BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
American Express presented fraudulent advertising on the web. I contacted them about this and recorded the call. I have the recording, it is an MP3 file. I disputed with them for months over this to no avail.

There was no membership fee listed when I signed up for their card, AE checked on it ( during our phone conversation because4 they would not help me online ) when I spoke to customer service and they said since it was not listed in their advertising, I would not have the fee the first year.

So, I agreed to keep the card if they would do as they said and remove the first year annual fee of {$95.00}. They never removed it like they said, so I paid off my charges on the card ( MINUS the {$95.00} annual fee they said they'd remove ) and closed the account. 

I have the recording that they ADMITTED the ad I responded to did NOT disclose the annual fee of {$95.00}. NOW, they have tacked late fees bringing it over {$200.00} and is ruining my credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$240.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my 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 explanation
Consumer complaint received 2018-06-12
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All my Federal student loans were officially discharged last year, due to XXXX XXXX XXXX XXXX. My student loan servicer ACS/Conduent reported to the credit agencies, I filed for Chapter XXXX bankruptcy. I subscribe to credit monitoring, which alerted me to the changes in my credit. I immediately disputed the information, as I have never filed for any bankruptcy. A few weeks later, ACS confirmed with the credit agencies I had indeed filed for bankruptcy. 
I put in another dispute today, but the credit agencies say my ACS can just confirm the information is correct and start the cycle over. I have spoken with Conduent today, twice. The first woman wanted me to send in my credit report to them for them to do anything. The second woman gave me an email address to send in my information and complaint, while I wait 48 to 72 hours for a supervisor to contact me.

I wasted over three hours of my time today on the phone, trying to get this resolved.

In the mean time, my credit score continues to plummet, due to their error and this company is servicing Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: MNS & Associates LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls multiple times on multiple numbers. Keeps calling my place of employment asking for my personal phone number. XX/XX/XXXX and XX/XX/XXXX have called several times. Leaves voicemail saying the are trying to do an assest verification and needing to verify place of employment. Also in voicemail says that the process is being expedited and should come within the next 24 to  48 hours and then they leave the number XXXX, failure to call back may result in further terminations being made. Then the guy talks real low about state and federal guide line and then I have been officially been notified. 


XX/XX/XXXX called my place of employment threatening legal action, would not give me any info in regard to why he was calling. Told me he needed to transfer me. I told him he would need to speak with my lawyer if it was a legal matter and I could give my lawyers name. The guy scoffed and said he wasn't getting off the phone just because I supposedly had a lawyer. Would not give me any info. I asked him not to call my place of employment again to contact me via certified mail only. He told me he could call me wherever and whenever his company wants to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: NV
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:
I had a car loan with XXXX. XXXX was closed when I sold the vehicle to a dealership on XX/XX/XXXX. XXXX has reported XX/XX/XXXX payment as late to all credit agencies. Per attached documents, the vehicle was sold before XX/XX/XXXX payment was late. When vehicle was sold I got a 30 day payoff amount. This was no longer my vehicle at the time the XXXX payment was late. 

I DEMAND THAT ALL PAYMENTS ARE CORRECTED AND REPORTED AS CURRENT TO ALL CREDIT AGENCIES.

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 2020-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
USAA is constantly calling my cell phone. Im submitting this complaint after I asked to be placed on the Do Not Call list 3 times. I told them that I was unable to make my payment of {$56.00}. This is the first time Ive ever missed a payment and theyre called numerous times and sent a letter. The times they called were : XXXX- XX/XX/XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-05-09
Company: JMAC LENDING INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I purchased a property for {$490000.00}, using lender JMAC Lending Inc. The monthly payment was {$2500.00}. The payment included the principal, interest, PMI, and escrow account. The escrow account included annual property taxes calculated at {$6100.00}. All this information is included in the Closing Statement. I was informed that my loan was sold to XXXX XXXX. I received a letter from XXXX XXXX dated XX/XX/XXXX reporting that there was an escrow shortage of {$2600.00} because of the annual property taxes increasing. The monthly payment would increase to {$3000.00}. I spoke with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX as well as the Real Estate Agent to address this matter. A mediation letter was sent on XX/XX/XXXX requesting a settlement to address the matter that would affect me in perpetuity. I received a letter from XXXX XXXX dated XX/XX/XXXX that acknowledged that the annual property taxes were calculated incorrectly and should have been calculated at {$8800.00}, not {$6100.00}. The letter also reported that XXXX paid {$3100.00} to cover the escrow shortage for XXXX. XXXX sent a letter dated XX/XX/XXXX, that does not agree to a settlement. Another mediation letter was sent on XX/XX/XXXX reporting the failure to disclose the payment accurately and the hardship. I also explained that I did not accept the {$3100.00} as a settlement. The monthly payment increased to {$2800.00} because of the property taxes being documented incorrectly at closing. I sent a letter to XXXX XXXX on XX/XX/XXXX asking for the PMI to be removed and the escrow account to be removed to assist with reducing the monthly payment. I informed XXXX XXXX that I was still looking into other options to address the matter of the annual property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I spoke with multiple XXXX  customer service employees in various departments at their main customer service number. After 2 hours on the phone I was advised that I am no longer permitted to make purchases on XXXX with my XXXX   XXXX, the XXXX store credit card. The only explanation provided was it was due to an abnormal order history. I have no idea what that means and the final representative hung up me. I was advised there is no recourse to change this. I do not understand what is occurring and would like to continue to make purchases on XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Choice recovery has not sent any notification of debt, not a verification or validation letter. Instead, they are upset because I am using CFPB to contact them. I tried to handle this accordingly but whomever is replying to the complaints must be a complete XXXX. Instead I Submitted a request online to XXXX XXXX XXXX as they already have an open investigation into your TCPA violations and deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I went into XXXX and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that XXXX  account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.

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 2018-12-26
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from a Debt collector from Colorado ( phone # XXXX ) and I asked them to Stop calling. ( They've got the wrong person!!! The XXXX calling Itself XXXX with XXXX XXXX called me back and left me a lengthy, DEMANDING message giving ultimatum that I should Call XXXX xt XXXX TODAY to talk to her! The XXXX said this message is for " XXXX XXXX ''. I am NOT that XXXX they are looking for, This is NOT XXXX  or XXXX XXXX # there may be a Last name resemblance but not all XXXX XXXX XXXX are the same! They probably dug my # from the Internet thinking I am related to the debt owner that did not pay it's debts. I have a perfect credit with 800+ score and pay my bills on time, I don't owe anybody jack! This XXXX  better STOP BOTHERING ME and calling my Cell repeatedly for some XXXX XXXX debt. I am Not providing my address or email or phone number in the required fields as I don't want the debt collectors to access my other personal contact Info and gain more ways to contact and harass me. This is a Complaint to let you know that the WRONG person is being Harassed by debt collectors..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank BBVA COMPASS to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( XXXX XXXX XXXX  ) to confirm funds and to give myself peace. On XX/XX/2020 I called XXXX XXXX XXXX ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX company to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank BBVA again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by BBVA Compass. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 BBVA Compass deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
I had notified Experian credit bureau about incorrect reporting on my credit file from XXXX XXXX XXXX   XXXX. I explained that this account I had no knowledge of and that it did not belong to me they responded back 75 days later which is ( PAST THE 30 DAYS REQUIREDTO RESPOND ) back and never resolved the issue. Never sent me any PROOF that the incorrect information being reported on my file actually belong to me as stated in the FAIR CREDIT REPORTING ACT. THAT SUBSTANTIAL EVIDENCE PROOF OF MY SIGNATURE ON ANY DOCUMENT STATING THAT SAID ACCOUNT BELONGED TO ME. I asked for verification and proof that this account belonged to me or signed documentation with my signature and proof of how they were verifying this information from XXXX XXXX XXXX XXXX. I indicated that if no REFUTABLE PROOF WAS FOUND that they immediately delete this file from my credit report. They responded with only that my file was updated. Didn't specify how was they verifying this information that was being reported on my file. NO PROOF OF ANY CONTRACT OR BINDING DOCUMENT WITH MY SIGNATURE was found stating that I owned this account and or was responsible for said debt and was told that my credit file was JUST UPDATED only and they continue to report this account on my credit report falsely.

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 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 belongs to someone else

Complaint:
Under the fair credit reporting act of 1861a in the exclusion sectionB. It specifically states anything extended or authorized from a credit card shall be excluded from my consumers report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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 status incorrect

Complaint:
See attatched Equifax Credit Report XXXX XXXX Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched XXXX XXXX XXXX Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?

Company response to consumer: Closed with explanation