BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: AMERICAN EXPRESS COMPANY
State: IL
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 was a member with American Express Gold rewards premier card for the last 2 years and today I was told through a chat conversation that my Card can be upgraded to American Express 'Platinum ' card and with an additional bonus of XXXX points for {$5000.00} in 90 days ( If i spend ). When i called back after 24 hours to confirm the offer, the completely denied the claim and said they need to do an investigation. I said to pull up the chat conversation and they said their system is temporarily unavailable and call back in another 2 days. They said the investigation take around 6-8 week.s I feel like this is totally unfair to me and American express should honor what they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: HI
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 have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had setup a payment plan for 3 final payments, after that my debit card info was compromised, this happened in the 2 week of XXXX, about 2 weeks later I got a new debit card, and I received and email on XX/XX/XXXX about making my payment on the XXXX of {$7.00} ... before I could update the account they charged it off without warning. 

I even had to reset my password to even login. 

I will be calling them tomorrow XX/XX/19 and raising absolute XXXX, I will record the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is alarming that despite my genuine concerns and efforts to rectify inaccuracies resulting from identity theft, your bureau has failed to address my disputes effectively. The accounts in question are causing significant distress and have the potential to adversely affect my financial well-being. I have diligently followed the necessary procedures to dispute these accounts, and I have seen positive responses from other credit bureaus. I am now at a loss to understand why your bureau persists in denying my legitimate claims. The repeated denials not only defy the Fair Credit Reporting Act ( FCRA ) but also indicate a disregard for the rights and well-being of consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-27
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I applied for a loan extension with OneMain Financial. I filled out the application online and submitted all the necessary documents and IDs. 
It was too late in the day to get an approval so the gentleman asked me to call him on Monday. 

When I called I asked him about the loan and he stated that the loan was approved. 
He stated that he wanted to see if he could get me more money. 
So he said that he would call me back in an hour. 
I asked him again about whether the loan was approved and he said yes. 
When he called back he stated the initial loan request and the additional funds were declined after he told me the loan was approved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: MD
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 sent Experian a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but them stating that the account was verified as accurate again. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have my identity theft report, Identification ( credit card ), and letter stating the invalid accounts that are illegally reporting to my consumer file. I never created the transaction for authorization to report any such accounts to my consumer file, and they are a result of identity theft. Ive also included the certified mailing numbers on this formal 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 2023-03-27
Company: EQUIFAX, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: NCC Business Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I had moved from XXXX XXXX Apartments inXX/XX/2016I had preformed all necessary checks with the front office to ensure I left the property in good condition prior to moving. Due to the harassment, and quite frankly, discrimination from the front office they elected to attempt to bill me further for services that were not warranted nor rendered. This debt is invalid and not owed by myself. I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX, WA XXXX Former XX/XX/XXXX I did not live here in 2015 in fact I still lived at XXXX XXXX XXXX XXXX. XXXX XXXX Wa, XXXX XXXX XXXX XXXX XXXX Current Currently the XXXX at XXXX XXXX XXXX   XXXX  XXXX WA Account Number Account Status PAYS_AS_AGREED Available Credit {$2200.00} Reported Balance {$1100.00} Debt-to-Credit Ratio 54 % This is a duplicate account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2013, XXXX days before the DOJ announced its landmark $ XXXX settlement of the Chase XXXX Lawsuit, JPMorgan Chase Bank, N. A., outsourced the servicing rights to hundreds, ( and possibly XXXX ) of DOJ-designated " Toxic Mortgage '' loans, originated by the Chase-Direct Non-Prime Lending Center. The net-effect of this clandestine " Eleventh-Hour Maneuver, '' was that these newly-outsourced " Toxic Mortgages '' ; including Mortgage Numbers : XXXX, contained in RMBS : JPMAC XXXX, were then ineligible to receive consumer relief under the $ XXXX Consumer Relief Provision, of the $ XXXX Chase XXXX Settlement with the DOJ. The net financial benefits of this fortuitous outsourcing maneuver to JPMorgan Chase Bank, N. A., is  unknown ; however, the end-result was that it allowed the defendant in this lawsuit, to designate the lien-holders to which this $ XXXX " restitution '' was to be given. This unprecedented act of the DOJ to allow the defendant of a lawsuit, to designate who the recipients of the monetary damages awarded, is like " allow the Fox to Guard the Hen-House '' ; however, even now, XXXX years later, no federal fair XXXX XXXX XXXX has registered a single-comment on behalf of the mostly XXXX Americans lien holders of the tens of thousands of Chase-originated " Toxic Mortgages ; and it is clear, that this is been interpreted " as a blanket-vote of approval by these agencies regarding this XXXX of justice to these XXXX American Lien-Holders ''. To emphasis this point : It appears that some form of bail-out, restitution, relief or other form of compensation has been offered to corporations and consumers adversely affected by the " criminal, felonious acts of major financial services institutions and National Banks during this period of sheer madness during the past decade ; however, economic indicators, in particular : home ownership rates for XXXX American consumers, have not recovered, and frankly, may never recovered to the levels which existed before the real estate collapse of XXXX. When JPMorgan Chase and Company were named the " XXXX '' of the XXXX consumer relief that was assessed by the DOJ, they had a unique to " right some of the wrongs '' done by them with no additional fines or levies ; however, they chose to do just the opposite by conspiring with its business partner XXXX to deprive lien-holders of Chase-originated " Toxic Mortgages '' with the consumer relief that they deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX CHILD XXXX XXXX Balance : {$6200.00} XXXX CHILD SU XXXX Balance : {$5700.00}.

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 2018-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My tenant has been using XXXX to transfer funds from her XXXX XXXX account to my Bank of America account since XX/XX/2017 without a hitch. The funds have been transferred within minutes as per the marketing claims, until last month. Suddenly, whenever she transfers the rent money the funds are being delayed. I called Bank of American about this last month and the guy said it sometimes takes up to XXXX hours for a transfer from another bank to go through. Then, almost as soon as I got off the call, my money was released into my account. 
They held the rent transfer again this month. When I tweeted BofA_Help about it they didnt respond, so I called this morning. Today, they said it takes one to three days for transfers from another bank. I informed them that I checked both their web site and XXXX and they both say the same thing. Transfers from new registrants may take one to three business days. I asked for an explanation as to why only these transactions are being held and they couldn't give one. There has been no change in the tenants bank so she did not have to re-register for XXXX and there is no reason for them to withhold my funds. 
For the record, other transactions from this same person have gone through without a problem within the last two weeks. Also, I have no problems receiving funds via XXXX from people who bank at XXXX or other banks. All of those transactions have gone through without a problem so their foolishness about transfers from other banks taking one to three days is absolutely not true.

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 2023-03-27
Company: Convergent Resources, Inc.
State: VA
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:
Pursuant to 18 USC 8, I owe no debt, These companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX convergent outsourcing ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 2019-02-15
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX and 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 2021-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 got these accounts that does not belong to me and i want it to be remove from the three credit report agencies. 

1. Identity Theft BANKAMERICA Account XXXX : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine.

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 2021-01-26
Company: Ingo Money, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I have the debit card XXXX XXXXXXXX XXXX debit card. I deposit my weekly job pay check in that card every week for 3 weeks, because I'm new in XXXX are and not have bank account until now. also this pass week " Friday XX/XX/2021 I Deposit my paycheck. The company the XXXX XXXX XXXX XXXX using INGO company for cash check. After I did all the step they talk me to write VOID in my check and sent a pic. They cash it already with the bank. But I still no relied my money. I call every day, they talk me something different every time I called. This is unjust that in the situation we are this company play with my money. company name : Ingo Money Customer Service. Ingo Meny Inc. XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX. Phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: NJ
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 ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX. I received a payment from XXXX XXXX to complete art work in his XXXX home. I received notification that there was an issue with one of the payments. I contacted XXXX XXXX who contacted his bank and stated that there was no issue with the payment received. I spoke with the security department at Navy Federal and was informed that the accounts would be closed. Its now XX/XX/XXXX and the accounts are still open. Ive contacted XXXX XXXX a number of times to close the account and Ive constantly received the run around. I would like any accounts that are currently open closed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 3 separate verification letters to Midland credit management asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.

Company response to consumer: Closed with non-monetary relief