BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: BARCLAYS BANK DELAWARE
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:
XXXX has on their website that users of the XXXX card ( which I have ) get XXXX points per dollar spent on XXXX purchases if you use their special " affiliate '' link. So, every time I shop on XXXX, I make sure to click that link. Eventually I noticed that almost none or very few bonus points would show up. 

I have called XXXX, they told me to wait a month. A few months go by and still no points. I call again, and they tell me to call barclay card. I call barclay card and they tell me that I need to call XXXX. I call XXXX, they tell me I need to call XXXX. 

It has been months and I still do n't have a resolution. In addition, XXXX customer service reps have been incredibly rude about this and say things like " maybe you do n't know how to do it correctly ''. 

I spent over {$32000.00} on the card in a few months and the fact that I am treated like this is a joke. I am about to cash in my points and cancel my card, my XXXX service and never use barclay card or XXXX again.

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 2017-12-14
Company: National Enterprise Systems, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calls/answering machine messages. ( Too many to document. ) Callers were a mixture of live humans and robocalls. 

Callers never left threats or used bullying tactics, but did heavily emphasize the debt collection nature of the call. 

Callers never used personal identifying information ( i.e., " This is a message for XXXX concerning debt collection. ) Callers were all from National Enterprise 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
Consumer complaint received 2017-12-14
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle has been repossessed by XXXX XXXX. I have called them and they told me how much I need to pay to get it reinstated. They will not tell me how long the vehicle is going to be at the place of possession, only that it could be transported to an auction lot in 24 hours. 

I also have NOT received any correspondence in writing that the vehicle has been repossessed. The fees are going to mount. I have a very high interest rate, which I am aware of, however, I just need my vehicle back. I can not afford the {$2000.00}. which they want me to pay due to fees etc. this is my second repossession and all they told me that the next time ( if there is one, I will not be reinstated ). 

I know that I should have received some correspondence and also given a date as to when it could be auctioned so that I can pay for this. I have a job but I can not do my job without a car. I have assets in my retirement account but they can not be released until late XXXX 2018. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: MI
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:
I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been a victim of identity theft. Someone opened a credit card under my name without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX I WOULD LIKE THIS ACCOUNT INVESTIGATED IM NOT SAYING ITS REPORTING RIGHT OR WRONG IM JUST NOT 100 % SURE. I HEARD BY LAW YOU HAVE 30 DAYS TO COMLETE THE INVESTIGATION OR THE ITEM MUST BE DELETED. I WANT THIS ACCOUNT REMOVED IF THERES ANYTHING MISSING PLEASE INVESTIGATE FOR ACCURRACY.

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 2023-05-09
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account opened in my name regarding a loan that I never opened, talked to the company they under stand that it was fraudulent, Ive taken several acting by disputing this report also making a police report linking my ssn to fraud. I also talked with my lawyer to help with this issue Account was open ( XXXX XXXX XXXX/dept ed ) Second account : XXXX dept ed XX/XX/2017 Amount, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.

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 2023-05-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$750.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2021-09-22
Company: Global Lending Services LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
GLOBAL LENDING SERVICES IS VIOLATING THE FCRA, AND MY RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To Whom It My Concern, XXXX XXXX XXXX in Illinois has continually tried to collect on and old credit card debt that is past the statute of limitation in Florida. Today, XX/XX/XXXX they called me on 3 separate occasions using an automated dialer. I have not given my express consent to this or any other company to call me using an automated dialer. In fact my number of registered on the Federal Do Not Call List. 

Today they threatened that they have a judgement against me and that it will be enforced on Monday XX/XX/XXXX in XXXX Co Florida. They stated that the only way for me to avoid this action was to pay them some {$1900.00} today. First I have never been notified or served with a summons regarding any suite . Second, the credit card debt in question is over 10 years old and is past the statue of limitations to sue in for judgement in the State of Florida. 

The false threats and the phone calls to my cell phone using an automated dialer without my expressed consent are clear violations of the FDCPA and CFPB regulations. On top of that they call me three times in one day the first call was at XXXX, the second call was at XXXX and the third call was at XXXX. I picked up and answered all three calls. It was in the second call that the agent threatened the legal action and demanded payment to stop the legal action today. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
We had the opportunity to open a Capital One Spark Business Credit Card when we launched our business, given a {$500.00} credit line in 2017, we've never been late and have always paid on time. Every time I request a credit line increase we got denied for silly reasons like " Monthly Payment Too Low '' however with a small credit line we can't spend much and pay off the balance. We would charge small amounts to not affect the cards utilization rate. 

Now nearly 3 years later, I was approved for a credit line increase for only {$100.00}!! That's sad and disappointing, we make nearly {$200000.00} in business revenue and spend over {$50000.00} on supplies every year. We can't charge ANYTHING to that card because of it's low limit! 

Capital One sees our personal credit is great along with business credit, if they don't have access to our DUNS number I can provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Computer Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a hardship charity request with XXXX Medical Center and they told me the debt would be forgiven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Public record information inaccurate

Complaint:
Equifax, XXXX and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all XXXX agencies show different information. Under the law all XXXX agencies must report same information XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX Equifax has file date XX/XX/XXXX Equifax has Ref # XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Equifax has month of discharge - None XXXX has month of discharge - XX/XX/XXXX XXXX has month of discharge - None Equifax shows address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX Equifax shows Type of Court XXXX XXXX XXXX XXXXXXXX XXXX shows Type of Court XXXX XXXX XXXX  XXXX XXXX shows Type of Court - XXXX XXXX XXXX Equifax shows phone # XXXX XXXX shows phone # XXXX XXXX shows none

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I send a letter to Citibank ( Citibank retail service operations Attention : XXXX Mailroom XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ) on XX/XX/XXXX request a refund of {$48.00} of the monthly balance fee that they charged that they were not supposed to. My checking account was charged for monthly service for XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX despite that I had a balance of over {$1500.00} in my combined checking and saving account. Citibank did not combine my savings and checking accounts together for these months even though Citibank combined my savings and checking accounts before and after these months. This is a mistake on Citibanks behalf. I closed my accounts because I was recently scammed which caused me to look through all my balances. Please refund it to my new Citibank account.

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 2020-07-20
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reached out to BC services on several occasions to tell them I don't owe this medical debt. attached you will find my bankruptcy discharge paperwork. I also attached the certified mail receipt showing they did receive my letter. They also used medical diagnosis to validate my debt, without a signed HIPPA release.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I attempted to make a {$100.00} withdrawal at an ATM machine. I received a message stating " Go to cashier with a government issued ID to get funds ''. I did not go to the cashier to get funds. The next day I reached out to the ATM vendor and Robinhood. The vendor said the funds will credit back to the ATM card within 24 hours. Three days later Robinhood changed the transaction from pending to completed. Robinhood refused to issue a temporary credit and said it would take 90 days to complete the investigation. This is a known problem with Robinhood. No one should have to wait 90 days to receive their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I took several online surveys after making purchases at XXXX such as an XXXX XXXX XXXX phone. One agency cancelled a {$36.00} order, layer being able to take {$79.00} although I never made a purchase after the {$36.00} canceled order which came up XXXX items instead of one. Then XXXX took {$36.00} after I signed up for a {$1.00} shipping XXXX XXXX  which was OUT OF STOCK. The XXXX item I chose was also OUT OF STOCK, therefore I didn't chose a third item XXXX TOOK {$55.00} OUT + INT'L SHIPPING FEES OF $ XXXX. for the XXXX items OUT OF STOCK which I never re wives. XXXX is REFUSING to return the {$55.00} and TD BANK will not lete close out the account because it's overdrawn by this amount.

Company response to consumer: Closed with monetary relief