BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
I have a Business Gold Rewards Card from American Express. American Express provides customers " Amex Offers '' that are discounts and credits for making certain purchases at merchants. One of these offers I added to my account ( approximately XX/XX/XXXX ) was for {$25.00} credit back to my account if I spent {$120.00} or more on one or more purchases at XXXX by XXXX XXXX, 2017. On XX/XX/XXXX, before making the purchases at XXXX, I went to my American Express account and double checked the offer was still added to my account. It was. On XX/XX/XXXX, I went ahead and made the appropriate purchases ( {$50.00} and {$75.00} ) at XXXX using the appropriate credit card. Four days later I checked my American Express account and noticed that the credit did not post to my account. So I initiated an online chat with American Express, asking them when the {$25.00} credit would post to my account. After 30 minutes of checking, the American Express agent said that the offer was not properly enrolled to my account and I would not get the {$25.00} credit. The agent asked me to provide a screenshot of the offer to prove I added it to my account. Flabbergasted, I asked the agent if Amex now requires customers to take screenshots each time they interact with their account because Amex 's computer system can not be trusted? The agent offered to start an internal investigation into the matter, which would take 6 to 8 weeks. I found this resolution not appropriate. I was transferred to a manager who repeated the same as the previous agent. The manager said he could not manually credit my account the {$25.00} because of policies. I asked the manager if Amex requires customers to take screenshots of when they make changes to their account and said while it is not required, it would be helpful. I told them their investigation is purely away to wash their hands of a computer system error. I said the appropriate resolution would be to manually credit {$25.00} to my account AND make an investigation. The manager also said that when I added the XXXX Amex Offer to my account I should have received an email confirmation. This is further proof their computer system is problematic. Over the last year I have added more than a dozen Amex Offers to my account and approximately 30 % of the time I get an email confirmation when I add an offer ; the other 70 % of the time there is no email confirmation but I do see it online when I log into my American Express account. I ask American Express to credit my account the {$25.00}. From now on when dealing with American Express I will take screenshots of each action I take online. I can not trust them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NE
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:
Equifax will not delete a Medical Collection that has been paid to the Original Creditor XXXX XXXX XXXX XXXX XXXX, in which Equifax has been notified and the tradeline disputed numerous times, the Original Creditor has been notified, and the XXXX XXXX has been notified. This is in direct violation of HIPAA as the XXXX XXXX has no need for my information or to be reporting a Collection now that the XXXX XXXX was paid in full. This is now also in violation of the new rule that unpaid XXXX XXXX of less than {$500.00} will not be reported on Credit Reports starting XX/XX/2023. This needs to be deleted immediately and all parties fined and also they need to compensate me for all my time and effort in fighting this tradeline that should have been deleted months and months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: NC
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:
on XX/XX/XXXX Equifax took 21 points from because of XXXX XXXX XXXX now that my account is back to XXXX balance and out of collections i only received 3 points back. It's not right how they can take so much points from a person and then give them back 1-3 points after its corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX, making a payment on the due date. XXXX marks your account late if payment isn't received by XXXX XXXX. This is ABSURD, unreasonable during this pandemic when making payments are tough. XXXX XXXX should be the standard cut off. This is another way for Big Business to use an unfair practice to access late fees. Now my account is late and I'm charged a late fee. Your credit is damaged with this unfair practice. Families are struggling at this time. Shame on XXXX. This company should be forced to return all late fees, this is absurd!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 can not furnish a account without my written instructions

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 2021-02-07
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
3 Different accounts that are not mine : XXXX ( {$330.00} ), XXXX ( {$60.00} ), and XXXX ( {$75.00} ). I attempted to remove these items because they are not mine and because they violate HIPPA but they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear XXXX, US Bank uses overdrafts in every way it can to charge their customers. They charge their customers excessively in order to add to their earnings per share. 

The following is my experience. I would not have received this kind of customer service at my other bank. 

I made several purchase from XXXX for the first time. I went to the bank to deposit an additional amount of money to account for the purchases. 

I was unware XXXX debited the account after hours for a purchase I believed I accounted for during reconciliation. 

U.S Bank normally debits the account immediately. XXXX debited the account after business hours and I was unable to deposit additional funds. I was unaware of this until I logged in. 

When I logged in, I saw an overdraft of {$36.00}. I called in to customer service to explain the situation and expected the {$36.00} to be refunded. 

I spoke to 'XXXX ID # XXXX. She put me on hold for several minutes. This was a simple housekeeping error. XXXX did not provide the 5 star customer service the bank advertises. After about 5 minutes, she stated she is unable to waive the fee. 

I was very unhappy and dissatisfied with the length of time it took for this minor housekeeping issue. I asked for her ID # and she would not provide it to me. I asked several times and she did not respond. 

I asked for a manager which took about another 5 minutes. XXXX ID # XXXX a a manager took over. She was unable to provide the 5 star customer service and stated she would not refund the {$36.00}. 

This bank chargers overdrafts in a manner that is excessive. This needs to be reviewed. They use the overdrafts as a way add to the earnings per share. 

This call I initiated should have been 5 minutes. Instead, US bank and its management use these situations to penalize their hard working customers. It is a very poor customer service tactic. 

US Bank does not care that I am a very dissatisfied regarding this conclusion. They are happy to charge me {$36.00}. 

I will be closing my accounts and using my other banking relationships. 

I will be relaying this experience to my attorney who will send a letter in order to get this on the record.

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 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: GA
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 repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.

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 2021-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We have tried to re apply, and even with a co-signer ; we even went through the XXXX XXXX XXXX XXXX, thinking it would be safer. We are being harrassed and stalked where we live by the landlord and surrounding law enforcement officers, they keep harrassing my daughter, in the past year my daughter has been arrested for XXXX profiling and protesting peacefully. We are having many issues here in XXXX XXXX, due to the faternities that are here in this area, there are many associations and groups. Seems to be the individuals that we are struggling with have the cappability to ruin someone's life whether they deserve it or not. 
I believe that my son in law XXXX XXXX and I bought a house under the same loan # XXXX ; XXXX # XXXX assessed in 2020 after our interest into the property. I am a XXXX veteran, from XXXX XXXX era. We have been trying to move into our own house, with no stress, except we apparently have had our identity stolen along with our family LLP. Professionals during covid feel they dont have to conduct business correctly, and victimize veterans whom have very little. please help us get our propertry, or identity from being stolen. please, we have been victims of the current circumstances. 
Thank You, 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 2019-03-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When payment was sent to walmart mastercard on XX/XX/XXXX18 in the amount of XXXX the payment was applied incorrectely to the zero interest rate promotional balance instead of the higher interest rate balance and when contacted I was told the payment would be corrected, however a month later I received a new statement and a letter detailing federal regulations regarding payments and how they are to be applied. These regulations were not followed and my payment was not applied to the balance with the highest interest rate. Instead the payment was applied to the balance with 0 interest rate and the balance with the highest interest rate remained on my account, which continued to accumulate interest monies for the credit card company. I think that walmart is in violation of these federal regulations and owes me the interest accumulated due to this act. I spoke with them once again and I was told that they could not correct the payment applied to the correct balance with the highest interest rate and in my opinion is clearly in violation of the law ( regulations ).

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 2023-06-05
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My XXXX  XXXX was taken Friday XXXX, XXXX at XXXX which i perceived at that time as stolen so i called the police to the scene of the incident. After taking my information and running it thru the system i was told that my vehicle was repossessed. It was the weekend, i instantly called my load provider jp mortgage chase. They then verified that my car was in fact repossessed, this was the first time i was notified that my account was delinquent and that why my car was repossessed. JP mortgage chase also informed me of the company ( commercial services phone number ( XXXX ) XXXX ) who is in posstion on my XXXX  XXXX. I called commercial services ( repo company ) and they informed me what was needed to be done to retrieve my vehicle. I then called chase auto to correct the problem i spoke to multiple different associates XXXX  ( unique id  XXXX ) ( XXXX id # XXXX ) and XXXX ( XXXX ) XXXX XXXX the supervisor of my case, she told me that multiple attempts were made to reach out however no contact was made to me and I never received any correspondence. XXXX also told me i would have to pay the loan in full total XXXX in order to retrieve the car from the repo company. I Also call chase to rectify why the payment weren't going threw, and was told that the payments were indeed going to the payee listed. This information was given repeatedly XX/XX/XXXX XXXX regarding the payments being sent out. On XX/XX/2020 I was advise by XXXX a chase represtentive to cancel all recurring payments at this time due to the ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2023-05-15
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX To whom this may concern, After recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me am updated copy of my consumer report. 


Thank you, 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
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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:
Received a letter on XX/XX/XXXX stating I owed almost {$1800.00} to XXXX XXXX. I called the company ARA Inc.on XX/XX/XXXX to inquire about this. Yes, this letter got misplaced in the shuffle of mail in my house. They said it was a XXXX credit card from XX/XX/XXXX. A card from 15yrs ago that I know nothing about. She kept saying there are no statute of limitations, this needs to be resolved right now. I told her I would get back to her in a couple of days and she said I have till close of business today or I will be sued. I told her I would not be calling her back today, I will call back in a few days.

Company response to consumer: Closed with explanation