BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Company involved : American Express I 've received an offer on my American Express XXXX XXXX XXXX card via email on XX/XX/XXXX. The offer is to add up to 4 additional users, spend {$250.00} on each of the card, and receive {$25.00} statement credits. 
I added all of the four additional users via the links on email, completed the purchase agreement on XX/XX/XXXX, XX/XX/XXXX ( on two cards ) and XX/XX/XXXX, respectively. But so far I only received one reward ( {$25.00} ) on XX/XX/XXXX ( which is indicated as " XXXX {$25.00} Statement Credit '' on the XXXX statement ). I 'm still waiting for the other three ( {$75.00} total ). 

During the process, I also received a lot of disruptions about " insufficient information '' on those 4 additional user accounts. I 've contacted Amex customer service THREE ( 3 ) times via online chat trying to provide the information. Each time the agent confirmed that information was updated successfully, but I kept receiving the same emails over and over again. ( I have screenshots of the last conversation where the agent confirmed all information was updated correctly ) So eventually those 4 additional user accounts were all closed after 60 days of open. 

Then, I contacted them again about the missing rewards ( 3 * {$25.00} = {$75.00} ),  the chat agent stated that they will start an investigation on this matter, also confirmed that I will still receive the rewards if the result is in my favor. ( I have statements proving all 4 four cards have met the spending requirement, also the screenshot of the chat agent confirming the above words. ) Amex keeps saying the investigation will take up to 8 weeks, but yet 10 weeks have passed and nothing was confirmed. I contacted them again on XX/XX/XXXX ( See how long it has been ), the only thing they do is, again, stalling, and saying they will need another 1-2 weeks. 

This is basically the process and why I 'm filing the complaint : Primary reason : Missing rewards for {$75.00} ( 3 * {$25.00} ) that was supposed to credit my account long time ago. 
Secondary reason : I keep updating the account information three times but still those accounts were closed due to insufficient information. 
If applicable, please focus on the primary reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit 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 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 2018-01-20
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, My son contacted me by text, to inform me of a call he'd received from XXXX XXXX XXXX XXXX XXXX XXXX ( " A law group '' ). He informed my son of an amount due and said that they were filing a court case against me, that I " had committed fraud '' On XX/XX/XXXX I was able to reach XXXX XXXX. I contacted him, to gather information. I assumed the original debt, had been " sold '' to his company. I asked for an account number and the address of the company. XXXX XXXX began a verbal assault of my character and cited details of my credit report to back his assertion that I am " a loser '', and refused to give me an account number or their address. XXXX XXXX called me a " loser '' several times and said, among other things, that I " rip people off ''. There was a lot... 7 mins of character assassination. I was able to record the last 2 min or so. XXXX XXXX said the debt about was {$2000.00} more than it actually is. I also reminded him that it was illegal to have informed a member of my family of the debt amount and I felt certain it was not correct. He verbally assaulted me some more. 

Through more research, I was able to find the actual " owner '' of the debt - XXXX XXXX XXXX XXXX. They " outsourced '' the collection, but XXXX does not " own '' the debt. I was also able to ascertain the correct balance and the representative I spoke with ( at XXXX XXXX ) said there was no reason for the account to be {$2000.00} more. 

Not only did XXXX XXXX threaten me with jail, and verbally assaulted me, saying I was a criminal and a loser, he tried to coerce {$2000.00} extra dollars from me. 

I am so grateful I persisted and found XXXX XXXX. They have agreed to " pull back '' the account from XXXX, so I should not hear from them. 

XXXX is not capable of decent conversation, compromise, or negotiation on behalf of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: BARCLAYS BANK DELAWARE
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:
I lost my card over the new year. On XX/XX/XXXX I saw an unauthorized charge of {$1100.00} on my account. I called the credit card company to file a lost/stolen card and disputed the charge. The company closed my account and issued a new card for me. The charge was taken off 3 days later. However, on XX/XX/XXXX the same charge appeared on my account again. I called the company again and try to find out what happened. Their investigation team determined that the transaction was valid, disregarding my statement that I did not have the card in my possession at the time of this transaction happened, I did not know anything about this transaction. I had to call numerous time for them to take any action on this matter, they were rude and condescending. Finally, they reopen the claim and issued a chargeback, however, they are not willing to further help and protect my right as their customer, I may get rebill again on this unauthorized charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 medical debts placed on my credit report with Equifax, these same accounts appeared on another bureau which resolved my case and removed these debts. I sent in verification and validation letters to verify and validate this account and to adjust the correct information by asking them to remove these accounts from my report. I received letters from equifax claiming this information was verified, under the HIPPA ACT my medical rights are a private matter. I do n't want any credit bureau looking into my medical file that 's between me, my practitioner, and the insurance company who was responsible for this bill from an accident back in 2014, during my settlement. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX**** reporting inaccurate on Equifax please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and Equifax please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-01-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into td bank in XXXX time 2017 and they told me my accounts have been a risk even tho I never did anything risky and I wud have to call customer service to get my balance {$160.00} sent as a check and they locked my account.. I called customer next day service and they said only bank manager of my local bank can approve me taking out my money so I spoke with my bank manager of XXXX ny on XXXX XXXX her name is XXXX and she said only customer service can do it and she cant do anything they kept me going in circles and I needed that money to pay one of my credit cards I had from a XXXX XXXX XXXX when I tried to transfer it to my XXXX XXXX credit card money I owed it kept undoing it causing me to have {$200.00} dollar fees and bad credit late notice on my XXXX XXXX to my credit report. Not to mention td kept charging monthly fees even though I had no access to the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: MoneyLion Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never open up an account with this company and i told them and they are not responding to me at all so i need this remove from my credit saying im late and i never open nothing with them before that's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my Experian credit report on XX/XX/XXXX and noticed XXXX credit card monthly status reflected " late ''. I spoke with a XXXX representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the XXXX of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort

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 2021-12-06
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of XXXX apartment on XX/XX/XXXX and paid all my utilities and closed my utilities account. 
When I saw there is a debt collection on my credit report, I reached out to National credit systems ( NCS ). NCS said that I did not pay utility bills and the documentation they provided says that payment activity and move-out date was XX/XX/XXXX. I asked them to provide any proof to prove that I stayed at XXXX apartments during XX/XX/XXXX but they did not provide any details and also they did not give me any contact details to reach out to Utility services. 

Even though I gave a call to first billing services where I used to pay my utility bill during my stay in XXXX Apartments and representative said that all payments are done and account is closed long ago. 

NCS is fraud and very rude on phone calls and not even trying to resolve the issue that they fraudulently reported on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: FL
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:
Requested my 3 credit reports through the web page XXXX XXXX XXXX   Online, but EQUIFAX after responding all the correct questions, they denied it to provide my credit report online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Prosper Marketplace, Inc.
State: PA
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:
On XX/XX/2018 Prosper loan submitted my credit for a loan that was taken out by another person. They addressed all the information and made the loan in this person name and used my social. I have contacted them to fix the error they made and to take it off of 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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my Transunion Credit Report and discovered some fraudulent accounts had been reporting in my name. Accounts that I have no knowledge of, never done business with the originator or the collections agency. I have contacted Transunion again via written certified letter and asked to provide me information that the have the helped them come to conclusion and determined/ verifed that this debt from this particular company, " XXXX XXXX XXXX XXXX partial account # XXXX '', belongs to me. I have sent them police reports and copies of my ID and an old lease of residence of where I was living when the theft/fraud occurred resulting in this account being opened. XXXX XXXX has not contact me about this debt, Transunion is the credit bureau that is reporting this fraudulent account. 

Years ago I was a victim of severe ID theft and still to date I'm delaing with someone who still has my personal information and trying to obtain credit in my name. 

I have attached the new police report I filed this year

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I paid a merchant for a service which was not provided ( XX/XX/XXXX ), but more damage created. Original service was for ~ {$500.00}. After " repairs '' I was facing ~ {$1400.00} in repairs, after 2 other opinions. I filed a dispute with BOA ( XX/XX/XXXX ) and supplied all required documentation to dispute charges. BOA refused to contact merchant and gave a list of excuses why they would not process the dispute ( 2nd opinion not on letter head- I had 2 second opinions 1 quote one paid invoice ), they were not signed ( they were typed on company invoices with technician name and company info ), they did not have cause for damages ( quote and invoice specifically describe what was wrong and how it created additional damage ), merchant was not described in second opinion ( quote stated " previously repair was done incorrectly and caused " parts '' to sieze up damaging " parts '' and requiring " parts '' replacement. Quote was same day and 28 days after merchant " repairs ). BOA refuses to help settle ~ {$500.00} disputed charges and failed to reply within 30 period stated.

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 2021-12-06
Company: Possible Financial Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i contact the company inform them this is not my account and that they need to stop reporting it to my credit i need this remove from my credit file

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: MI
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:
Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.

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 2018-01-20
Company: Medical Financial Services, Inc.
State: MI
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:
Im not sure of dates but one was from XXXX one from XXXX through XXXX that i never had or did anything for, also XXXX bills through the XXXX XXXX when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I originated a wire transfer on XX/XX/XXXX to a company called Coinbase to invest the money in cryptocurrency. I followed the exact instructions and wired {$4000.00} from my checking account to my Coinbase account. I confirmed with my bank that the wire was completed and also called the recipient bank XXXX XXXX XXXX who also acknowledged receipt of the wire on the XX/XX/XXXX.

As of today, XX/XX/XXXX, the money has not been credited to my account and all inquiries go unanswered. I have attached the wire information for your information : The wire originated from XXXX XXXX XXXX XXXX Transit Routing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX Confirmation Number XXXX From Account XXXX To Account XXXX Wire Processing Date XX/XX/XXXX Wire Submitted Date XX/XX/XXXX Amount {$4000.00} Receiving Bank Name and ABA Number XXXX XXXX XXXX, XXXX Beneficiary Name and Account Coinbase, XXXX XXXX ( Additional Notes ) XXXX Status Completed XXXX  XXXX Please find the address that I could locate for Coinbase : ( XXXX ) XXXX Coinbase, Inc 5 years in business XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Sadly, it seems that I am not the only Coinbase victim and I have read multiple posts from people experiencing the same issues.

Company response to consumer: Closed with explanation