BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In early XX/XX/XXXX, I received a replacement card in the mail because my American Express Platinum Delta Skymiles credit card expired. I activate this card as usual. 
On XX/XX/XXXX, I misplaced my card. I called American Express to cancel the card and send me a replacement. 30 minutes later, I found the card. I called American Express again in an attempt to get them to cancel my request. After a 20 minute+ conversation, I was told that because of security, this was not possible. I agreed to wait for a new replacement card. I asked the customer service agent to at least expedite the card so that I don't have to wait longer to use my credit card.

XX/XX/XXXX/XX/XX/XXXX - I received two replacement cards in the mail. I only requested one, but the previous customer service agent must have made a mistake. I ignore this security problem, and I chose to activate the card received in the mail ending in XXXX. This card was the last card received. I cut up the other replacement card. 
On XX/XX/XXXX, I made an online purchase with the card ending in XXXX. In early XX/XX/XXXX, the card ending in XXXX stopped working. Because of past issues with customer service, I decided to ignore the problem until later. 
On XX/XX/XXXX, I called American Express Customer Service to change account address because of a recent move. American Express informs me that the card they have on file is different from the card I have ( the one ending in XXXX ), and this other card was sent on XX/XX/XXXX. They tell me that they have to send me a new replacement card to my current billing address. However, I was making the call because I needed to change my billing address. The customer service agent did not address the major security problem with having a different card on file. The only option they gave me was to send me yet another replacement card. Because of the decline in their customer service and my growing concern for account security, I cancelled my account. 
XX/XX/XXXX/XX/XX/XXXX - Tried to submit a formal complaint. Ignored multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: Account information incorrect

Complaint:
I purchased a vehicle new @ XXXX XXXX XXXX, XXXX XX/XX/XXXX. The transmission had to be replaced with mileage less than XXXX in XX/XX/XXXX. This transmission failure left myself and minor child stranded in the middle lane of traffic at one of the busiest intersections in North Texas. ( XXXX XXXX XXXX XXXX ) XXXX repossessed the vehicle less than 30 days after the replacement. Sold it at auction for less than % 20 of its value. My credit report shows I owe more than I originally borrowed. My report also reflects payments being made in XXXX, XXXX, XXXX and XX/XX/XXXX. Also, XXXX, XXXX and XX/XX/XXXX which is XXXX. XXXX is dragging my credit score through the mud and the information they are reporting is INACCURATE and Fraudulent! 

Note : I have paid off 3 XXXX prior to this purchase. My previous XXXX, also purchased new, had to have the transmission replaced TWICE! XXXX makes a XXXX product and expects you to pay for it.

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 2018-02-07
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now PNC bank. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX, through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting XXXX XXXX on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: Account information incorrect

Complaint:
XXXX XXXX has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus untilXX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.

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 2020-06-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax should not be reporting a collection/chargeoff in the amount of {$31000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX   is reporting correctly. The vehicle was repossessed in 2014. I called XXXX XXXX and asked why they are reporting on Equifax that I still owe the full balance. XXXX XXXX informed me that they are continuing to report this because they claim that the vehicle was picked up on XX/XX/2014. This is not true. I no longer have possession of the vehicle. I asked XXXX to provide me with documentation showing that the vehicle was picked up and they can not locate any information to show that the vehicle was in fact picked up. Equifax needs to report a {$0.00} balance. This false reporting of a collection/charteoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Equifax to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX, post dispute results of multiple investigations ... 
continues to display XXXX XXXXand in Equifax 's depiction of XXXX XXXX IT IS OBVIOUS on the face of their credit reporting that the account information is both inaccurate and incomplete according to the FCRA, the law of the land in the USA.All proof attached is specific as it includes Equifax hard copy reports as well as 3rd party reports with information transmitted to the 3rd party by EQUIFAX.The information attached is from XXXX calendar week prior to this writing.It includes a partial fix by Equifax of the missing '' term duration '' which was added to this installment loan depiction on XX/XX/XXXX ... .yet the account post update continues to have both inaccurate and incomplete information required by the FCRA ... THE HALF MEASURES AVAIL US NOTHING.EQUIFAX IS UNABLE TO BE CONTACTED ELECTRONICALLY FOR DAYS AS THEY ARE UNDERGOING '' maintenance. '' Equifax has recently sent a threatening letter..stating that they are refusing to reinvestigate beyond the current investigation.EQUIFAX on the phone has individuals who blend their XXXX  XXXX   tongue with XXXX and are unintelligeable on phone conversations to remedy these EQUIFAX breaches of credit reporting law. 
on Equifax XX/XX/XXXX XXXX report the installment loan says the payment both actual and scheduled monthly payment are or were {$0.00} On Equifax XX/XX/XXXX report the installment loan duration is blank, yet on the XXXX XXXX report of XX/XX/XXXX the XXXX  month term is shown.the date closed, the charge-off amount ( significant since loan payments were made ) are left blank.The high credit amount is inaccurate since on loan initiation a portion of the {$2600.00} was withheld by the lender as a loan initiation fee ( pre-paid interest ) and the loan amount or loan proceeds was not XXXX but less. 
nowhere in the account is this information properly depicted.The " high credit '' of {$2600.00} is inaccurate. 

THIS COMPLAINT MAKES A RECORD AS EQUIFAX IS MAKING IT CLEAR THAT THEY WILL REFUSE TO FURTHER INVESTIGATE, CORRECT THE INACCURACIES OR DELETE THE ITEM.EQUIFAX IS CLEAR IN THEIR WRITTEN COMMUNICATION RECEIVED YESTERDAY THAT EQUIFAX REFUSES TO ABIDE BY THE FAIR CREDIT REPORTING ACT, DODD-FRANK, AND ALLOW OR CONSPIRE TO VIOLATE THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To Whom It May Concern, I have a XXXX 's XXXX XXXX XXXXXXXX Card managed by US Bank and no one returns my calls about this billing issue. My XX/XX/XXXX statement had a balance of {$250.00} and the due date was XX/XX/XXXX. I mailed a check for the full amount on XX/XX/XXXX, which was cashed on XX/XX/XXXX as per my bank statement ( XXXX ). On Monday, XX/XX/XXXX, I have received my new statement showing the amount for XXXX unpaid and a few extra charges related to the payment not being received. I have called the number on the statement ( XXXX ) and left a few messages and no one returns my calls. Furthermore, I find it disturbing that every time I called, it goes directly into a voice mail for a single person ; no life person ever answers my calls. I need assistance in resolving this matter, since on one will return my calls to resolve this matter.

You may contact me at XXXX, but I would prefer that you contact my nephew at XXXX. 

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 monetary relief
Consumer complaint received 2022-08-10
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:
XXXX XXXX XXXX opened an account fraudulently without my knowledge or authorization I have a credit freeze in place and the company failed to see that and still opened an account in my name and closed it days after I reported it was me and I contacted The company and company gave me run around I am prepared to take Federal legal action against company for the negligence and emotional distress caused by this incident

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 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've called my bank twice which is bank of America to close my account. They said I've got a person to person fraud case on my account which I know nothing about and then they can't access my account with my information. They can't seem to send a verification code to my cell phone that's on file even though I'm calling from it. I just want my account closed because I've got an account with another bank.

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 2021-03-30
Company: BARCLAYS BANK DELAWARE
State: FL
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:
This issue is a problems with my Barclays Jetblue credit card. I made a XXXX XXXX purchase in XXXX. The purchase was cancelled and XXXX XXXX has confirmed a refund to my credit card of {$4200.00} however, the credit does not appear anywhere on my account. 

I have made multiple attempts to dispute the charge and I have been given multiple and conflicting answers as to why the credit does not appear on my account. The first dispute I made. I received a letter that Barclays ' own investigation verified the refund but no one could show me where it appeared on my statement. They pointed to other XXXX XXXX credits but I explained there were two charges that were refunded. One refund is reflected but the other was not. 

I filed a complaint with the XXXX and was contacted by the office of the president once. I spoke with XXXX XXXX and she acknowledged that she could clearly see that I only got refunded for one charge but not the other charge. She stated she would contact the dispute department and would help but since then, I have received multiple letters staring that the dispute was not found in my favor. I called the office of the president 3 times to speak with XXXX XXXX, the person I spoke to, and she has never returned my call.

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 2020-06-05
Company: SYNCHRONY FINANCIAL
State: CA
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:
Synchrony charged me {$28.00} late fee on XX/XX/XXXX. I paid my full balance only two days later ( XX/XX/XXXX ) and wanted to set up autopay. I've talked to them about auto pay ( which is now set up ), but they refuse to refund the fees. Please refund the fee - we've had all kinds of coronavirus issues, it should be OK to pay 3 days late during these times. 

I've tried talking to Synchrony recently, but XXXX ( the automated assistant ) says : " I want to make sure I am giving you correct information about late fees, please log into your account and I can help you. '' - when I'm already logged into the account, and unable to reach a live person for that reason.

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 2020-06-05
Company: Experian Information Solutions Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The auto loan that is under my name is the result of fraud. All the current and past credit cards are not mine as well. If they look into my Prison records they can see that I was incarcerated from XXXX XXXX to XXXX XX/XX/XXXX I was released. This misinformation with these bureaus need to stop, I will be suing them in court as soon as all my informal methods are exhausted.

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 2019-10-22
Company: TekCollect Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TEK-COLLECT INC ( XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ) bought a debt ( Account number XXXX, Collection opened XX/XX/2017 ) from original creditor : XXXX   XXXX XXXX in the amount of {$650.00}. I have complained and disputed so many times with XXXX, XXXX, and XXXX as well as Tek-Collect. I keep telling them each and every time that I never attended this college. Each time they ignore me and keep on with the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: MD
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 have contacted Experian many times over the years and especially these paths few months. Despite providing valid documentation for the bureau to delete false items on my credit report. The representatives often disconnect the line and promise call backs of supervisors which never occur. Investigation results take a long period of time and nothing changes. No real proof of any investigation being done.

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 2021-03-05
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We borrowed money to buy a car from KIA Motors - loan was for {$12000.00} in XX/XX/2019. 
In XX/XX/2019, we requested the full payment amount - we paid off the full amount by XX/XX/2019 after requesting a full balance due and paying it off. For several months after that, we continued to get monthly bills - we continued to tell the billing person that the amounts have been paid off. We even received a letter from KIA Finance that the loan has been paid off. However, the calls continued each month with a new person calling. 

We were recently denied credit and when we requested some further information, it turned out that KIA had reported a dispute and a balance outstanding in the approximate amount of {$310.00} which had caused our credit to be denied. 

We called them at their 800 number today and were told that we owe them approximately {$310.00} and we were not allowed to speak to a manager. The conversation was very abrupt and we were given no options including any accounting of why we owed the balance after we had paid off the loan, received confirmation that the loan has been paid and the title has been released. However, the person on the phone said that the title is not released in their system and that we owe them the money. He refused to allow us to see the documentation of the calculation and just said that we had to pay the money. He said that his record showed that the manager had communicated this to us earlier and was not ready to share the reason for the owed amount but we do not remember or recall such a conversation. 

Attached are the documents.

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