00} short of {$4000.00}, which added to my frustration. 

I then reached out to Amex support through XXXX, which led to an online chat with the same response, even though I told them I had written down the terms of the offer when I was approved and had found information on Amexs own website dated XX/XX/XXXX, that said that the promotional offer was 6 months. 

When I was approved for the credit card, Amex did not specify the terms of the promotional offer that applied to my account, and I assumed nothing was amiss because I didnt receive any further information about it. Its frustrating because its my word against theirs and whatever their system coded is considered infallible. 

The same sign-up bonus is being offered to this day. If other people had the same experience as I did, it means that Amex is misleading consumers into opening credit cards by enticing them with a sign-up bonus worth at least {$600.00} and later denying that bonus if they cant satisfy the more restrictive terms. I believe that is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX -- - ; Just ended a call with an Experian representative to follow up on the copy of a XXXX letter received dated XXXX XX/XX/XXXX to inform the Public Record bankruptcy item reporting in my XXXX consumer file had been removed. I informed the Experian representative on today 's call that my call is to learn if Experian too has removed this Public Record item from my Experian credit report because XXXX is their data furnisher. The Experian representative verified my SSN and then proceeded to search for the XXXX letter I uploaded vial the internet to Experian and did receive a message that the document was successfully uploaded. The Experian representative stated he did not see the document uploaded and stated he could not locate it. -- - I received ( 3 ) letters from data furnisher XXXX stating as of the date of these letters, XX/XX/XXXX, XXXX has removed the disputed information from my file. -- -- I disputed my Public Record Bankruptcy item reporting with all ( 3 ) credit bureaus, XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX ), and Experian ( on XX/XX/XXXX ) ;. ; Experian has several times forwarded dispute results ( for this same item ) stating the item remains and dispute results are verified as accurate. Experian 's dispute results stated verified as accurate are false statements as the court or any court does not report to or provide information to Experian. Experian should remove the Public Record bankruptcy and associated bankruptcy accounts immediately. -- - " I also disputed again the US Dept of Education Student Loan for incorrect balance and account status. XXXX confirmed to me in a letter dated XX/XX/XXXX ( see attachments ) that ALL of my student loans have been forgiven as of XX/XX/XXXX and should now reflect a XXXX balance, status of account stating XXXX and 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 2017-03-21
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost ten years it was sold in XXXX XXXX to SLS Specialized Loan Servicing. While it was being sold I was in the process of a modification with XXXX. The modification was due to my interest rate going up from a previous modification set up. I was current on payments. I then started the process with SLS who from the start was a hassle. They sent out the forms and I submitted everything as they ask I was set up on trial payment {$50.00} less than my actual payments. The rep had asked that I still make the total current payment during trail which I did. The rep set up all the payments over the phone that day. The first payment in XXXX XXXX was denied by my credit union because it was not recognized, the same day I went back in and made the payments. This is all noted on my bank statements I will be attaching the statements showing all payments were made as asked. But they have my credit report showing 39 days late. I do not want this modification any more I do n't trust this company and they were trying to get me to agree to a XXXX balloon payment. Before I said I do n't want this modification I was asking them to correct the way my payments where being applied. I have reached out and did everything they have asked. The XXXX original reps I spoke to agreed with me payments were being applied incorrectly due to some code on my account. I just want my credit reporting correct and know what I owe to continue you mortgage they way it was. I 'll pay the difference and move on. I regret all of this wish my mortgage was never sold. My next payment to be paid is on the XXXX for the amount the rep set up this payment was to go towards my last trail payment for XXXX XXXX. I do n't know what to do next this has put me at serious health risk with my XXXX. I just need some direction on how to get this fixed. I do not want to refinance at this time I qualify for help and was just reaching out. They also sent me over a recast that I 'm unsure of when I contacted SLS they were unaware of it. 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 2023-06-10
Company: EQUIFAX, INC.
State: AL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later following this, on XX/XX/XXXX once again I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. As of now, I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2017-03-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a loan with the office in XXXX KY for the company OneMain Financial and I was discriminated against because I am on XXXX. I feel It was wrong to treat someone with a XXXX the way I have been treated. The Office Manager She hid behind my student loans that are deferred for a year after I was initially told that I could be helped if I got her paperwork of them being deferred for a year. I was working with a loan officer initially when I applied for the loan of $ XXXX {$3000.00} dollars and was told because I have student loans showing up that I need a letter showing they are deferred for at least a year before they could help me and give me a loan that was company policy. I talked to XXXX Friday and told her I had the letter and I also had my award letter from XXXX as well stating I had backpay coming and if that could be used as well to show my income for the year as it was from XXXX and that was the source. She said to send the paperwork which I did. She said her manager would have to look at it and approve it and would look at it Monday. Well, she called me today and told me she could not help me because my student loans were only deferred for a year and my XXXX was my only source of income and I had a credit payment and then insurance would have to be put on the car. I explained that I could afford everything and needed the car to get to doctors, food shopping and appointments and she said that I would have to get my student loans discharged permanently before she could help. I explained I could not do that because I did not have any way to pay taxes that would be due because the way it works when student loans are discharged. I begged her to help and it kept being brought up that I was on XXXX and had Student loans that would be coming up due in a year. I only needed the loan for a year and could have paid it off I explained and she was wanting to extend the loan for over a year I guess to make more in interest which I only wanted the loan for a year, to begin with and she kept bringing up that I was on XXXX and she could not count my backpay as anything and if I get my student loans discharged she could help me then. My Student loans are none of her business and what gives her the right to tell me to put myself in further financial problems with the IRS her advice was not logical and she was discriminating me and hiding behind me having student loans for the fact of my income being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
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 Account XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 2023-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates , LLC, defined as a non-affiliate third party by 15 USC 6809 ( 5 ), allegedly committed identity theft under RCW 9.35.020. The original creditor, XXXX XXXXXXXX, a financial institution per GLBA 15 USC 6809 ( 3 ) ( A ), lacked my consent to share personally identifiable financial information with Portfolio Recovery Associates , LLC, potentially violating 25 USC 6802 ( b ). This includes fraudulent acquisition of my non-public personal information, defined by 15 USC 6809 ( 4 ), for debt collection, constituting an unfair practice under RCW 19.86.020. 
Furthermore, Portfolio Recovery Associates , LLC illicitly disclosed my financial information to consumer reporting agencies, violating my privacy rights and potentially constituting crimes under 18 USC 894 and 18 USC 242. 
Additionally, there are concerns that Portfolio Recovery Associates , LLC may be attempting crimes of trafficking in persons through involuntary servitude as per 22 U.S. Code 7102 ( 3 ) & ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint Description : In XXXX of XXXX, my wife and I went to the XXXX XXXX XXXX in XXXX Ohio listed in above address. I suffer from a XXXX XXXX condition and my wife has a XXXX on the foot. Both conditions produce foot pain. 
On XX/XX/XXXX, I and my wife were evaluated by the male staff person. He said that XXXX XXXX was a Medicare provider, and that he was going to diagnose my wife and my foot condition. 
He informed us that Medicare 80 % of costs, and our XXXX XXXX XXXX would cover the remaining costs. 
Next, the XXXX staff person said he would diagnose our feet to determine the our condition and prescribe orthodics that would address our respective foot conditions. 
Based on XXXX staff persons diagnosis, he prescribed orthotic inserts for my wife XXXX XXXX and myself : The staff person that waited on us examined our feet and diagnosed the need for the following inserts : Model numbers XXXX, XXXX, XXXX. 
XXXX XXXX  representative informed us that Medicare and XXXX XXXX XXXX XXXX XXXX would cover 80 % of costs ( {$1500.00} ) for Claim. Our portion would be {$380.00}. 
XXXX podiatrist said that the Care Credit Card would cover the {$380.00} expense for both my wife and I. 
XXXX XXXX instructed us to wear the three inserts, the most extreme for as long as tolerated, then wear the next level insert as tolerated, and then wear the lest rigid and less painful the rest of the time. 
After wearing the inserts for ten days, and our foot condition became more painful. I called XXXX and spoke with a woman on named XXXX. I told her the XXXX XXXX prescribed our inserts orthodics but the pain of wearing the three different inserts as instructed had made our foot pain worse for my wife and I. I requested a refund. 
The staff person, XXXX, said we could not get a refund because they were expressly designed for our respective foot conditions. 

On XX/XX/XXXX, since we had 60 days to dispute charges for these unacceptable goods, we requested Synchrony Bank to cancel this order Immediately and stop billing us. According to Federal Law, Synchrony Bank is required too investigate and cease payment until this fraud is resolved. 

Synchrony Bank never investigated our dispute for these fraudulent shoe inserts. 

On XX/XX/XXXX, Synchrony Bank 's attorney issued a Summons in Civil Action from XXXX XXXX XXXX XXXX, XXXX, Ohio Case # XXXXXXXX XXXX XXXX XXXXXXXX. Synchrony Bank is requesting we pay $ XXXX That we are required to serve upon the Plaintiff 's Attorney, or upon the Plaintiff, if he has no attorney and the court, and answer within 28 days ( By XX/XX/XXXX ). 

Please help. 
Respectfully, 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 2021-08-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2022-05-04
Company: EQUIFAX, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Several years ago opened an additional savings account with Wells Fargo because they stated that if I had direct deposit and transferred each month into this account I would not be charged a monthly fee. Well at some point and without notification they stop that particular savings account and changed it without authorization to a checking and proceeded to start charging me a monthly fee. This went in for a couple of years without me realizing they were taking the fee. I called to tell them I didnt authorize this change and I still had direct deposit and the transfer in place. I was not given any compensation for all of the fees they had taken from me. I have been a customer with Wells Fargo/ XXXX XXXX since 1989 I think I deserve better.

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 2022-09-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation