BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: AMERICAN EXPRESS COMPANY
State: PA
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 a special offer promotional rate (  XXXX  promotional purchase  APR ) f or  XXXX  billing cycles. Since this was a second time I got this, I called  American Express to see why I got a second. The first offer   came in the mail several weeks ago and I called the company to accept the offer. After the customer service person read me disclosure info, I accepted and was told the offer would become effective in a couple of days.Since that time I made charges on the account believing I had that  XXXX  APR.     The call I made today to inquire, again I was asked personal information and was told they could not locate my first offer, but I could reapply. I told him it was ok I would. Again a disclosure was read and I said I 'd accept it. At that point he told me the offer would not apply to charges I had made before today and it would take effect in a couple of days, and again told it would not apply to the over {$900.00} in charges I made. I only made those charges because I thought I had the lower rate. I would have placed it on other cards I held to get rewards.     I could not get any satisfaction from this person, so I requested to speak with a supervisor. I was told there was none available to talk to me. He put me on a 5 minute hold and came back to tell me he spoke with a supervisor who said I could not use the offer on the amount I had charged. I insisted on speaking to a supervisor and after another hold, a  XXXX , employee #  XXXX  told me he was the supervisor. I again explained the situation and also that I was an over 25 year  American Express  card holder.     After speaking with him, he again said the offer I was given before could not be located and the present offer could not be used towards my new charges, ( which by the way will not show up until my next month billing ).   I received no satisfaction from either person I spoke with. I also told  XXXX  I 'm concerned too because the person I spoke to several week ago also was given my person info and what happened to it .... He had no answer.   I would appreciate ant help I can get here and am following through with this complaint. Also is there a federal agency I can contact?     Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was charged {$20.00} for payoff statements that were requested by a third party in connection with a refinance transaction. The mortgage and note do not mention any fees to be charged for mortgage maintenance. There was no fee schedule included in my closing package, which was confirmed by XXXX XXXX of Quicken Loans by telephone conversation on XX/XX/2020 at XXXX XXXX XXXX. At closing, I was never made aware of any fees to be charged for payoff statements or maintenance of my loan. Quicken Loans refused to remove the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2022-04-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
On XX/XX/XXXX I placed an order for 6 dresses to XXXX via XXXX, with payment made via XXXX. 
- On or around XX/XX/XXXX, the dresses arrived and I discovered that they were knockoffs. 
-On or around XX/XX/XXXX, I submitted a return ticket to XXXX via XXXX, which was within a week of receipt of the merchandise. 
-On XX/XX/XXXX, XXXX approved the return. 
-On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union regarding the knockoff dresses not being as advertised and a failure of XXXX to provide me a US return shipping label despite the merchandise being mailed from a US Warehouse . 
-On or around XX/XX/XXXX, Navy Federal Credit Union issued me a temporary credit in the amount of {$240.00}. 
-On or around XX/XX/XXXX, XXXX resolved the case in my favor and refunded {$240.00} to my bank ( per email attached ). 
-On or around XX/XX/XXXX, I sent proof of return of the XXXX merchandise to XXXX for the dispute case as I was unaware that XXXX refunded my money. 
-On or around XX/XX/XXXX XXXX XXXX reversed the {$240.00} credit to my account charging me for the knockoff dresses that I had returned. 
-On XX/XX/XXXX XXXX confirmed that the XXXX refunded the {$240.00} back to my bank. ( See attached email ) -On XX/XX/XXXX I was on a 3-way phone call with XXXX and NFCU and XXXX insists that theyve refunded {$240.00} back to NFCU on XX/XX/XXXX. XXXX sent an email confirmation to confirm that the {$240.00} was refunded back to NFCU. Style We also confirmed that the {$240.00} was sent back to NFCU. 
-Navy Federal Credit Union is citing that I did not send back the knockoff dresses within a week ( despite me informing NFCU that XXXX hadnt provided me a viable return address ) so my claim was denied and is refusing to refund me for the knockoff dresses that I returned. 
-Navy Federal Credit Union has charged me for merchandise that has been returned and refused to refund the {$240.00} charge + interest despite the bank having been refunded the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Didn't receive services that were advertised

Complaint:
XX/XX/2021 I got with a company called seek XXXX that said theyd get me a business loan for XXXX liquid and all they did was apply for a bunch of personal credit cards. And didnt get close to XXXX. Now my credit score has dropped and I have too many hard inquiries, Im not able to buy any real estate and grow my business. 

I read reviews after I noticed they werent doing what they said and seek XXXX has been tricking a lot of people. 

I paid {$1500.00} for them to ruin my 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 explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$6700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: RI
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX on or about XX/XX/XXXX via telephone call to discuss an apparent judgment they had obtained against me. They advised me my alleged balance was {$8100.00}, which was concerning to me since my original balance on my credit card debt was less than {$5000.00}. I of course questioned the balance, but the collector was quick to shut me down and confirm the balance is now {$8100.00}. I tried to work out a settlement agreement but was met with an uncooperative and unreasonable and frankly, rude collector. 

I did some research and decided to write a letter in hopes that a more reasonable individual would review my request. I feel that my request is not unreasonable, which I was offering {$5000.00} payable in one lump sum. I sent a written correspondence on XX/XX/XXXX explaining my financial hardship, why I went into default on this credit card back in XXXX, and an offer of {$5000.00}. Expecting a written response within 30 days, I did not receive one. 

Therefore on XX/XX/XXXX I resent another written request. This time, on XX/XX/XXXX I placed a phone call to confirm that they had received my written correspondence. The collector was rude, and was being very condescending asking why I even bothered sending a letter, making it clear that in no way they would offer better terms. I simply wanted to know if they would be responding in writing to my written inquiry. He was unwilling to answer my question, and proceeded to attempt to negotiate the debt with me right then and there on the spot. I was really surprised when this time he stated I owed {$7200.00}, and not the {$8100.00} they claimed I owed just a little over 30 days before. I asked what changed, and how could my balance drop by {$1000.00}? Again he was not able to explain why, and continued to dodge my question with is collection efforts. 


At this point I was very concerned with this debt. I feel like they are unsure how to calculate my actual balance due and frankly I'm unsure whether I'm even dealing with the right entity. I'm hoping I can get help from the CFPB and that XXXX XXXX XXXX treat me with respect and dignity, I am simply trying to resolve an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello- Yes I have an account showing as negative on my credit that does not belong to me. I have contacted XXXX  as well as the company itself. I have no knowledge of this account. Whenever I contacted the Creditor, they were unable to provide me with documentation for the amount that they are claiming is mine. {$1800.00}. I pay all of my bill on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NC
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MD
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:
I have send a numerous amount of letters and details about multiple items on my credit file that have not been verified by your company. I sent out letters stating that I would like to see verifiable proof ( an orginal consumer contract with my signature on it ) that you have on file of the accounts. Numerous letters have been sent out and multiple complaints and your company have been sent out but nothing has been done. I have been keeping close eye on things and keeping a good record of my filings. You all have fail to respond in 30 days and are breaking the law and will lead to a small claims action against your company that I and seeking XXXX per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Reporting Act, and XXXX XXXX. Also stated from the company in my last complaint they review was completed and stated my results were mailed to me but the results they sent stated I did not lived in the united States or have a SSN which is also false because as my last complaint my SSN was attached to my documents it is in these complaint. This is my third complaint and attempt to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XXXX XXXX XXXX  I put down separate deposits of {$750.00} for two properties with a leasing company called XXXX. I cancelled both deposits, the leasing company sent me two separate checks to refund my security deposits. I received the checks separately by mail. I cashed the first check for {$750.00} around the XXXX of XXXX and the second check on XX/XX/XXXX. Shortly after that I received a notification that my accounts would be closed and my funds frozen. 

I went directly to my local branch manager who was extremely helpful, I showed her the information from my leasing company indicating that both checks are refunds for security deposits. Unfortunately, the entire fraud department for Citi is located overseas and we stayed on the line for over an hour to no avail. I explained multiple times the reason for these refund checks but the fraud department refused to accept my reasoning. They insisted that only the leasing company can call and confirm that their checks are legitimate. I've spoken with my leasing company 's accounting department and provided them the number for Citi 's fraud department but they have never been able to get through to anyone. 

I've called multiple times and the fraud department is unwilling or to incompetent to connect the dots. They are unable to explain why the first check I cashed was fine but the second check for some reason was flagged. It has now been more 60 days that my money is inaccessible. I'm also unable to open an alternative account due to the XXXX  flag resulting from this unwarranted account blockage.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is violating my consumer right to privacy pursuant to 15 USC 1681b 2 XXXX XXXX XXXX XXXX has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I demand they both delete this account off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 2 complaints Complaint # 1 Before I paid of my loan, I called to ask about my payoff amount. I was advised by the service rep to use the online payment payoff versus the mail check payoff amount. This was the amount I got on Navients website and sent it to XXXX Navient, {$44000.00} Navient, {$26000.00} After adding up both loans I got XXXX to payoff the loan. 
When I called to verify if the loan was paid off I was told that I owe {$41.00}. Now my bill is almost {$270.00} in interest fees. 

Complaint # 2 Navient misapplied some of my loan payments. Everytime I try and speak to a customer service rep, they have a different story to tell me. I went and downloaded all my payments relized that the addition {$100.00} payments I was making was just going towards the interest and not the principal even though I instrusted them to apply the payments to my principal. I want Navient to reimburse me for {$3600.00}

Company response to consumer: Closed with explanation