BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
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 upgraded a card I had with Amex and was offered XXXX American Express rewards points after spending {$10000.00}. I upgrade the card and a few hours later, I chatted with Amex rep via their chat feature to confirm that my upgrade is completed. I was provided confirmation that I can start making the required spending as early as a few hours before the chat and that it would count towards my spending requirement. Later that day I made a purchase for {$10000.00}. I have now checked back with Amex via chat over XXXX times, where agents were confused about this, so this went to escalation XXXX times and I received confirmation multiple times via chat that I completed promotional offer requirements and that my bonus points will post no later than XXXX weeks. It has now been over XXXX weeks. I keep chatting with Amex, and they keep saying that their team is closing the case by mistake and that I am due by bonus offer of XXXX point and they will resend to the team to get the points posted. This happened XXXX XXXX already. The agents even provided time stamps to show that team that they are denying by mistake, but the team is negligent and is not reviewing information and time stamps or the chat records. Amex is now more than 30 days out of compliance for what they owe to me and I have escalated to managers which all promised that I will receive my offer soon. 

I have records of this chat. Please help raise this to a responsible individual so they can train their teams better to actually read and review information their chat agents provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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 ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-09-19
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have submitted a complaint for this issue previously but we were told they were n't calling our main number that I listed. The company made no effort to contact us to determine what number was being called. Now I have listed the numbers for our office. This place KEEPS calling over & over for someone that does not work here! I stay on the line EVERY SINGLE TIME so that I can tell the person to remove our number, they kindly say they will and then never do! Today I called Gila Corp and a lady by the name of XXXX picked up to help me, the second I told her I had previously filed a complaint with the CFPB she instantly hung up on me, what great service huh? This company is absolutely HORRIBLE and will not stop calling our place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 2018-05-18
Company: SYNCHRONY FINANCIAL
State: NY
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:
There is inaccurate information reporting to my credit report for late payments and charge offs from XXXX XXXX for PayPal, XXXX, Gap and XXXX XXXX Acccounts. These accounts are fraudulent. I have disputed multiples times and asked for verification documents to no avail. 

Dispute Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-09-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.

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 2023-07-25
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Late loan payment contact efforts at harassment level. Every day, including XXXX, calls from various agents demanding payment. Up to 6 calls per day and messages left on most of those calls. i.e. XX/XX/22, 6 calls starting at XXXX until last call at XXXX. So, in 3 hours, 6 calls! In one week, 15 calls. Already previously spoken with agents requesting less calls and informing them when the payment would be sent. Absolutely unnecessary and harassing to call that many times per day and far exceeding the legally allowable number of contacts per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Investigation took more than 30 days

Complaint:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
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: Information belongs to someone else

Complaint:
I recently migrated to the United States and my social security card and number was just issued to me in XX/XX/2020 and I have had series of accounts and inquiries that keeping popping up on my report. I have not been able to properly achieve any of my financial goals because my identity has been stolen and information on my credit report is inaccurate and includes inquiries and accounts that does not belong to me. 

The following inquiries mentioned are fraudulent, I am not in the market for a car, never was and never will be because I already have a car. Whoever is using my information I need these recent inquiries to be blocked and removed. 

List of inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the following inquiries to be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual ( s ) who is responsible for using my personal information without my permission or authorization. I have tried to work with the credit reporting agency as well as the credit grantor to have these removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My student loans have evolved to the point where they are completely unaffordable for me. Although I have been making my income based repayments, Fed Loan reported an increase of {$500.00} to my overall amount, this in turn caused my credit score to drop by 90 points! Although I have been making my payments, they just now reported this and there is no way I can stop it. My only alternative is to find another company to service the loan. Since the loan is so large, I haven't been able to do so. If this continues, not only will I never pay the loan off, I also will never have a decent credit score. My score dropped from a XXXX to a XXXX. I feel hand-cuffed and there is nothing I can do. had I known about the IBR earlier, perhaps I could have mitigated the amount of interest that was accruing. I may never recover from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NJ
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 XXXXXXXX is currently reporting late activity. This account was paid in XX/XX/2016. As a result, I am exercising my rights under the FCRA. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-17
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: Was not notified of investigation status or results

Complaint:
I requested investigation from credit bureaus and never had a result of it. I have also requested Method of Validation from them and have never got a reply from them as well.

The status for 2 accounts is listed as charge off/collection .However there is no information about who is keep reporting this items or any information about collectors.

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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I purchased a dining room table from XXXX XXXX and returned it without even having it delivered. The item was around {$1000.00} but only refunded me {$800.00} and now my account is past due even when I already closed XXXX XXXXPottery Barn Credit Card XXXX Capital One said since I already closed my account, they cant dispute it and I will need to reach out to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: CrossCountry Mortgage LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I bought this house in XX/XX/2021. I was making timely payments of {$1500.00}, even though the monthly payments are supposed to be {$1400.00}. However, a few months after I bought the house, CrossCountry Mortgage raised my mortgage to {$1500.00} and some change. One month, I paid {$1500.00} because I know I paid way more than {$1500.00} on my previous payment ; and they claimed that I was short of the {$4.00} and that was the reason why they sent it to prinicpal. CrossCountry Mortgage directed that payment to the principal, and left that month without a payment. Other major issues with the house itself ( spent total of almost {$4000.00} ) that same year ( XXXX  ) made it a challenge to keep up with the following months mortgage. I have been in contact with Mortgage company to update them on any issues and trying to make payments. I acknowledge that I am one month behind on my mortgage. However, the notices I am receiving in the mail state that I am technically 2 months late, if not more. I feel that CrossCountry Mortgage breached the contract by raising my mortgage payment while failing to notify me of the reason for raising it. I was also under the impression that the mortgage rate would not change throughout the years. Raising my payment without a reason to raise, attributed to a domino effect that placed me in a situation to be behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Note : Grandpa'sspacebarisbroke.Facts : XXXX, XXXX @ CALSTATfor $ XXXX & XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ 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 monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: IL
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:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: VW Credit
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Vehicle was involved in a collision that resulted in a total loss. The responsible insurance company did not pay the required balance in a timely manner resulting in a missed payment. The account has since been closed and the company has failed to report this to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I was contacted by " XXXX '' representing a 3rd part debt collection agency, representing Santander Bank, on a vehicle loan that originated in XX/XX/2007. He threatened to garnish my wages, proceed with legal action and notify my employer of my delinquency, The amount owed is {$3200.00}. This is the 8th call I have received TODAY this number and the 43rd call I have received in the past week, resulting in being harassed as well. When speaking with XXXX, he was extremely pushy with his suggestions to resolve the debt and would not take " no '' or options that I offered up for resolution. He got his manager involved and told me that I could lose everything if I didn't settle this today, offering to take 1/2 the payment today as long as the other half was paid in full by XX/XX/XXXX. This account DOES NOT show on my credit report as it was removed almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX XXXX closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXXXXXX XXXX  ( closed Accounts ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate

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 2018-12-17
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I went to PNC bank Branch in XXXX, GA where i do most my banking to make an international wire transfer to XXXX for the amount of {$12000.00}. 
On XX/XX/2018 I saw a suspicious deposit in my account for {$11000.00}. Couple of days after that i went to the bank and shared my concerned about the Transaction.In my disbelief I was told the transaction is reversed International wire in my account from XXXX. So when i questioned the the dollar amount being {$830.00} less than original {$12000.00} I was told that the bank has to do an internal investigation and they will notify with the outcome.After few days i went bank to the Bank and they said they have not done anything wrong and the XXXX bank is charging me a exchange rate and return fee. I demanded to talk to the branch manager but he referred me to Mr XXXX which happens to be the regional manager.After speaking to him on XXXX XX/XX/2018 .he assured me to find out what the fees were and see if he can find a solution to solve the problem.i was out of country till XXXX of XX/XX/2018. Went to the bank on XXXX and i was told that there is nothing can be done. I asked for the breakdown of the of the numbers on Reversed International wire back in my account but they could not come up with the copy of the breakdown. I am so upset with lack of consumer protection in a my case. 
I feel like the banks ripping public off without any accountability on their behalf. all i want is my money nothing more nothing less. 


XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief