BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I got an " upgrade '' bonus point offer ( {$4000.00} ) from American Express last year with some spending requirements, which I took. What a mistake! American Express took the yearly membership fees from me on XX/XX/XXXX. And I spent to meeting the spending limit of the offer. In my recent XXXX statement, I got renewal yearly membership fees again. I do not want to pay the membership fees again for another year. So I called to cancel the card. The customer agent told me that if I just downgrade my card again, the points will remain. However, on XX/XX/XXXX, I got a notification from AMEX that all my XXXX XXXX upgrade bonus points were removed because I didn't maintain the card for a year ( which they claim would happen in XX/XX/XXXX ), even though my second year membership is charged on my account by prorate already. This is ridiculous. They cheated my points away on a technicality. Is it not the company 's responsibility not to charge the 2nd annual membership before a year is passed? And is it not the company 's agent responsibility to inform the customers that they will lose points from the account if it is a few days too early to downgrade the card? And why are they charging " yearly '' membership fee twice within a year? The practice is so shady and I can not believe it is from $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This regards CapitolOne. I paid off my balance last XXXX ( 2022 ). I directed them by letter to either give me a new account number out of fear there may have been some fraudulent charges to my account, or to just close the account. They did neither. Later, two monthly recurring charges appeared from websites I had unsubscribed to and CapitolOne allowed those charges when the account should have been shut down. I have called them at least three times, and I have written to them at least three times explaining the situation. Their only reply is an occasional letter telling me 'I still have options '' to make payments to them. They have never called or sent a letter that addresses my remarks. Currently, they claim I currently owe {$290.00}. This is just under {$100.00} for the two fraudulent charges they allowed, and late fees and an annual fee. This total will certainly continue to grow as they arbitrarily slap more late fees on it. In the meantime, because they have reported late and past due dates and fees, my credit rating has plummeted! I need CapitolOne to stop harassing me and fraudulently charging an account that should have closed 9 months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ARCADIA RECOVERY BUREA has 3 accounts reporting to my credit report, i do not owe this debt ... my insurance said they covered this..i have tried to contact the credit bureaus as well as Arcadia at least 5 times for validation/verification of this debt ... i have received no such proof of debt ... ..

these accounts have all been re aged as well, i have attached copies of their report, please see ... .i need these people to delete these accounts now as it is not reporting 100 % accurately as required by law ... my next steps is to contact the state attorney general as well as a consumer attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fedloan Servicing has a total of 10 loans in my name.  Fedloan was notified by my school that I was enrolled since XXXX 2019, however, they put a 90 day delinquency on all my credit reports in XXXX   2019.  Their internal records have been updated, however, they failed to update the credit bureaus of the error and to make the correction to all 10 of my loans which they are reporting.  I was advised I had to go through a process to have the information corrected despite the fact they had already been notified and had updated their internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had another complaint submitted before, complaint ID # XXXX for you reference. 

I just received another letter from a different collection agency that works with XXXX, Amsher Collection Services , IncXXXX XXXX is still harassing me with the same thing as I complaint before. I don't owe XXXX any money, I asked my bank to dispute the charges from XXXX because they tried to charge me the services I already cancelled, and the claim center of my bank was investigating and waiting for XXXX 's bank 's response, but XXXX totally ignored my bank, no response at all for over 1 month. XXXX just kept harassing me by telling different collection agency sending me the letter to scare me. Whoever works for XXXX  should be ashamed for harassing the consumers that doesn't owe XXXX any money! Please help me with this! It seems like it will never end! 

XXXX is the worst!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit 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:
After filling numerous fraud disputes td bank allowed fraudsters to repeatedly gain access to my XXXX XXXX XXXX, overdraw the account and repeatedly change security notification information associated with the account. After spending hours at the branch as directed by card services, the bank was still using the false telephone # provided by the fraudsters up until I notified them on XX/XX/2023. Fraudsters changed the email address and contact phone # on XX/XX/2023, and and 3 weeks later its still wrong until I changed it. 


The bank would not close the account and was ready to send me a new card even though they allowed over XXXX dollars in charges that are still pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX, a number of transactions have been delayed without any information from the bank branches. The delay is not seen with other banks. I have had over 6 transactions delayed and late fees added - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX BOA paid the following billpay BUT did not deduct the funds from my account ( see attached ). This has never happened in the 10 years I've paid bills this way. I have not received any notice stating BOA changed their policy and if I didn't check my account daily, I would falsely think I had more available funds than I really do, thus possibly sending me into negative funds and BOA being able to charge NSF fees. I was on the phone for an hour with rep and she said she could not help me so transferred me to another lady who said she had ti fill out some form, then hung up on me. I called back and the lady refused to transfer me to business bill pay.

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 2023-06-20
Company: EQUIFAX, 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 did not give permission to any credit reporting agency, nor the collection company to furnish this fraudulent account on my consumer report ; I sent a dispute to both Equifax and XXXX collection agency and it was marked as verified and accurate by Equifax but they improperly did the investigation of verifying the dispute.They never notified me { the original creditor } to get verification of accuracy.so im not understanding why the account was not removed from my consumer report. I have been in distress due to the fact that I have been getting denied for all credit related things such as apartments and credit card loans. This has brought defamation upon my character to these financial institutions resulting in XXXX  in regards to my mental health as well as my living situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
I am very upset that this account is showing up on my credit report as it does not belong to me and I am asking you to delete this account. I'm really disappointed they pushed me into this. I want it removed from my credit report as soon as possible. It's not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: American First Finance, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
american first finance keeps reporting balance of me having to owe them XXXX dollars as of XX/XX/2022. XX/XX/2022 they responded to a previous cfpb complaint that the account was paid in full with a monetary relief. now i am asking them to not only stop reporting this account but also refund me all of the money they took from me and to give me the monetary relief they promised that i never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a Home Depot credit card about a month ago. At the end of the application it said " we're going to need more information, we will contact you ''. Only that they never did, and I never got any confirmation over email either. 

I was unsure if the application didn't go through properly for some reason, so about a week ( XX/XX/2020 ) ago I tried applying again. This time it said " we're going to need more information, please contact us '' and gave a case number. So, I contacted them. They told me that my 2nd application was rejected because I already had an application open in the system. Then they said that the first application did not go through because of my XXXX  credit report. 

That was surprising, since I've been keeping on top of my credit score through a XXXX service ( using XXXX  ), and my credit score is excellent ( nearly 800 ). 

So next I went to XXXX to get my official credit reports ( XX/XX/2020 ). Two of the credit reports ( XXXX  and XXXX  ) came as expected ( I am happy to share them if they are useful here ). But the XXXX  credit report did not go through. After entering my personal information, it asked me the " identity verification questions '', but none of them had anything to do with me. So I couldn't get that report. 

I tried calling XXXX  to sort out the problem with them, but they could not help me because for some reason they can not verify my information. They suggested that I use their online system, but that didn't work either, for the same reason - I was not even able to " create an account '' on their system. 

I'm honestly not sure what the source of that problem is, or how to go about fixing it. I know that all my credit reports were fine a year ago, because we were buying a house then. So this issue must be recent.

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 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital one is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row XXXX XXXX is showing up three times as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2023 my barclay payment was processed against my checking account, I reviewed my account as I always do when its bill time. the account was positive and everything was okay. 
No other transactions were going through, the balance on account was like XXXX in there. 

Monday XX/XX/XXXX, I was at the gas station and pumped gas, not realizing I used the bofa card and not my chase card the account overdrew by XXXX so not my acct was overdrawn XXXX. I set up a transfer on Monday to go through to my bofa checking to resolved that issue. 
Today is XX/XX/XXXX, and the XXXX payment for XXXX that had already processed through is now showing being returned and the XXXX ( gas station ) charge that caused the overdraft is paid. 
I call customer service, got the texas call center that person hung up on me she didn't want to research obviously, so i called back got the XXXX call center talk to a XXXX, about XXXX XXXX  and explained to her that the XXXX payment was already paid and all weekend up until I accidentally used the wrong card my acct then showed XXXX overdrawn. I told her i had a screen shot because I don't trust banks and I know they reverse and pay thing how they want to sometimes in the past and she said to bad i needed to call XXXX and have them reprocess it. 
I asked for a team lead, I asked for a supervisor and she told me that they all were busy so i had to wait XXXX hours for a call back. 
I told her i would hold, she said I couldnt because it would be a violation for me to hold for a supervisor and I then told her that I was going to file a complaint and she began to say your rude, and I said I havent said anything rude and this call is being recorded. She hung up on me. 
Now, I have a item that had paid already on Friday, being returned and will incur a XXXX late fee on my Credit Card. 
BofA should be shut down, they are nothing more then a middle man anyways for the Treasury Dept. 

I spoke to someone at XXXX XXXX XXXX XXXX  call center Name 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 2022-03-16
Company: Aldous & Associates, PLLC
State: NY
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:
Aldous XXXX XXXX are reporting a fraudulent account on my credit. I learned of this account when my credit was hit with a negative reporting on XX/XX/20. I immediately contacted Aldous and informed them that this account is not mine, and I believe it to be fraud. I was told that the fraud investigation may take up to 90 days, and thus I opted to pay an account that wasn't mine, with a promise that the credit reporting will be adjusted. I was told the account would be fully removed from my credit. However, the account still continues to report on my credit as a paid collection. Please remove this fraud account from my credit as it is NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This is a continuation of complaint number XXXX-XXXX. 
In regards to the phone number that cash app provided, you reach only an automated system which tells you that you have to contact them through the app which only offers email and then hangs up on you. There is no way to get in touch with a person using the number provided. Cash app continues to withhold my money and not respond to any emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following account is not mine XXXX THE GENERAL IN COMPANY Account Number : XXXX*Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXXIdentity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Date opened is not accurate across all credit bureau High Credit is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2021-03-08
Company: CITIBANK, N.A.
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not having any business dealings with this company I asked them to remove several times. They were force to be removed from my XXXX file but it is still showing up on XXXX and Transunion

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