BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express recently sent an email to its charge card customers about " Flexible Payment Option ''. This option allows users to carry there balance over with interest month to month. The issue I have is XXXX makes this sound to be a good thing along with providing an incentive to keep accruing interest on your debt. I feel this is unethical for credit card company to entrap its customers. It is also making it harder for customer to know if there full bill will be paid by the end of the month when an auto-pay is already set up which will lead to carried interest. I have copied the text below. 

I also want to clarify that I have not signed up for this program but realize many other people will unknowingly. 

" As a valued American Express Charge Card Card Member, you deserve choices when it comes to paying your bill each month. We 'd like to invite you to enroll in the Extended Payment Option1, a feature that gives you the flexibility to carry a balance with interest or pay in full each month. 

And, if you are approved, you could get XXXX Membership Rewards points.2 '' " Eligible charges of {$100.00} or more will be automatically moved to your Pay Over Time balance up to your Pay Over Time limit. For charges you choose to pay over time, the APR will be a variable rate, currently 16.24 %. ( The rate assigned will be the same as the current rate for your Select & Pay Later feature. ) You still have the option to pay your balance off in full each month. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
I purchased an XXXX XXXX ticket online from a travel company. I printed my ticket and arrived at the train station, only to be told my ticket was invalid and I had been scammed. The original charge was {$500.00} on my BJs Capitol One XXXX. As I did not have a legitimate ticket to ride the train, I had to purchase another ticket for {$560.00} from XXXX. As soon as I discovered that I had been scammed I reached out to Capitol One to start a dispute over the {$500.00} charge. This began a long series of requests for proof of my claims which I sent them. Each time I sent them the information, they would immediately refuse my claim. Its as if they are reading from a script and adding one more thing you have to come up with every time they talk to XXXX resolve your claim.After approximately 20 phone calls and as many requests for more information, I was unable to provide anything else and they refused my claim. When I realized that I was getting nowhere I offered to split the {$500.00} and accept that as the final step in the process. Capitol One refused my offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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. 

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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2020-06-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told I would have s lower rate to pay monthly on my Student Loan by a Navient loan servicer and recieved bill for way more than what was told to me .my income has been affected due to COVID and unable to make payments but was misinformed on how much Ibwould have to pay monthly and was told it would be forgiven after a few years.I never received paperwork to support that promise either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is against XXXX XXXX XXXX XXXX in the amount of {$4900.00}. 

In XX/XX/2018, I became a victim of identity theft. An unknown suspect opened multiple lines of credit and made purchases falsely with my personal information. Along with Mattress Firm, other accounts opened included XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/2018, as soon as I became alerted of this fraud, I immediately filed a police report with my local police department. This case is now inactive and a police report is available. The detective of my case, instructed me to complete an FTC Identity Theft Report on IdentityTheft.gov, which I have also completed. 

In XX/XX/2018, I contacted XXXX XXXX XXXX XXXX on the phone. They instructed me to fill out an affidavit that they would send by mail and for me to return it to them in order to confirm fraud. Being a first time victim of identity theft and because of the severity of fraud I had encountered, I did not realize these documents were time sensitive and did not return it in the time I was given. I called and spoke with a representative and asked if there was a way I could request an extension. I did complete the affidavit and faxed over these documents on XX/XX/2018. I also mailed them on XX/XX/2018.

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 2023-08-21
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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALLIED COLLECTIONS SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I have never been in association with this company. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through by someone other than me through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018, I received a Capital One credit card on my name I never applied for. I called Capital One, I was told the account was closed. I called and made an automatic report to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
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 I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.XXXX  Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: MA
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 been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I been contacted from XXXX to help lower my loan monthly payments, XXXX XXXX an XXXX XXXX asked me to submit my financial documents like tax return, social security numbers, household income verification, I did submit all the requested document on XX/XX/XXXX, since then I was making monthly payment for {$100.00} every XXXX of each month. this year I asked my loan lender to send me the form XXXX  for tax purpose, they told me I never made any payment for XXXX and XXXX. 
I need to get back my money and pay it back to the loan lender. 
I have all the emails, bank statements shows my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX automatically enrolled me in a service that is showing I have poor credit even though I have never been late on a payment. The service is run by Experian, who whose score internally on their own report is considerably higher. Even using their own rubric, I do not have poor credit. I believe this is a pretense to charge higher interest rates.

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 2019-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE DISPUTE ITEM AND HAVE IT DELETE OFF MY CREDIT FILE. 

PLEASE UPDATE MY ADDRESS INFORMATION IN YOUR DATA BASE.

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 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America Fraudulent account was opened on XX/XX/2022, using my social security number. Went to local bank for assistance. Representative gave me a business card with contact numbers to call their fraud department. Called spoke with representative in XXXX, XXXX XXXX Transferred my call to another department. Stayed on hold for 20 minutes. Disconnected. Called the following number XXXX. Call back was received 50 minutes later. Spoke with XXXX ( XXXX office location ). Provided excellent customer service. Deleted the fraudulent account and emailed documentation for me to complete. Contacted XXXX and completed the 1-year alert on my account. I have been trying to contact the IRS Fraud Department regarding this situation. I will continue to make contact until I get a representative with the IRS.

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 2019-11-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chase has continually mislead me when discussing several things with reps since the day that I opened the account. When I opened my account I deposited a $ 5k+ check and was told that the funds would be available the next day. They were not. It took me calling and speaking to a supervisor and advising them what I had been told, and that this was a violation of The Dodd Frank Act to be told something that is misleading, to get the funds made available.

Consistently throughout the life of the checking account, I have had their reps tell me information that was either completely false, or totally misleading.

As of late, I have had trouble financially due to losing a job and being on unemployment. It was not uncommon for the state to delay funds. Sometimes I accrued NSF fees because of the delays in receiving my unemployment. Generally I would bring the account to a positive balance within 24-48 hours of being charged a fee. If I called in and spoke to a rep, I could get the fees waived. On more than one occasion, I would be told that the fees COULD NOT be waived, but on the same phone call would ultimately end up with someone waiving they fees.

I feel that this practice of telling someone no, but then yes, is unfair and misleading. At what point am I to know when the line has been drawn? And given my financial situation, is it fair to be charging someone such astronomical amounts of money for being overdrawn for 24 hours? Should it cost me {$34.00} per transaction? What kind of interest rate is that?

Above all, when speaking to their reps and supervisors, it is incredible to me, that they are totally unaware of what the Dodd Frank Act is. The last supervisor I spoke to told me that she was unaware of who the CFPB was.

It seems as though Chase, as a company is not concerned at all with avoiding violations of the law. If they dont train their reps or supervisors what a law is and what it does not allow, how can they avoid violating the law?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To provide context, On XX/XX/XXXX, the Honorable Judge of The XXXX XXXX PCT. XXXX in XXXX XXXX, State of Texas, conducted a trial between Plaintiff Discover Card and Defendant XXXX XXXX. After a thorough review of evidence and testimony, the court concluded that the Plaintiff had failed to substantiate the claims made in the petition. The court 's verdict was clear and unequivocal : " It was ORDERED, ADJUDGED AND DECREED by the court that the Plaintiff Discover Card take nothing of the Defendant XXXX XXXX, and this case is hereby dismissed with prejudice. '' Upon receiving a copy of the signed court order, I promptly informed XXXX, XXXX, and XXXX about the inaccuracies that Discover Card has been reporting since XXXX. A copy of the court order was also provided to XXXX, XXXX, and XXXX. I requested all data, account information provided by Discover Card be removed immediately from my credit file.This inaccurate reporting is not only unjust but also constitutes a violation of the Fair Credit Reporting Act. Discover Card has since reported to the credit bureau 's that they are reporting the account accurately. A court order on XX/XX/XXXX states Discover card has failed to prove this allegation and I ( XXXX XXXX ) owe Discover Card nothing! ( See attached court order ) Discover card has reported and continues to report inaccurate information and this has no legal right to do so. Any account reported inaccurate shall be deleted, states the law. I demand Discover Card remove all data they have reported to the credit bureaus within 24 hours of receiving this complaint. Discover Card is in violation of the law and this is my final attempt to resolve this matter. If this matter is not resolved within ten days of the date of this complaint, this matter will be turned over to a consumer law firm to file for damages for each violation and all financial damages caused by Discover Card. 

Discover Card 's consistent reporting of erroneous information has inflicted serious harm on my ability to secure credit, leading to higher interest rates and damaging my financial reputation since XXXX. Moreover, this situation has taken a significant toll on my mental and emotional well-being, creating undue stress and XXXX. The inaccurate reporting has affected my capacity to access affordable credit, thereby obstructing my financial growth and stability. 

I request assurance that such inaccuracies will not recur in the future, safeguarding both my financial well-being and mental health. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called my employer several times and each time has been given reason to know that my employer does not permit it. They continue to call with various numbers and refuse to state why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/21 : Electronic transfer of {$1900.00} to a closed Dick 's card account managed by Synchrony. This was my mistake, I meant to pay XXXX. This is a lot of money for me, I need it. 

XX/XX/21 : Called Synchrony and had an extended phone conversation where we established that they could not help me at that number, I would need to contact " Payment Issues Department '' by fax, as they would not give out any email, or phone number for that department. 

XX/XX/21 : A fax explaining what had happened with all requested identifying information was sent to the fax number as requested. 

XX/XX/21 : As of now we have received no response of any type from this fax. 

It appears to me that they have my {$1900.00}, and are trying not to pay it back promptly, even though I have made every effort to communication clearly, and they were able to find the closed account in the computer.

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