BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a prom on XXXX if I spend {$800.00} on grogery, restaurant and gas I would get {$90.00} back each month for XXXX, XXXX, and XXXX. I was suppose to get it each month I spent that amount. I did not get it in XXXX or XXXX. I called XX/XX/XXXX the rep assured me the credit would be placed XX/XX/XXXX I did get my XXXX credit of {$90.00} but not my other {$180.00} so I called again and spoke to a supervisor he said that the request was put in and I would get the credit I waited and never got the credit. I called again and spoke to another supervisor and she told me the request was never submitted but assured me that she did it and I should have the credit by XX/XX/XXXX I never got as of XX/XX/XXXX she gave me a {$50.00} credit for all the trouble and interest I have paid over the last three month but I still out this {$180.00}. The company contines to try and get out of these promo they offer and needs to be looked into.

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 monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: VT
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:
XXXX XXXX XXXX continues to list a debt incorrectly as follows : XXXX XXXX  XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Account number-XXXX Date opened, XX/XX/XXXX, Account type- Debt Buyer Status-Collection account. {$2300.00} past due as of XXXX XXXX. 
Status updated-XXXX XXXX Payment summaryXXXX shows balance of {$2300.00} with current month delinquent. 

XXXX made a complaint to Experian including uploading the bankruptcy discharge documents. Result is this debt remains incorrectly listed as " current delinquent account. '' There should be no " Amount due '' and this item should not be reported as a current delinquency. 
This debt should only be listed as " Discharged in bankrupcy 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 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXXXXXX XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice

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 2020-08-01
Company: EQUIFAX, INC.
State: NE
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:
The credit bureau is reporting a closed account from XXXX XXXX XXXX XXXX on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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 work at XXXXXXXX XXXX XXXXXXXX XXXX, a global professional services firm, partnered with American Express in the United States for all corporate credit cards. I hold an American Express corporate credit card with XXXXXXXX XXXX XXXXXXXX XXXX. I logged into my corporate American Express account on XX/XX/2022 to pay my bill, and I saw an exclusive offer for corporate card holders to apply for a personal American Express card. The exclusive offer noted that I will receive a " {$150.00} recurring statement credit on your XXXX XXXX account after approval, and every year at renewal when you maintain the same XXXX XXXX account ''. I entered my corporate card details to confirm my eligibility ( refer to screenshot # XXXX ). I then applied for the XXXX XXXX through the link provided on the offer page, which again clearly stated the {$150.00} statement credit after approval, and every year at renewal. In addition to the statement credit, the offer included XXXX membership rewards points after spending {$6000.00} within the first 6 months ( which I did receive ). You can also note that the normal offer to non-corporate card holders applying through the regular channel was only XXXX membership rewards points at that time. If I didn't sign up via the promotional link, then why would I have gotten the XXXX points as opposed to the XXXX that was being offered to regular customers. Once I entered my corporate card number and followed the " View my offers '' link in Screenshot # XXXX, I was forwarded to the page where I clicked " Apply Now ''. You can see the same offer was made on this page in XXXX # XXXX. Unfortunately, screenshot # XXXX does not show the " Apply Now '' link that I clicked on, so I have included Screenshot # XXXX to show how the " Apply Now '' link was shown ( Screenshot # XXXX shows the offer for the American Express Gold card, but I applied for the Platinum Card ). Luckily, I took these screenshots because I was showing my friend the two different offers ( Platinum or Gold card ) and I wanted my friend 's advice on which card to get. Finally after submitting my application, I was brought to the page which stated I was approved for the Platinum card ( screenshot # XXXX ). You can see in the website address bar that the URL included " XXXX '' and " XXXX '' - evidence that I signed up via the corporate offer link for the XXXX card. I have called American Express and they have investigated the matter 3 times. Each time they have closed the investigation saying that there was no error on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: TX
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. 

1. XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX, OH XXXX 2. Dept of EDXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 3. XXXX XXXX  XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 or crimes which antedates the report by more than 7 years.

15 USC 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 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XXXX XXXX. XXXX companies ran my credit without my authorization. 

CAPITAL ONE AUTO XXXX XXXX XXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company 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 payment on a credit card account under an open end consumer credit plan as late purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: TN
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 got these negative items from unknown companies to show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Diverse Funding Associates LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items 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 remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; USDOEXXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} ; US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT XXXX XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 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 2023-07-29
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Paid a huge amount XXXX for XXXX Company didnt help fix my credit just collected money ( XXXX ) total Company name Global

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I am writing to file a complaint against OneMain Financial for engaging in unfair and deceptive acts, illegal repossession, wrongful repossession, failure to state the borrower 's right to redeem the vehicle, failure to inform the debtor of the intended method of disposition, redemption rights, and fees which resulted in an inaccurate redemption amount. OneMain Financial violated the Uniform Commercial Code ( UCC ) by not returning remittance coupons, which they claimed they did not process or know how to process. Additionally, OneMain Financial is guilty of usury in violation of Georgia code. 

I spoke with XXXX XXXX in the repossession department who failed to send proper notice, which resulted in the illegal repossession of my vehicle. OneMain Financial did not provide me with any information about my right to redeem the vehicle or the fees associated with the redemption process, which resulted in an inaccurate redemption amount. Furthermore, OneMain Financial failed to state the intended method of disposition, and as a result, I was not able to make an informed decision about the redemption process. 

OneMain Financial 's actions were unfair and deceptive and have caused me significant harm. I am demanding that my vehicle be returned to me immediately. If my vehicle is not returned by XX/XX/2023, I will be forced to file a class-action lawsuit against OneMain Financial for engaging in illegal and unethical practices. 

Furthermore, I want to bring to your attention that OneMain Financial is guilty of usury, a violation of Georgia XXXX. They charged me an exorbitant amount of interest on my loan, which is illegal under Georgia law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate OneMain Financial 's practices and take appropriate action to prevent them from engaging in these types of unfair and deceptive practices in the future. I also ask that the CFPB investigate OneMain Financial 's usurious practices. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: WELLS FARGO & COMPANY
State: AZ
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:
We have been Wells Fargo customers for 20 years. We discovered approximately {$8000.00} in charges we did not make. We filed 3 fraud cases only to be told by their computer algorithm that it was consistent with our spending. It is not. We are happy to pay for what we owe but not those charges. Now, they are suing us. They are ruining our lives.

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 2023-07-23
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, I went to ER room, and it charged me {$520.00} for the medical check. My insurance company paid {$190.00}, I paid cash {$150.00} and {$150.00} from credit card, and discounted {$27.00}. I have already paid all the money that has no balance left, but I just received a mail from phoenix financial services, showing that I have a debt, with a wrong account number and wrong amount, but with my name on it correctly and told me I need to pay my debt. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Upgrade, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX  {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 I noticed three very large charges on my XXXX XXXX XXXX XXXX Upgrade Checking Account that I didnt make. As a former and current victim of identity theft I obviously became very alarmed. I notified Upgrade and went through the dispute process. I was informed the money for the large charges would be back in my account within 10 days. I let XXXX XXXX XXXX know that Id been a victim of identity theft recently with someone attempting to file a federal income return in my name, as well as apply for a boat and numerous payday loans, and credit cards. Also, my credit monitoring emailed and let me know my information had recently been comprised on the dark web. 

I tried to get in touch with this XXXX. And the only one I could find was one that didnt have a phone number and had many class-action lawsuits filed against them. 

I finally received a letter from XXXX XXXXXXXX XXXX saying my dispute was denied. I was shocked and very upset. I called and they said the reason was whoever made the charge had some of my personal information. I again explained my identity theft situation but it fell on deaf ears. They were very cold and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/22 I applied for a capital one quiksilver credit card. There was a deal for if you spent {$500.00} in 3 months you get {$250.00} back. I applied. They did a bait and switch and offered me a {$5000.00} card that was exactly the same but without the cash back deal. Here 's a list of why I was denied, they also replied with I have a XXXX credit score which is untrue based on XXXXXXXX XXXX and XXXX website for credit check I'm around XXXX. Why offer me the same card, run a hard check and not give me the cash back deal and supply these reasons. I turned down the {$5000.00} card. 

: Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history Based on your credit report from one or more of the agencies on the back of this letter, there are too many new revolving accounts Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: IN
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. Account Name : XXXX XXXX Account number : 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 seven 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 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