BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued an American Express XXXX XXXX in the amount of {$20.00} on XX/XX/2023. The card states that it can be used at " U.S. merchants that accept American Express Cards, '' however, it's been impossible to use online at all - I've tried XXXX, XXXX, XXXX, and several other services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for a credit card with American Express to receive XXXX XXXX miles after spending {$4000.00} in 3 months. I called American Express several times asking for a status. They have told me that insurance payments dont count towards the {$4000.00}. I had a customer service rep investigate this on XX/XX/XXXX. She said that that was in error and on XX/XX/XXXX I would have received a bonus. Today ( XX/XX/XXXX ) I used the chat function and called and was told that the previous investigation was closed and I would have to wait XXXX days for a new investigation, followed by an additional XXXX weeks. This was after they told me I would not qualify, but then corrected themselves after being told to check my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: 2288984 Ontario Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I was contacted through text message from a company called Money Key loans and they said that I was approved for {$5000.00} and I paid a loan I gave them all of my credit card and all of my banking information and the end I was told that I would have to send {$100.00} through XXXX XXXX and also I contacted the actual money XXXX company and they said that they have no numbers or anything pertaining to the number that contacted meAll of this took action onXX/XX/2019A target my savings account you which was through XXXX XXXX XXXX and also my XXXX XXXX account which is through XXXX XXXX XXXX It also through my next been account and two of my accounts I already have move the funds over that I had left in each account before they could even try to take anything out but I did get out all of my personal information and Im a little bit skeptical about that at this moment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2019 I was approved for a Capital One Quicksilver credit card. Per their advertisement on the Capitalone.com website, a one time sign up bonus would be available to new card member ( s ) if you spend {$500.00} within ( 3 ) months of when the card was issued. As of XX/XX/2019 I had spent over the required amount of {$500.00} within the provided ( 3 ) month time frame. When calling Capital One to inquire on the sign up bonus after meeting the advertised requirement ( s ), I was advised that per their disclosure, previous or existing account holders maXXXX not qualify for the sign up bonus. I advised that I have never had a Quicksilver credit card before, and should be entitled to the sign up bonus as advertised. After a ( 5 ) day waiting period, I was called and advised that because I had a different Capital One card, that is being considered as an existing account holder. The Capital One Platinum card does not have any sign up bonus ( s ) or rewards associated with it, it is a completely separate entity. I advised that their disclosure states, previous or existing account holders under the Quicksilver terms, which would mean previous or existing account holders of a Quicksilver card/account, and no where in the terms for my Capital One Platinum card does it say that accounts will be linked, or having the Platinum card will deny me any future bonus ( s ) with the company. I feel mislead by the company into signing up for their Quicksilver card with miss-representation of their term ( s ) and the company is using the fact that I have a completely different card with separate terms as a way to not have to honor their advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: California Business Bureau, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was injured at work and I received a secretly check by the employer that I did not know about until now XX/XX/XXXX2018 how is it that know one know this and somebody working my social security.i didn't work much and somebody was working under my name somebody madea claim of child taxis, I have no child they taking away my benefits

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The loan is currently being paid, however I have been notified by XXXX XXXX XXXX XXXX. on XX/XX/XXXX that I owe {$160.00} from an unpaid balance from XXXX College XXXX XXXX. I left this school about 10 years ago and advised the school I was dropping out. They never said anything about an unpaid amount. They never once tried to contact me about any debt I owed in all of these years. The school closed a couple of years ago. Then I received a letter claiming I owe this random company money from XXXX. I called them on XX/XX/XXXX and was rudely given a number for XXXX which is their sister company. I wanted to dispute this claim and both workers from XXXX were very rude. They told me to call XXXX which I did and I spoke to XXXX who was a little confused about the situation and stated XXXX bought old debts from different colleges and was forcing everyone to call XXXX. I informed him of the situation and he told me to continue to dispute them on it he also deferred the amount for now. I also emailed them of my dispute on this date and did not receive a reply. On XX/XX/XXXX I received a letter dated XX/XX/XXXX with writing saying I had 30 days to pay my amount and they dropped 25 % down to XXXX and they would not renew the offer. With the letter was records of everything owed and everything paid. When I checked the balance on the documents it said {$0.00} in two places! I also did all of the calculations multiple times and had an accountant look it over, which they stated the amount is also {$0.00}. I emailed the email address in the letter and it bounced back as undeliverable, so I tried another email. I am waiting on a response and will call again tomorrow on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2019-02-19
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to XXXX XXXX  and that I would be served, sued, and even possible jail time in the next two days. She also mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with XXXX XXXX  in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for Ocwen? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notice from Southwest Recovery Services for the amount of {$370.00} in XX/XX/2019. Upon which I sent them a letter formally disputing the debt and requesting that they verify the debt on XX/XX/2019. 

I haven't seen or heard from the collection company since and today, XX/XX/2019, I noticed the collection 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 2023-02-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wellsfargo modified my mortgage without my permission XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: SC
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 LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-02-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XXXX XXXX, XXXX I bought 2 Economy Class XXXX XXXX Tickets from XXXX XXXX to XXXX XXXX and back for {$4300.00} from XXXX XXXX XXXX XXXX online travel agent. 
( COPY OF TICKET ATTACHED ). 

On XX/XX/XXXX, XXXX the same XXXX XXXX XXXX  sold me an upgrade for the same 2 ECONOMY tickets to PREMIUM ECONOMY for an ADDITIONAL {$1600.00}. ( COPY OF TICKET ATTACHED ). THESE UPGRADED tickets that were sold to me were VOID as XXXXXXXX XXXX has NO PREMIUM CLASS. I only discovered this on XX/XX/XXXX upon taking the first flight on this journey from XXXX. We were seated in ECONOMY CLASS for all 4 flights of this journey and we had bulkhead tickets, which are the worst Economy Class tickets on the plane with no leg room ( we are both tall! ). 

Immediately upon my return to the USA, I called this travel agent and asked for a refund, but this was without any success. I then took immediate steps to address in XX/XX/XXXX by reporting this to American Express and advised them that the goods and services were not received at all. 
To date I have not received a refund. American Express refused to assist me and advised me that I was late in filing a dispute, which is completely wrong since I filed the dispute the moment I was back from my trip and had addressed the travel agent. 
The " PREMIUM CLASS '' UPGRADE tickets are attached- dated XX/XX/XXXX ( for XX/XX/XXXX trip ) The first ( original ) tickets are also attached- dated XX/XX/XXXX The AIRLINE INFORMATION SHOWING NO PREMIUM CLASS is available on XXXX XXXXs is also attached.

PHOTOS of our ECONOMY CLASS BULKHEAD SEATS are attached to show that we never sat in Premium Economy and did not receive the service/seat that we paid for. 

We should not be charged for goods/services never received or that do not exist and ask for a REFUND of {$1600.00}. American Express is responsible to protect the consumer against false/scam sales or sales of goods/services that are never received. In this case, we were sold something that doesn't even exist!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: MD
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 asking for Experian to remove inaccurate information on my credit report. They are reporting misleading and incorrect information. For XXXX lending account # XXXX .. they have it is a charge off account when indeed it is not. For the XXXX XXXX, Account # XXXX they have that I have 1 month terms for an account that is in collections but the oc is still holding the debt. Which is inaccurate. They have account date opened in XX/XX/XXXX but never reported the the history for XX/XX/XXXX year. Where is the rest of the information? XXXX XXXX Account # XXXX has not been verified. I have reached out to the original creditors and they arent even able to provide me the information that I want to verify my own account. I have asked that they remove the negative items or verify the information under section 611.  They have failed to verify anything. I have not received any copies of my original contract and signature. They have continuously reported inaccurate information for over 1 year now. I am asking that they verify the accounts immediately with my original contract and signature under section 609 of the FCRA law and if not they need to remove it. I am also asking that they provide a sworn affidavit stating that they followed the law verifying all accounts. Furthermore, if they do verify these accounts. I would like to know each person they spoke with, the time and date and all copies of any documentation they have to support the accounts they have continued to verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: MN
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:
They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Mr. Cooper Group Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My wife and I relocated to Georgia 1.5 years ago. For 9 months we've been out of a kitchen & laundry room ( insurance claim ). 

For the past 2 months we have been working diligently with Mr. Cooper to take action on the necessary steps required to have funds released for our contractors to complete the repairs and every single time we provide them with what they need, they change their tune and add additional requirements. 

We have spoken to Mr. Cooper at least a dozen times and they assure us every single time " that's all they need '' ... until it's not. 

Quite frankly, I believe what is happening is they are holding on to the roughly {$40000.00} to profit off of our hardship. 

This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've had my American Express platinum card for about 9 years now, and have always had about {$10000.00} in spending power and i called in sometime last year to increase this limit which i was approved for in the amount of {$20000.00}. In recent months I've needed to spend more for business expenses, between {$3000.00} to {$6000.00} and I received a email stating that im reaching my limit/over spending and i thought that was strange becuase i've never gotten that before and my limit should be {$20000.00}. I recently tried to make a charge for the amount of {$800.00}, and my current balance is at {$900.00}, and the charge was declined and when i called customer support to see why, they said my spending power is only {$2000.00}! And for some reason now there is no history of my approved request of {$20000.00}. Even if a decrease was made by them, i have gotten no notice what so ever about this and has become the most inconveniencing experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts with Transunion to deleted inquiries from my report that they have not verified. I have made no inquries with the following companies below. I have me attempts to contact the company inwhich all of them with no response. Spoke with Transunion on XX/XX/XXXX at XXXX and they are telling me that XXXX of the companies are not in my report. However, as I explained to them, they are still on my Transunion report from the Transunion website. I would like these inquires to immediately be deleted from my credit report and a copy of the report to my mailing address. The companies in question are XXXX XXXX XXXX via XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX Requested On XX/XX/XXXX XXXX MORTGAGE XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Requested On XX/XX/XXXX This is from my actual Transunion credit report. So for them to tell that they dont show them is proof that they did not verify these inquiries and I would like them to be Deleted from my credit report immediately. Thank you

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 2023-02-01
Company: EQUIFAX, INC.
State: PA
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 recently received a copy of three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Care says that they never received my XXXX payment. I have had countless phone calls with them totaling countless hours on the phone. I have spoke to representatives, managers, supervisors, I have even had my bank on the phone with them. I have sent them countless e-mails with all the information they ask for to fix the issue. Each time Loan Care assuring me or us that they have the information they need to handle the problem and assured me it would be fixed. It is now unbelievably XX/XX/XXXX and it is still not handled. I have never missed a payment on anything in my life. This was my first scheduled payment with them once they got my mortgage from XXXX and obviously they didn't handle the switch correctly as every payment after was made the same exact way and they received it just fine. I am at my wits end with this company as they are unable to fix the problem and essentially stole my money. I have even had managers PROMISE me they would call me themselves at a specified date and time multiple times and they never got back to me.

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