BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-06
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 applied XXXX AMEX credit card beginning of XX/XX/2018, but the application was rejected because I had two new AMEX credit card within 90 days. After passing 90 days, I applied XXXX AMEX credit card on XXXX, XX/XX/2018 and the application was approved. Before applying the credit card, I checked multiple times whether I am eligible for welcome bonus of the XXXX AMEX card. I checked it over the phone and chat service. The AMEX told me that " yes, you are eligible for the welcome off ''. After the card was delivered, in order to make it clear before completing required spending for the welcome bonus, I wanted to check whether I am eligible for the welcome bonus of the XXXX AMEX, so I called to AMEX. They told me that " No, you are not eligible for the welcome bonus and it might be due to system error. We will fix it within 3~4 weeks ''. I chatted withe them after the 3~4 weeks, they told me that " You are not eligible for the welcome bonus because you mis-used welcome bonus ''. They are changing their words. Please fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Millco Management
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:
I have no idea what these two collection items are for. I pay my bills and I have never even been late. I tried calling and no one will tell me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have four private student loans in total that were handled by AES and owned by NCT. Two of the four loans have been given to XXXX from AES. The AES Account Number for my loans is Account # XXXX. The XXXX Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that NCT owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from NCT so I can have the binding documents that my loan is in fact still intact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is falsely reporting to the credit bureau that my payments are late when they have been on time and most of the time early.

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 2018-10-06
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ms. XXXX XXXX of Movement Mortgage kept sending my wife 's and my sensitive and personal information in CLEARTEXT over the Internet. When we asked her to stop sending our sensitive information in cleartext over the Internet, THAT'S when she then informed us that Movement Mortgage wasn't going to provide us with a mortgage pre-approval. We were ok with that. However, we were not ok with Movement Mortgage keeping our sensitive information in light of their poor custodial management of our information. We asked Ms. XXXX to please delete any and all information ( including emptying her email " trash can '' of any correspondences with our sensitive information and to delete any and all of our sensitive information from their servers. Ms. XXXX claims to have deleted all the emails. However, she then told us that Movement Mortgage was required to keep our sensitive information ( per CFPB regulations ) in case they are ever audited. When we asked her to provide us with the regulations, she was unable to. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 closed my credit card account on XX/XX/XXXX. In this card, i had XXXX $ of cash rewards. Today i checked my cash rewards balance to claim that money and i've seen that the money expired on XX/XX/XXXX with a note " ADVERSE CONDITION EXPIRATION '' I called the bank and they said there's nothing i can do about it because it expires in 3 months after i close the account. I told them i did not know it and not warned before and they said it was written on the web page that i closed the account. 

I did not see that warning and probably it was something hard to see. Also, i did not get any email that warned me about my rewards that are about to expire. It was a money i earned and they basically stole it like this. I've read many legal cases and i'm pretty sure judge will be on my side as this kind of a forfeiture should be with explicit consent and making customer select a button or checkbox with a clear warning and follow up reminders. Because it's a bold action to grab a customer 's XXXX dollars worth of money just like this. 

I'd like to ask for your help to correct this unfair situation that i'm victimized.

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 2020-06-13
Company: EQUIFAX, INC.
State: TX
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 had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Contacted XXXX and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete XXXX refuses to remove all old addresses phone numbers from my consumer 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 non-monetary relief
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I loaded money on a prepaid card at XXXX by the time I got home the money was gone I called about it then while waiting on a email I went to same XXXX and unloaded more to a serve card that was taken I did not authorize no company to take my money it was a scam company that took my money I dont know the company and never gave permission for my money to be removed didnt give me time to set up a account befor my money was gone. I would my money back and a better investigation on this issue I want my money back for unauthorized transactions.. from these two prepaid cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXXS Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX T

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 2019-06-26
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IsentacertifieddebtvalidationlettertoResurgentCapitalServices(LVNVFundingLLC)onXX/XX/2019.ItwasdeliveredonXX/XX/2019.IreceivedaletterfromResurgentonXX/XX/2019.Ireceivedthedocumentattached.Thereisnoagreementwiththecreditortoauthorizethemtocollectthisallegeddebt.ThereisnobearingofmysignaturestatingthatIhaveassumedthisdebt.Therearenovalidcopesofthedebtagreementstatingtheamountofthedebtandinterestcharges.Noproofthatthestatuteoflimitationsexpired.Nopaymenthistory.Aswellasnolicensenumbertoshowthattheyareregisteredagents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received no notice from MBA Law regarding a medical debt that accrued in XX/XX/XXXX, nor did I receive any notice from XXXX XXXX where this supposedly originated from. I did not receive a single phone call nor did I receive a single notice in the mail or anything electronically. I check my credit report frequently, and recently there was a collections account placed with MBA Law stating that I owe {$1000.00}. To my knowledge, this debt was settled in full in XX/XX/XXXX - I have proof of payment. I have contacted MBA Law 5 times, asking that a representative with their company contact me regarding this matter and to provide proof that this debt is in fact owed. I have not received one response from MBA other than them finally sending me a PDF that overviews the debt. I have asked several times for further proof and if it is in fact mine I will then negotiate. I want this removed from credit report immediately as it has negatively impacted my score. I have yet to receive a response. I have attached the original notice of Debt from XXXX XXXX services that outline the debts accrued from XXXX from two separate visits in XX/XX/XXXX. I have also included the proof of payment after a negotiation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX. ) My XXXX XXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still 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 2023-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IL
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:
Credit bureaus are illegally destroying 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 2022-06-15
Company: EQUIFAX, 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 XXXX XXXX CARD SERVICES Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was at work Monday XX/XX/2023 and my phone started sending repeated notifications of withdrawals from my checking account from a company called SoLo Funds. I knew this wasnt me doing this as I was at work so I called my bank Chime which I found out isnt actually a bank they told me but a financial services company which I did not know as I have a checking savings and credit card through them. My account was debited 4 different transactions {$300.00}, {$100.00}, {$100.00}, {$150.00}. While I was on the phone with them they said it was my debit card which was with me at work so it had been compromised somehow. Card was canceled and while I was on the phone with them a {$500.00} transaction was declined as I had moved what little money I had left to my savings just in case. I tried calling SoLo Funds but the number given on my transactions list on my account didnt have enough phone numbers so I immediately knew it was a scam. They only have chat support so I got ahold of them and they said I would need to send a picture of myself holding my Drivers License and Debit Card to prove my identity. No way I told them I didnt know who they were I hadnt initiated these transactions and this sounded like a scam trying to steal my identity. Only company that would ask something like that would be the IRS. Chime just denied my dispute and I dont know why! {$650.00} is ALOT of money to me! My car payment is going to bounce and I may lose my car over this company stealing my money and for some reason Chime allowing them to. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX cashier pushed me to open a credit card. But never gave me a physical card or phone number on how to pay off the card. No guidance on how to set up the account. They called on time for a payment and thought they 'll just call me to collect. But the second purchase I made they did n't call until it was too late

Company response to consumer: Closed with non-monetary relief