BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: SC
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 log in beginning of this month and I see an offer so I Upgrade and start moving some spend to make sure to hit the free night reward, a week later I recieve an email with the same targeted offer XXXX hilton points for the surpass, So I call help desk and they say they don't see my original web offer applied, agent tells me since I have i valid email offer and its only been a week they can just rollback my initial upgrade and I can just accept the email after a day or so to get my upgrade offer as planned after a few days the targeted email offer is not working, I call in and at first they say offers come and go but when I point out that the targeted email says valid till XXXX, the agent opens a case, on XX/XX/XXXX I call in and the agent reads from case that they will honor the upgrade offer, all I have to do is submit proof of the email and valid code, I get the docs request email, upload screenshots and am told that I will recieve a call back in a few days and as long everything is as detailed I will recieve my upgrade offer sonce i recieve no follow since the XXXX, on XX/XX/XXXX I call in and ask about my case and the agent reads off the notes that my case was actually closed as of the XXXX somehow before my last contact with Amex, with the offers team saying they are not responsible for ensuring offered promos are valid, worse yet the agent sees no notes regarding what the last agent went over or the documents submission request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MN
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2018-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
card is charged for the same amount of my payments made to pay off debt. the " return '' charges show up as purchases and capital one will not remove these fraudulent purchases. instead dropped off my account from credit bureau report and sent my account to collections..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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 explanation
Consumer complaint received 2018-11-15
Company: Navient Solutions, LLC.
State: NV
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:
I called to ask questions about the programs and was told that I had to be a student to get the information. I asked if it was a good program and the rep said that University XXXX XXXX has a contract or affiliation with the government for XXXX XXXX XXXX students. The graduation rate is over 85 %. Because I am low-income, I would not have to pay back the loan, unless I graduated with a diploma in my field. My starting salary would be over {$40000.00}. I also was told that I could cancel the contract after 30 days. The contract had to be signed that day. The contract was emailed to me at XXXX. I printed it, signed it and took it to the library to fax it. I was never able to cancel the contract. I filed a complaint against XXXX and Navient. XXXX finally sent me a copy of the contract. The contract XXXX sent had no signature, date of birth, driver 's license number and had the wrong email address. Navient had the lawsuit dismissed XX/XX/2018 for jurisdiction (? ) I couldn't really understand it. I only signed one contract, there are 7 loans. I don't know what else to do. I am still low-income and have no way to pay this loan back. I am a XXXX, on medicaid and section 8.I would like to try to make my life better but this loan is more than I can handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, through to XX/XX/2023, I initiated a substantial payment of XXXX USD through my Bank of America account to XXXX, believing it to be a legitimate cryptocurrency service provider. 
Subsequently, it was revealed that XXXX was a fraudulent entity, and I became a victim of a scam. The promised services were never provided, and my attempts to seek resolution directly with the company were met with silence and evasion.I promptly raised a dispute with Bank of America by submitting a detailed dispute letter on XX/XX/2023, outlining the circumstances surrounding the fraudulent transaction and emphasizing the urgent need for resolution. 
Unfortunately, despite the severity of the situation and the regulations in place to protect consumers, I have not received any response or acknowledgment from Bank of America since my initial complaint

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MD
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2022-09-27
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  U XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX -BK OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE XXXX : XXXX XXXX -XXXX XXXX XXXX XXXX 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 an 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 2023-12-19
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 Resurgent stated that a debt collector does not have an estimated time to validate the alleged debt that they claim I XXXX XXXX the original creditor owns. RESURGENT CAPITAL SERVICES L.P. is in violation of the FDCPA 15 USC 1692e False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX don't know if you are RESURGENT CAPITAL SERVICES L.P. or LVNV FUNDING. This also is a deceptive practice as it is misleading and a violation of the FDCPA Regulations. Debt collectors have a responsibility to operate within compliance of law otherwise 15 USC 1692k Civil Liability for willful noncompliance. The debt collection company have not acknowledged all of the questions within the debt validation letter. I XXXX XXXX have reason to believe that RESURGENT CAPITAL SERVICES/LVNV FUNDING are unable to answer all of the debt validation questions asked in the letter sent initially because it may expose the compliance of the company. As you say to consumers. Your silence is assumed. Your silence is of the acquiescence. I XXXX XXXX also want you to know that I am aware of the arbitration agreement of XXXX XXXX XXXX. If LVNV FUNDING bought the debt you are liable to be arbitrated against since you now own XXXX XXXX XXXX agreement. Arbitration will be costly for both parties, but even more costly for LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: GA
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:
I have sent numerous verifications and request for validations to Experian about an inaccurate account being reported on my credit report. The account in question is : Account # XXXX XXXX XXXX XXXX XXXX {$6400.00} Experian has continue to report factually incorrect information on my credit file regarding this account. The loan account They are reporting is identifying as an installment loan which is factually incorrect. The true account type for the type of account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately! 

I would also like monetary relief because of this inaccurate information. Due to this false information on my credit report, it has caused me to be denied for various credit products and services.

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 2023-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting unauthorized and fraudulent inquiries I do not recognize. 
Fraudulent inquiries listed : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Equifax never received any written permission or consent from me as the consumer, which is a violation of the XXXX XXXX XXXX Section 1681 b ( c ). This is a breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: IL
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:
Called Equifax on XX/XX/2022 about my score dropping 65 points from XXXX XXXX through XXXX, went from 750 to 685. I asked them the reason because on my report it had no reason. We went through my report together and both found no reason for the point drop and they said they can not fix the score. I was in the process of looking to buy a home and this happens. It is unfair that they can just drop a score by that much and have no reason behind it. 

I feel like we all work hard to have a good credit score and by doing the right thing, I feel the credit report agents Equifax should have to fix my credit score. Or be sued for such false reporting scores. we all know how a low credit score can affect rates when getting a loan. 
Im asking the CFPB to have them fix my Score or have a legit reason, and if they can not i dont believe should be in the business of reporting scores that effect everyone in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: FL
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/2022 I have purchased online an airline ticket from XXXX. The reference number is XXXX one-way flight on XX/XX/2022, from XXXX, XXXX to XXXX Florida XXXX for my son. Because of the chaos of war warnings etc. I have purchased XXXX failure insurance. In the process of paying over the phone, a XXXX Customer representative charged my Chase Credit card XXXX times the purchase price of {$950.00}. the amount of XXXX X XXXX = XXXX. I called the representative at XXXX XXXX the next day and asked them to remove XXXX of the charges, however, a few days later they did not remove them so I started a dispute with my Chase Credit Card. Eventually XXXX removed XXXX payments. Because of the war in XXXX, the flights from XXXX XXXX were cancelled and the Ticket was not used. 
I have called XXXXXXXX XXXX for the refund, however, they did not want to talk to me because ongoing Chase dispute. I have contacted Chase dispute service several times and they promised to resolve this issue. After multiple phone calls, faxing from their branch and emailing them documents they did not resolve the issue and enable me to talk to XXXX XXXX to get a refund. On XX/XX/2022, I have contacted the Chase dispute team and they made another promise to resolve the dispute, but today XXXX it was not resolved. Almost a year passed and I have left with an empty promise, a bill and without a ticket for my son to fly from XXXX and money to purchase another ticket. Please help because the Chase Credit card dispute department does not take my case seriously or is careless. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Maximus Education, LLC dba Aidvantage
State: VA
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:
All my student loans have been paid off in full since XXXX but my credit report still reflects a balance over {$330000.00}! I have disputed this several times and it is not getting fixed. I can not close on a house or get any other loans bc my debt to income ratio is too high with this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
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:
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** Account Name : XXXX XXXX Account Number:XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX** has violated my rights. Or list of inquiries 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 explanation