BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2021-06-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021, I ordered my free annual credit report ( to include all three credit bureaus : Equifax, XXXX, and XXXX ) by way of telephone number XXXX. After the automated system collected the required information, it stated that I would receive the credit reports within 15 days ; however, today is XX/XX/2021, and I have not received the reports. The reports should have been received no later than XX/XX/2021. Given the reports contain a significant amount of personally identifiable and other confidential information, it should NEVER be in the hands of identity thieves or other perpetrators. For example, the reports contain confidential information such as : creditors and account information, account numbers, balances, payment amounts, employment information, current and former addresses and phone numbers, and other confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
BBVA advertises special offers to credit card holders. They are called " Simple Cash Back '' offers. Customers can view their offers and enroll at bbva.usa.com. I enrolled for an offer on XX/XX/2021. The offer was to get {$50.00} cash back after making two purchases with XXXX XXXX XXXX wireless. I made the two purchases but because of the way that XXXX XXXX XXXX split up the charges, the offer was not automatically triggered. I have contacted BBVA seven different times by telephone and by online secure message to get this corrected. After spending hours on hold, and twice being told that a supervisor would call me back only to never receive the promised call-back, I have concluded that it will not be possible to resolve this issue through the changes that BBVA has made available. I have yet to speak with a single customer service representative who know what a " Simple Cash Back '' offer is. This is despite the fact that BBVA advertises these offers as a feature of their credit card products ( see https : //www.bbvausa.com/digital-banking-services/cash-back-rewards.html ). When I call the number listed on BBVA 's website for questions about these offers, I am told that I must call a different number and talk to the credit card division. When I call the credit card division I am told I must call a different number and talk to the rewards division. When I call the rewards division, I am told they can not see any offers on my account. I have submitted receipts and screenshots of the offer via secure message ( see attached screenshots ), and in response I was told, once again, that I must call the credit cards division. I have asked twice to have this escalated to a supervisor, and the representatives on secure message simply ignore these requests ( see attached screenshots XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AMERICAN EXPRESS COMPANY
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:
Have an AMX card for over 32 years. Always pay on time and in full. Paid a date late XX/XX/XXXX XXXX bill due XX/XX/XXXX was charged a late fee of {$29.00} plus {$8.00} in interest for this. Was informed that they couldnt change or correct because it was a system thing. Some restitution was discussed but morally I believe that AMX in this time of the virus and financial struggling times should not try to rip off its customers, especially those with my good standing and years of commitment. Would like to know if customers have no protection against this, especially in times of COVID-19 and the present financial conditions?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I noticed in XX/XX/2019 that my credit limit was reduced from XXXX to XXXX. There is no reason why. If you check my history with the company I have never been late. On my credit report I don't have any late payments to any creditors. So I am wondering why an adverse action was taken. I have never had a high balance with them never missed a payment etc ....

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 2018-05-02
Company: Northstar Location Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called by this " Northstar Location Services '' company, stating I owe money. 

They do not mention to whom or how much debt I owe. I get phone calls from them almost every single day, for a few weeks now. 

hey always leave a voicemail, but tell me just that I owe money and identify only that they are " Northstar Location Services '' They call repeatedly and do so during my work day, disrupting my XXXX and causing workday issues. I feel like this is harassment at this point because they just keep calling, even though I send it to voicemail and/or do not answer since it is workday hours. 

I have been phone as early at XXXX by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: MI
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 a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this as well.

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 2021-07-12
Company: 360 Credit Consulting
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I began service with 360 Credit repair in XX/XX/XXXX @ $ XXXX/month for credit repair. During the first 3 months, this company admittedly did not send out any inquiries. From XXXX until XX/XX/XXXX, they assured me that things were being removed and would eventually update or show on my credit report. Needless to say that in XX/XX/XXXX, after months of no response from the rep XXXX XXXX XXXX, supervisor ) for 3 months, I called to cancel my service. I pulled my credit report and saw that everything that was supposed to have been removed, from the beginning, was still on my credit report. XXXX XXXX essentially lied & told me that 'mortgage companies don't look at medical bills '. Another lie to make up for the lie in XXXX that my medical bills were removed then. She tried to still charge me for another month, after admitting that she had no further work to do on my credit ( even though there was nothing done all together ). This company is a fraud. For months, she, as a supervisor, lied about work being done to repair my credit ; while no work was really done at all for the entire time ( 11 months = {$1100.00} ). I have emails from XXXX that confirm my disputes as well as my claims about the items not being removed, after she lied for months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06
Company: Checkr, Inc
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I apply for a position online with a company and they recieved a criminal background record without my consent, The information on my record is 14 years old and Im poceeding to have it seal along with another charge that is 7 years old this information is denying me from becoming employed and I am exsperiencing XXXX, and Im trying to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: NC
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 a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is regarding the Public Sevice Loan Forgiveness program servicer, Fed Loan Servicing at XXXX ( PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ). I have been attempting to go through the PSLF process since XX/XX/2017 after making 10 years of on-time payments while employed with a qualifying employer. Because of the whole " qualifying payments '' misinformation, I was directed to the Temporary Expanded PSLF. I was also denied for this process, again, because I was given bad information by XXXX XXXX XXXX. The entire PSLF process is just a rouse. They make the process purposefully cumbersome and purposefully provide bad information so that they can perpetually deny the applications they receive. It was easier for me to purchase my $ XXXX house than get through the PSLF process. This program never should have been given to a private servicing firm outside of the DOE, and of course, now that XXXX XXXX is in charge of it, nothing moves forward to help student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Failure of Discover to investigate chargeback dispute in good faith On XX/XX/XXXX, I booked a trip to celebrate my 50th wedding anniversary with XXXX XXXX XXXX  ( XXXX  ) ( Reservation Number : XXXX ). I have uploaded the Invoice from XXXX. 

On XX/XX/XXXX, I discovered, while visiting the XXXX  web site, that XXXX   had, without my knowledge or consent or informing me in anyway, rebooked our trip for XXXX. 

Since XXXX  was NOT providing the travel services I purchased, in accordance my contract with XXXX  ( copy uploaded ) and with the Massachusetts Law ( 940 CMR 15.06 Sellers of Travel Services Acting as Tour Operators - copy uploaded ) I informed XXXX  on XX/XX/XXXX that I rejected the rebooking and required a full refund for the canceled trip. 

I filed a dispute with Discover ( Dispute # XXXX ) for the {$15000.00} charge to my account ( Discover : XXXX ). The other charges were also disputed and have since been settled with the charges being refunded by XXXX. 

Discover was provided with all the documentation above ( the contract and the Massachusetts Law and a copy of the XXXX cancellation of our trip  ) that demonstrated that we were entitled to a full refund. Discover denied our chargeback and the dispute was closed on XX/XX/XXXX. I have uploaded the closure letter from Discover. 

I then sent Discover a copy of an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX acknowledged that we were due a full refund ( copy uploaded ) for our canceled trip and indicated that a refund would be made ONCE THEY WERE NOTIFIED BY DISCOVER THAT THE DISPUTE HAD BEEN CLOSED. 

Discover then reactivated, on its own authority, the dispute on XX/XX/XXXX and sent an Arbitration Notification to XXXX. ( copy uploaded ). Since this was contrary to the request in the XX/XX/XXXX e-mail from XXXX XXXX that the dispute had to be closed for XXXX  to process the refund, I call Discover and requested that they close the dispute and notify OAT so that I could receive my refund. 

Discover closed the dispute but FAILED TO NOTIFY XXXX  AND HAS CONTINUE TO REFUSE MY REQUEST TO NOTIFY XXXX  OF THE CLOSURE. I have uploaded an e-mail from XXXX, dated XX/XX/XXXX, in which XXXX XXXX indicates that XXXX  has NOT been notified of the closure of the dispute and has therefore NOT process my refund. 

Discover has acted in BAD FAITH by not finding in my favor despite the documentation provided. I have also uploaded a chat segment with Discover dated XX/XX/XXXX that shows that Discover was notified by XXXX   that XXXX  accepted financial liability. Discover failed to post a refund for {$15000.00} to my account despite knowing that my dispute was valid and has obstructed my attempts to achieve a resolution with XXXX by refusing to notify XXXX that the dispute has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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 was using my chase credit card like a regular credit card one day it just got declined so when i called chase they just told me that they decided to close my accounts and end our relationship with no reason for why it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the date of XX/XX/2021, Aspire Servicing center added a derogatory mark on my credit report ( XXXX  ) per XXXX XXXX. Upon further research, the debtor has not provided original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and not to mention that any one can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account from all three credit bureaus immediately.

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 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am constantly harassed by collection agencies that I have never had any business with over the course of five years. The latest " agency/arbitrator '' that contacted me threatening to garnish my wages up to 25 % was XXXX XXXX XXXX from ( XXXX ) XXXX. They had my social security number and my date of birth. The debt I owed was paid in full in the year 2011 and I have been harassed since then by multiple collection agencies and arbitration offices that have little to no information publicly available. Whenever the collector is pressed for information about how they got my personal details, they get defensive or disconnect the telephone line.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: AZ
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 applied for an auto loan my credit union informed me that my debt to income was too high. I found that Experian still showed a mortgage on my account. 
On XX/XX/XXXX I filed a dispute. I was then asked to fill out a survey and my only complaint was the amount of time to resolve the issue which was XX/XX/XXXX. 
On XX/XX/XXXX I was informed the dispute was resolved. I have had a mortgage with XXXX XXXX since XX/XX/XXXX. I sold my home and closed on the XXXX of XXXX, XXXX and XXXX XXXX was paid in full on XX/XX/XXXX. 
The resolution I received of XX/XX/XXXX said my mortgage was discharged through bankruptcy chapter XXXX in XXXX. 
My home was never part of my Bankruptcy and I made my monthly payments until XX/XX/XXXX. 
I believe that since they saw a bankruptcy that they just assumed the debt was discharged. 
I filed another dispute with Experian on XX/XX/XXXX stating they are in correct in regards to my mortgage. They are still working on it. I have no names of any personnel at Experian but I believe because I complained that it shouldn't take so long they decided to show this debt was discharged when in fact it was not! 
When I contacted XXXX XXXX they said they would indicated the balance was paid in full and the account closed.

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 2021-10-23
Company: Nelnet, 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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: ACIMA CREDIT, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lost my wallet that has my identity and debit cards and then someone found it and used for purchasing of item with my debit card and ID from the company called Acima with lease number XXXX since then the company they bought the item from has been disturbing me with debt collection and I have tried my best to reach out and explain things to them that I have no idea of what they talking about and they threaten to damage my credit by reporting the debt to debt collection and credit bureaus for the damage of my credit so I'm filling this report to help me put a stop to it and I will be grateful if my request can be considered..Thank you

Company response to consumer: Closed with explanation