BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an XXXX American Express Business credit card in XX/XX/2017. The promotion was as follows : " XXXX bonus Starpoints after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus Starpoints ( for a total of XXXX  ) after an additional {$3000.00} or more ( for a total of {$8000.00} ) in eligible purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. '' This is not in dispute, this is pasted from a chat window that they sent to me. 

We met both the {$5000.00} and additional {$3000.00} minimum spend simultaneously on our statement closing XX/XX/XXXX. We assumed the points would be issued quickly, as they were when my husband completed a similar spend on the personal XXXX AmEx credit card. We received the initial XXXX points for this card on XX/XX/XXXX, 15 weeks after meeting the spend, after they told me 8-12 weeks. However, we still have not received the final XXXX  points, and have now waited 7 months. We have spoken with American Express numerous times, and launched an " investigation '' in late XXXX. Each time we reach out, it will be another couple of weeks, a few more days, etc. We need some kind of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, 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 just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.

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 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After Checking My Credit Report Thru XXXX....XX/XX/XXXX...It Was A Charged Off Account From Capital One XXXX  That Was Not Mine On My Report....I Called Capital One, XX/XX/XXXX..Using My Social Security Number....Nothing After Waiting For Several Minutes...I Was Connected To A XXXX XXXX...Which Transferred To A XXXX In The Dispute Department That Put Me Onhold....She Then Stated She Can Not Locate Such Account...She Then Stated She Will Turn This Over To Their Investigation Department For Further Review....So After Spending Over A Hour With Capital One On Several Occasions, I Have No Solution But Have Now Not Only Is It Reflecting Negatively On My Credit Report But I Received Several Calls From A XXXX XXXX At XXXX....XX/XX/XXXX....Stating He Is From XXXX XXXX XXXX.....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, We are trying to avoid foreclosure at all costs whether its through a modification or a deed in lieu. The servicing of our loan was recently transferred on XX/XX/XXXXto Selene finance from XXXX. We have been sending all requested information to XXXX prior to the transfer with no response only for XXXX to tell us this week that they can not answer any of out questions any longer since Selene is the servicer as of XX/XX/XXXX. We called Selene finance all week and they have sais they do not have the file in the system yet to help or answer our questions. I advised them that the letter says it transferred onXX/XX/XXXX and the sale date isXX/XX/XXXX and we don't ; have much time. the reps at Selene have been telling us that it might take another week for the loan to be up in their system to help us. I told them that will be too late. They didn't seem concerned or willing to help. they told us to call an attorney or the previous servicer which already told us they do not have the file. We attached the transfer notice. Reason for default was due to one of the borrower 's XXXX. We are now financially stable after the hardship and are looking for a modification or a deed in lieu to avoid a foreclosure on the credit report. Apparently the banks need time to review the docs but know one is willing to help answer questions since the file is not in their system yet. Who can help us. We are desperate and in need of guidance. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an email XX/XX/XXXX saying my account had been suspended. I didnt see the email until XXXX, and hadnt used my card in a few weeks so I didnt know what had happened until XXXX. This is the email I received : Hi ****** *******, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call Account Protection Services at XXXX-XXXX-XXXX-XXXX. 

Thanks, The XXXX Team I called Customer Service, but they werent much help. She could only tell me my account was suspended and that I had to WRITE to Bluebird to take care of this. I sent a letter but I havent heard anything back. My family and I ended up getting XXXX with XXXX  in XXXX and I had totally forgotten about this. I checked to see if my account had been reopened or if I could access my balance, but everything is still locked up. I would just like my account to be reopened!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: FIRSTBANK PUERTO RICO
State: VI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through XXXX and that there is no authorization from the account owner, as there is no signature. * The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. We have spoken to the customer and they have indicated that there was never a fraudulent claim made, nor was there a request for funds to be returned. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not earn this debt, I had to do all sorts of research to even figure out what company it was originally from. I found out it was a XXXX credit account, and was even more confused on where it came from. I didnt have proof, but I assumed it was my XXXX XXXX  mother who had something to do with it since she has used my name to purchase things and sign up for things in the past. I have disputed it many times and it was resolved and removed from my credit. I even received a bill that said XXXX $ balance owed. Only for it to be re added months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  XXXXXXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX - I informed Goodyear of a {$1200.00} payment on my account that I did not make. Goodyear responded by thanking me for the payment ( as if they did not read what I wrote them ). 
XX/XX/XXXX - Goodyear mailed me an unsolicited check for {$1200.00} and I asked them if I was free to cash the check. Goodyear responded by telling me that once the balance was validated they would be sending me a check. ( once again they seemed to ignore my message because I just told them I had a check from them ) XX/XX/XXXX - I gave the check to charity.

XX/XX/XXXX- Goodyear made a payment reversal and charged my account {$1200.00}. 
XX/XX/XXXX - I disputed the charge, but Goodyear told me I must pay {$1200.00} during the dispute process to avoid fees and interest. I paid {$1200.00} and brought the account balance to XXXX. 
XX/XX/XXXX - Goodyear makes a " payment reversal '' of {$1200.00}, and transfers the money to another credit card I hold with Citi Bank ( I did not request this transfer ). Goodyear asks me to pay another {$1200.00}. I told Goodyear to move the money back to the Goodyear account where it belongs. 
XX/XX/XXXX-XXXXXX/XX/XXXX - I have been on the phone for hours with Goodyear. They keep apologizing for the problem and saying they will fix it. At the same time they add interest and fees to my account and have reported me as delinquent to the credit bureau. They harass me with multiple collections calls each day.

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 2021-04-22
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: AES/PHEAA
State: TX
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:
My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, XXXX XXXX, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX ran an unauthorized Hard Credit Check, today ( XXXX ). 
I contacted them, since I was not even at their facility -- luckily I have credit monitoring. 
But they have still not removed the Hard Check. 
Please help. 

Thanks, 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 2021-11-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call XXXX times over a XXXX min period at the very start of my work day, XXXX a.m. they use a different number and a different agent and known of them are aware that they just contacted me. I have asked them to stop calling so much and during my work hours but they increased the number of calls lately. It's becoming a problem for me at work and my boss is starting to notice the non-stop non work calls.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both TransUnion and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely ) Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.

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 2021-11-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
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:
Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification XXXX XXXX ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: AR
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:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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