BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
While vacationing in Florida with my son, we were approached at XXXX XXXX but a representative of American Express named XXXX. He was trying to sign people up for Amex Blue Cash cards. I told him I used to have one and that I already had a Delta Gold Amex card. He said I was still eligible for all the offers that day, including Free Fast Pass, 0 % introductory APR and {$100.00} welcome bonus upon spending {$1000.00}. They even printed the card right then and there to use. They also printed the terms and conditions. Because I was walking into the theme park they even offered to shred the terms and conditions because it had my info on it. When I messaged Amex to find out when the credit was to be applied they told me I wasn't eligible. After waiting 9 wks for an " investigation '' I was told I should have read the terms AFTER getting my card and that there was nothing they could do. I am owed the {$100.00} statement credit. Their employee misrepresented the offer, most likely in an effort to receive his commission. Amex fraudulently represented themselves in order to obtain my business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
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:
There is a medical account listed on my credit report that do not belong to me, however, no medical debt should be on anyone 's credit report due to PII information which is a federal violation. Please remove that collection in it's entirety as this is hindering me from obtaining property via credit. Lastly, there are a few inquiries that I did not authorize ( XXXX XXXX, and XXXX ). Please remove them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: MRS BPO, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
company continues to pursuit a debt that was discharged in bankruptcy court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
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 have made several fair an honest attempts to get Equifax to erase these unathorized inquires and update my personal address info to no avail. I have always included copies of my utility bills, drivers license, passport, and or other pertinent info that CLEARLY identifies me. 

Equifax continues to respond to my complaints by saying that inquiries are factual matters. There have been NO investigations into the accuracy of these inquiries. Neither have Equifax updated my correct address info to remove an apartment number that is not mine. 

I have stated that there is no apartment number, but they continue to report this. 

I have stated that the listed inquiries were not authorized in anyway by me, and they are saying inquires are factual data. They do not list how they verified this to be accurate and have not offered a resolution. 

I am attaching my THIRD letter to them that i wrote today and have mailed out for further help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on 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 non-monetary relief
Consumer complaint received 2018-11-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with ( Original Creditor : ) XXXX  They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: EDvantage LLC
State: FL
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 attended XXXX XXXX and not XXXX XXXX. 

Me and my husband XXXX XXXX both attended this college together in the same batch, and we both have identical problems with our student loan. 

I have been given XXXX balance statement by my college, than why is this collection agency calling me? 

They have told me it will spoil my credit report too. 

There is some thing wrong with this college and financial aid department. 

When I joined the college my loan was with Tuition Options, in between it got changed to XXXX XXXX, I did not make the change. I do not know who did that. 

Than after I was given XXXX balance statement, copy attached, than I get threat calls. 
Last call was from FCC headquarter Person name XXXX called, from phone no XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EST I am suffering. 

Can you please help? 

I was told while signup Every student gets 6 months to start to replay his/ her loan after course completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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:
I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
PURSUINT TO LAW 15 U.S.C 1681 et seq. It's Statutes and it's Amendments - TRANSUNION, XXXX  AND XXXX   COMMITTED FRAUD AGAINST MYSELF AND THE FEDERAL GOVERNMENT IN THAT THEY WILLINGLY CONSPIRED TOGETHER TO ; # 1. ILLEGALLY REFUSE TO ADD MY STATEMENT OF DISPUTE, 1st ATTEMPT, TO THE NEGATIVE ACCOUNT FOR WHICH THE FIRST STATEMENT OF DISPUTE WAS INTENDED FOR. ( Statement of Dispute- mailed via USPS on XX/XX/XXXX. Action taken by TransUnion, XXXX and XXXX  Credit Bureaus- No Action Taken. ) # 2.  ILLEGALLY DELAYING XXXX MONTHS, ( XX/XX/XXXX - XX/XX/XXXX ), TO ADD 2nd STATEMENT OF DISPUTE TO NEGATIVE ACCOUNT FOR WHICH THE PERSONAL STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion, XXXX and XXXX found on XX/XX/XXXX ; Criminal Conduct- Elimination of all Accounts in Good Standing in Retaliation for pressure to add Statement of Dispute- 2nd Attempt sent XX/XX/XXXX to negative account for which the Statement of Dispute was intended for. ) # 3. TRANSUNION, XXXX  AND XXXX ILLEGALLY DELETED ALL ACCOUNTS IN GOOD STANDING FROM MY CREDIT HISTORY IN LIEU OF ADDING MY PERSONAL STATEMENT OF DISPUTE TO A NEGATIVE ACCOUNT FOR WHICH THE STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion per my call to them in XXXX on XX/XX/XXXX ; Attempting at present to cover their criminal conduct, against myself and the Federal Government, by deleting both my Personal Statement of Dispute and the Negative Account for which the Personal Statement of Dispute was intended for. TransUnion also stated to me in response to a written average dispute that I submitted to all 3 of the afore mentioned Credit Bureaus in XX/XX/XXXX that the Negative Account spoken of above, which is " XXXX XXXX XXXX '', and the collection agency, " XXXX XXXX XXXX '' who purchased the charged off negative account of XXXX XXXX XXXX are owned by the same people and hence could not be removed, even though the negative account by XXXX XXXX XXXX is an Unknown Creditor and was disputed as such per my legal right. - Action taken by XXXX ; Attempting at present to conceal their criminal conduct by having deleted my Personal Statement of Dispute from the Negative Account that it was previously attached to and by showing only XXXX Accounts of many previously in Good Standing and showing those XXXX Accounts as closed. - Actions taken by XXXX  ; Unknown at present. )

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 2018-07-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I am trying to use the Cell Phone protection benefits on my cards. I have submitted the required form and all documents to the company ( Wells Fargo ) via email twice, and have not received any status updates despite continued efforts to contact them. I called them and was told they would be in touch with me but they never got back in touch with me. This has been ongoing for several weeks. The claim was initiated on XX/XX/2018 and I last heard from them on XXXX XX/XX/2018. The amount is {$600.00}, the maximum amount covered in this insurance.

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 2018-07-22
Company: BCB Investments LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX I HAVE NEVER EVER RESIDED, IN ANY OF THEIR PROPERTIES, THIS IS CAUSING MAJOR, DAMAGE, I HAVE TRIED TO REACH OUT TO THEM, THEY HAVE SENT ME PAPER WORK, THAT IS NOT MY SIGNATURE, MY HOME WAS BROKEN INTO, IN XX/XX/2010, I lived in assisted living, XXXX charities, Building, my income was {$720.00} a month, I do not know location of said property I do not know address, This debt is fraud, I have explained that to them they stated the would take my XXXX checks, I am XXXX XXXX Veteran, in a XXXX XXXX suffering from XXXX, AND XXXX, PLEASE HELP, they call and say XXXX XXXX you owe us XXXX I told them do not call anymore, they told me they have the right to call for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an auto payment with Honda Financial Services. I am not late. I have never been late. I have a 15 day window to make a payment after the due date and utilize this occasionally. I always pay before the 15 day window. I scheduled a payment with a representative for my XX/XX/XXXX payment to be paid ( withdrawn from my bank acct ) on XX/XX/XXXX which is within my window. I have received XXXX calls since XX/XX/XXXX. XXXX phone calls just today. It is harassing and I've asked HFS to stop this. I can not sit on hold upwards of 20 minutes over and over again. I am thoroughly disgusted. I would appreciate any assistance with putting an end to this constant unwarranted harassment. All they have to do is check and will see my payment is scheduled. This is every month for 2 years. I can provide a copy of my credit report as proof I've never once been late paying this account. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22
Company: Innovis
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 status incorrect

Complaint:
Innovis credit bureau is listing 2 XXXX XXXX accounts from XXXX XXXX on my Innovis credit report. 

XXXX XXXX  transferred my original XXXX XXXX account opened XX/XX/XXXX, to another office, without my consent. After the transfer, XXXX opened a new XXXX XXXX account, without my consent, in XXXX of XXXX, and closed the original XXXX XXXX account # XXXX, without my consent. 

I should only have the original # XXXX XXXX XXXX account opened on XX/XX/XXXX showing on my Innovis credit report. The 2nd account is considered an unauthorized duplicate account, under the terms of the Fair Credit Reporting Act, passed by Congress, and must be deleted from my Innovis credit report. The FCRA is very strict in its rules on reporting accounts that were transferred. There can be no duplicate accounts listed on a consumer 's credit file, if the transfer was done without the consumer 's express written consent. In this case, there was no express written authorization submitted by me, to ever have my account transferred to another office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
Dear bank of America after reviewing my credit file on all three of the reporting agencies I know you have charged off account XXXX and you are no longer the Owner of this account. But you left some major FCRA Violation on the credit report. and you could be sued for {$1000.00} on each of the reporting agencies for this violation! you are reporting late payment on a charged off account per the FCRA this CAN NOT Report like this so I asked for you to delete this entire account from all three of the reporting agencies immediately!

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 2018-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I have two credit card accounts that are open, current, and in good standing with XXXX XXXX XXXX XXXX. 

Neither one of these accounts is listed on my XXXX XXXX credit report. 

I have contacted both Capital One and XXXX XXXX to have this problem fixed, in writing, but with no results. 

I need to have both of these Mastercard Quicksilver credit card accounts to be listed on my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX. 

LoanCare I was approved, as a XXXX veteran, for homestead exemption. in XX/XX/2018. I was told by the XXXX County Property Appraiser office, that they do not notify the mortgage companies, since, everything is done on line, the mortgage companies, can get the information on line, or call the XXXX County office. 

Since the date I was approved, I have called, and notified the mortgage company, on numerous occasions, that I was approved for this deduction. Everytime I called, I was told that it needed, to go to the tax department. I talked to the tax department on four ( 4 ) different occasions, and was told, that it would be escalated, to be taken care of. 

On XX/XX/XXXX, I was told that, I needed to provide proof of the homestead exemption. I sent a copy of the exemption letter to them, and it has still not been resolved. 

Another matter is that on XX/XX/XXXX, I submitted a house payment, when two ( 2 ) days later it did not show up in pending payments, I assumed, I had not correctly submitted the payment, so I submitted a payment again. On the XX/XX/XXXX, it showed as a payment pending, I spoke to a representative who assured me that the payment submitted for XX/XX/XXXX would not go through. On XX/XX/XXXX a payment was submitted to my checking account which charged me XXXX, I called the customer service department again, and was told that they could not stop payment. 

I was told that, even though, I called on XX/XX/XXXX, they would not stop payment. So I was charged twice ( 2 ) by XXXX {$29.00} for non sufficient funds, and I received a notice on, XX/XX/XXXX, from  the mortgage company, for {$49.00} return check fee.

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 2018-07-22
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, never notified me, emailed me, I have frozen my credit reports due, to losing my wallet, and a home invasion years ago, I have never had XXXX..as I use a antenna, with aluminum foil on the ends. I researched this company and saw, they have been known to just give a Bill 3 weeks ago they began calling, me threatening to take my XXXX check, I told the lady, on the phone. I didnt know who she was or the company, at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a couple collections on my report I did not authorize

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 2020-07-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was trying to pay off my target store card in full and each time I make a payment its gets put on hold for unknown days???!! And I called TD bank target to see why and they told me I made too many payments so I can avoid being charged a late fee and interests if they continue to do this I will closed my account and I also dont have time to be on the phone and have them call my bank and I never had any payment returned and I just want some peace and go about my day and being on the phone with TD target to get a payment clear is huge waste of my time and money .... its its weird that I havent gotten a credit line increase and Ive been getting a bogus response on that one to and that a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Upgrade, Inc.
State: CA
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 took out a personal loan from Up Grade, Inc. i paid it off 3 years early and closed account last year, yet they continue to falsely report i have a open account with a massive balance all FALSE AND FRAUD, today when i spoke to a service XXXX she admitted they are trained to mislead, delay, make false statements, as if customers like me pay off early the company loses % % % funds. 

She admitted they have been lying and filing false information to all the credit reporting agencies. I have complained to them several times and was told i need to file with your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chex Systems have me on my Credit Files on 3 credit Bureaus as owing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I do n't have nothing owed to them. These accounts was cleared up back in XXXX & XXXX of XXXX and my bank informed me it was showing as a debt owed and there is not one owed. 

I have call them and got the run around they was mailing me something to this matter and there is no real answer from Chex systems

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