BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
During the process im buying a plane ticket on XXXX, I was presenting an offer to apply for a XXXX American Express business and receive {$200.00} credit towards my fare. I applied and my application was approve and then I was to be presented with the new credit card number in order to purchase my ticket. The link that was supposed to show me the credit card number did not work so I called American Express to try to get the number to complete my transaction. I was told they were unable to give me the number but that I could charge it to a different American Express business credit card and they could transfer it to the correct card once I had the number when the physical card was delivered to me. That card arrived today but when I called to initiate the transfer as Id been directed, I was told Amex never does this and they would not help me. I am now out {$200.00} and feel that I was tricked into getting a credit card that did not deliver on the promotion. I have since canceled the card and would like remedy for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX called me as I was struggling to make payments as my business closed during covid and just recently lost my job. They agreed to cut my payments in half and put the remainder on the end of the loan which was fine. Even though I didnt have the funds I made the payment on XX/XX/2023 as agreed. I was suppose to receive a document to sign to make the agreement formal. I never received the document, they said it was mailed could not proof that it was sent, and then made up that it was also emailed which it wasnt as my email hasnt changed. On XX/XX/XXXX, they repossed the car and of course now that they have the vehicle they want me to pay close to XXXX to get it back. The whole agreement was a lie, and this was a way to get money out of which i dont have when there entire plan was to take the car anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: MO
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:
SO I FAXED SOME INFORMATION TO EQUIFAX BACK IN XX/XX/2021 AND THEY STILL HAVE NOT RESPODED. IT HAS BEEN ALMOST 3 MONTHS AND STILL NOTHING HAD BEEN DONE ABOUT THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I CALLED LAST MONTH AND SPOKE WITH A REP AND THE CALL WAS DISCONNECTED IN ABOUT 20 MINS INTO THE CALL HE PUT ME ON HOLD AND NEVER CAME BACK TO THE PHONE ( VERY UNPROFESSIONAL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX, Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calls- all from different numbers but the call name is always SouthwestCredit. Trying to get personal information from me about a debt collection with a mobile phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Newman & Marquez, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2021 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have previously tried to resolve issue with USAA, to no avail. I am still being charged for closed accounts. Information is conflicting and inaccurate, I have two closed accounts that have conflicting dates and amounts. I have read USAA 's response, which further confuses me when looking at my credit report. None of the information coincides with the Credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
After XXXX reversed two payments on my account that they told me were maturity fees after paying my loan off XX/XX/2021 they said would Now fix my credit from the fraudulent reporting. After dealing with this horrible situation i want to make sure this process is done i worked to hard just to be violated by companies like XXXX i want this process completed

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 2018-11-11
Company: American First Finance, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have informed American First Finance to stop taking payments out of my account bi-weekly that I will mail my payments in. The reason I told them this because they have called me several times when payment arrangements have been put in place, they have been authorized previously to take payments of {$130.00} at one time and they take 2 payments causing my bank account to be overdrawn or me having to rob XXXX  to pay XXXX  to allow the payment to go thru. I know I have this debt for some furniture that I am more than willing to pay, I just have a big problem with them AFF going into my account at any unauthorized time and for any unauthorized amount. If I say I will mail my payments in, then allow time to receive the payment instead of just creating a debit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 am requesting to you that I want you to help me eliminate the inaccurate items on my credit file. The particular item 's position that are recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest request on my credit report, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. The following items should be removed quickly : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; EQUIFAX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

I do not recognize these accounts, and have neve
r incurred debt with these creditors. I do not know where they came from.

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 2018-04-10
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:
The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

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 2021-11-06
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 information incorrect

Complaint:
Experian keeps reporting a XXXX account as charged off and late but I was never late and I have proof that XXXX charged my bank card for the exact amount. Experian refuses to investigate or correct my report appropriately.

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 2021-02-02
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 : I sent Notarised : Affidavit of Truth : Nelnet Cease and Desist Debt Validation Letter Invoice 0f violations, 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ) 15 USC 1692f ( 8 ), and 15 USC 1681b ( 2 ), Invoice total {$5000.00} payable by check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
rvest Central Mortage is overcharging for closing documents. They give you an estimate prior to closing they call it a Release Fee, If you request a receipt they instruct you to perform the labor to go to the county and get it yourself. In my case the actual cost of said fee from the county was lower than the estimate, and they never returned the money even after I sent certified mail requesting the difference. This is fraud.

Arvest Central Mortgage has fraudulently charged fax fees. Arvest Central Mortgage has not provided any specific written documentation within loan documents nor recordings from Arvest Central Mortgage automated system as repeatedly requested since XX/XX/2020. As such the ( 2 ) {$15.00} fax fees are being viewed as fraudulent charges. If a refund of {$30.00} is not received within 30 days this charge will be viewed as fraud and legal action will be taken immediately. 

Arvest Central Mortgage has caused me to perform labor and mailing cost in which they refuse to reimburse in which is in violation of the Constitution as I owe no one involuntary servitude. Arvest was made fully aware of labor fee cost.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MA
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:
XXXXXXXXXXXXXX XXXX XXXX was paid prior to my filing for bankruptcy, was at a XXXX balance before collections, and should not have gone to collections in the frist place.

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 2021-05-27
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive several calls throughout the day and night from Sequium. They never leave a message. I do not know what the calls are about because I do not answer. However, after discovering Sequium is a debt collection agency, I knew I was being targeted for something. I am confident I possess no outstanding debts that would warrant collection. I feel harassed and frightened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I utlilzed one time higher then my limit on a business card ( during holiday season ) and they closed all my account even my personal accounts!! Without working with me at all.

Company response to consumer: Closed with explanation