BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hi CFPB! 

First, very much appreciate you and other pro-consumer organizations. Without you, we'd be powerless ( absent expensive and time-intensive class actions ) to uphold our rights as consumers and Americans. Thank you Next, XXXX XXXX and American Express claimed when I was purchasing a ticket on XXXX that I would " instantly qualify '' for a new American Express credit card, and that when I did, I would receive {$200.00} in credit for a purchase from XXXX within 90 days, which of course happened to include my current purchase, among other benefits. Needless to say, I elected to apply, waited for a few moments, and then was told that I would need to wait weeks for them to process my credit card application. 

But wait. I had agreed to apply to an " instant qualification '', not to a lengthy process. Indeed, the offer was enticing exactly because I happened to be buying a XXXX XXXX ticket at that moment. It also so happens that to obtain some of the other benefits of using a XXXX card, i.e. free checked bags, I have to use that card when making the purchase. Since apparently I did not qualify for instant qualification, I of course could not use that benefit. I don't have any interest in buying a new XXXX ticket in the next 90 days ( and, of course, I didn't receive the actual card until XX/XX/XXXX, and since they say they issued it XX/XX/XXXX, I only have 60 days ), and apparently I will no longer be able to get the benefits of being a XXXX card holder for the ticket I did purchase. 

To make matters worse, in the mail in the interim, I received a MUCH better offer from XXXX, including XXXX miles and {$50.00} statement credit. When I called XXXX to explain that they were dishonest in their advertising, that I did not consent to apply once my " instant offer '' was apparently rejected, that I would not have applied had I known my instant application would be rejected, and that I subsequently received a better offer that I would have applied for, I was told, in effect, 'tough luck '. Apparently, I am no longer eligible for any offers from XXXX/American Express, because I " chose '' to apply for an offer based on false advertising that I didn't want. 

Finally, it so happens that I have excellent credit -- American Express reported that my FICO score from XXXX was XXXX. I thus rightly expected that if anyone were to receive " Instant Qualification or Approval '', I would. Similarly, if someone who has excellent scores does not receive approval, who does? What consumers of people actually get approved? Apparently, nearly 80 % of the country has credit scores 799 and below. If none of those people would qualify, it seems clear to me that advertising " instant approval '' to all consumers is clearly misleading and false advertising, absent clear and obvious disclaimers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MI
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:
15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIZENS FINANCIAL GROUP, 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 did not make the citizens bank inquiry on XX/XX/2019 and reported it as fraud to citizens bank immediately and disputed the inquiry with XXXX and XXXX did not remove the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019, I went into a Chase branch to close a checking account and change the source account of my Chase auto loan automatic payments to a non-Chase account since I am attempting to close the Chase checking account currently linked to my auto loan payments. I was informed that I am unable to make this change in person and that I must fax in a form that can allegedly be found online. Additionally, I was told I should wait to change this information until after my next scheduled payment had been processed. 

On XX/XX/2019, I called Chase customer service for assistance since attempts to access the online form resulted in errors. During this call, I was passed to 3 different representatives, each time being instructed to go to their website to download the same form that resulted in error messages. Finally, the last person I spoke with was able to explain that my loan was associated with something called XXXX. They informed me that as XX/XX/2019, Chase is no longer associated with XXXX and that due to this, I am unable to simply update the account that I would like to pay my auto loan through and would need to apply for a new loan with Chase in order to pay from a different account. I was finally told that I would be sent the form to change the account for the automatic payments and I should receive the form in about 7 business days. 

On XX/XX/2019 I received a letter in the mail from Chase stating " We have enclosed an Automatic Change Agreement for you to complete. '' Unfortunately, there was no form enclosed. I called their Customer Service again on XX/XX/2019 at XXXX XXXX CST to speak to someone about this issue. Once again, I was informed that there is nothing they can do to update my source of payment. After being on the phone for 20 minutes with this representative, I was transferred to a manager who told me they would actually send the form this time. 

Please note, that nearly a month later as of XX/XX/2019 I have yet to be able to cancel my checking account with Chase. Furthermore, as of XX/XX/2019 I will be assessed a {$12.00} service fee for an account I have been trying to close for over a month. 

Forcing me to apply for a new loan and negatively impact my credit just to be able to pay my current loan from a different non-Chase account feels extremely unfair and I feel as though Chase is intentionally delaying my ability to change the source of my payments in order to get more fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Convergent Resources, Inc.
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:
XXXX XXXX, XXXX Is listed on my credit twice for XXXX. I had disputed this numerous times this account is not mine. A collection bill is not validation & I never received proof with my signature.

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 2019-10-26
Company: Experian Information Solutions Inc.
State: IL
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:
Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the XXXX  data breach..

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 2023-03-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, XXXX, and XXXX regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

Sincerely, 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 2019-10-26
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Scott & Associate 's XXXX XXXX XXXX XXXX, TX Re : XXXX XXXX debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XXXX-XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX XXXX of XXXX and XXXX XXXX and XXXX and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to XXXX when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at XXXX and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called you on the XXXX/XXXX/15 to file my case and i have waited for a full month because today is the XXXX/XXXX/15 with a case number of XXXX I have been patiently waiting a response from my complaint yet I am looking on line and there is no reference that I even filed a previous complaintI want to make sure that you help me with this problem I have been fighting with my mortgage company now for so long and they have placed me in foreclosure, not because i have not tried to work with them but i feel they do not want to give me a dying chance to re-modify my loan. they have given me a balloon mortgage that i had no knowledge of and as soon as i was unable to work, XXXX. i the same breath i lost both my husband and mother 3 months later to violence. i was unable to work due to XXXX and XXXX and when i request help from my lender they turned me down. they tricked me into believing that they would place the outstanding amounts i could not pay to the back of my mortgage but as soon as the 6 months period ended they told me to pay all the arrears in full. i ca n't imagine a low incomes person like me how must i pay all that at once and i was n't even working at the time. I found a job later but was not making as much as i was when i was employed as a XXXX. right now i am working XXXX an hour and getting monetary additional help from my children who resides with me and pays me to live with me so i can more than take care of my mortgage at this time. i just need my lender to cooperate with me and help me remodify my loan to stop the foreclosure so that me and my children and grand children do not have to be another statistic of being homeless. please help me to help my family. someone i am crying out to you for ; help i do not want to loose my home i need a remodificaton please can some one speak to my lender they wo n't listen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on income based payments for the last 2 years. However, the income based payments have to be renewed yearly, but I never receive a notification warning me that my payment plan is changing and I am enrolled in automatic payments. There is no email or correspondence guiding me to renew my income based plan. So 2 years in a row I have found that Navient goes from taking my income based payment, which is around {$35.00}, to my original payment, which last year was roughly {$300.00}, to this year 's, which was {$510.00}. Not only am I struggling financially to pay that amount, as I didn't even have the funds in my bank account, but I have a 5 month old child to take care of now. Last year I played telephone tag with Navient in hopes that they would reverse the payment, and never successfully got in touch with someone, so I gave up. I just attempted to contact them this morning regarding the {$510.00} and got disconnected both times without the option of leaving a voicemail message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Diversified Recovery Bureau LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Diversified Recovery Bureau LLC File Number: XXXX Original Creditor:XXXX XXXX Original Creditor Acct. #:XXXX / Current Creditor:XXXX XXXX XXXX

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A payday loan was taken out in my name. I have asked several times in the last 2 years to please stop calling me. At one point they admitted the charges were likely fraud but I still owed a debt and needed to pay. The company name is Ad Astra Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: DISCOVER BANK
State: MS
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/2019, I checked into the XXXX XXXX in XXXX XXXX, AL. I had 2 rooms reserved for our stay. The first room, # 300, for two nights in the amount of {$490.00} was charged to my Discover card. There was a {$240.00} pre-authorization fee charged to my credit card, this charge was reversed or rolled off my Discover card. My second room, # 104, in the amount of a {$430.00} was charged to my card. There was a {$240.00} pre-authorization fee  charged to my card that did not roll off or reverse. 
This charge, {$240.00} was placed on my card XX/XX/2019 ( see attached billing statement ). The letter from the merchant dated XX/XX/2019 states that the pre-authorization charge was placed on card and reversed on XX/XX/2019, perhaps that charge was reversed, but as you see the additional {$240.00} was placed on my card XX/XX/2019 and not reversed. 

I have contacted the merchant by phone and Discover by phone and mail. Discover considers dispute valid and no further investigation warranted. I am not sure how Discover arrived at their conclusion ; however, the charged is definitely invalid. I am not disputing the bill for the two rooms, but the reserve hold charge of {$240.00}.

Please assist me in getting this matter resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26
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: Information belongs to someone else

Complaint:
I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of XXXX XXXX XXXX XXXX. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at 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