BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
I applied and was approved for an American Express " Gold Delta SkyMiles Business '' credit card on XXXX XXXX, XXXX. As part of the application, I was offered a promotional " welcome offer '' consisting of XXXX bonus XXXX SkyMiles. This offer carried the following terms : " Earn XXXX bonus miles after making {$1000.00} in eligible purchase on the Card in the first 3 months ( 92 day ) of Card Membership. The Welcome bonus offer is not available to Applicants who have or have had this product. The bonus miles will be credited to the Card Member 's SkyMiles account 6-8 weeks after they meet the {$1000.00} purchase requirement. '' This offer is verified in a chat excerpt that is attached. 

I met the spend requirement of {$1000.00} on XXXX XXXX ( 87 days after approval ) with a purchase totaling {$37.00} to XXXX XXXX Now, which gave me a total spend of {$1000.00}. I have included my billing statements for all months the account has been opened to verify this. 

After waiting the specified 8 weeks from meeting the spend requirement, I reached out to American Express requesting a status on the whereabouts of the missing points. I was told there is a system issue that is causing points to not be credited. I was given a chat id of XXXX to note the conversation in which I requested the points be issued. American Express advised the investigation would take several weeks, but it has been almost a month beyond when the points should have posted. Screenshots of chat excerpts have been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a settlement letter for a debt of XXXX from XXXX on behalf of XXXX XXXX the letter said I could settle my debt by paying them XXXX. By paying this amount XXXX would close the account and contact the 3 credit Bureaus and remove the negative collections from my record informing them this had been settle. After that I notice the negative collection was removed. So I was happy about this.. 

XX/XX/XXXX rolls around and I see the same account with now an amount of XXXX posted to my credit report as an open account with XXXX XXXX in collections. 

I reach out to the XXXX number on my letter and the woman on the Phone says that they are no longer XXXX they are now call resurgent capital out of XXXX SC. I went ahead and told her that I notice a closed account that I had remove from my credit report was now showing back on the credit report. I informed her of my settlement with XXXX and provided her with a confirmation. She went on to say that they bought these debts account from XXXX and that although my account was settle with XXXX on behalf of XXXX XXXX that in their record my account was still showing open so they reported back to the credit bureau and that they could not help me in removing this negative collection from my records. I ask how could they buy closed accounts that were settle at one company and try to recollect additional money from the consumer. She had no answer and informed me that her company does not remove settle collections from the credit bureau even if they are settle. Why would I be told that this was to be removed by XXXX then remove from my credit report to be sold to another company and reprocess again as bad debt. How are these companies allowed to do this. And how is the credit bureau protecting the consumer from such fraudulent processes. This is fraud in so many levels. I believe this should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Portfolio Recovery many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX XXXX. I asked for who the name of the person was that they spoke to at XXXX XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Portfolio Recovery and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Portfolio Recovery. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.

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 2022-08-10
Company: EQUIFAX, INC.
State: GA
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX Account Number : XXXX XXXX : {$580.00} 2. XXXX XXXX Account XXXX : XXXX Bal : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.

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 2022-04-07
Company: Affirm Holdings, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently on XX/XX/XXXX I filed a dispute with the credit bureau XXXX. I noticed this company showed up on my credit file as a loan account showing " IN GOOD STANDING/EXCELLENT PAYMENT '' history, I quickly filed a dispute with XXXX. I never approved of this loan, nor does it show up as an Inquiry on my credit file. They just popped up out of nowhere on my credit file. I never gave this company my personal information such as, date of birth, social security number, or address, and have no idea how they got it. Just after a few days of reporting I was making excellent payments, its now showing " delinquent '' payments, and " first payment never received ''. The attached document shows that I supposedly made an " on time '' payment in the month of XX/XX/XXXX which is not true. Very contradicting and suspicious company. I believe this is a fraudulent company trying to get money out of me. Please see attached supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Nelnet, Inc.
State: IL
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:
The capitalization process with Nelnet is unconscionable and unfair. I have a balance of over {$140000.00} in student loans with Dept of Ed serviced by Nelnet. I have been trying to pay them off one loan at a time. I was on an income-based repayment plan. Recently, I received a letter that I need to recertify otherwise my payment will go up. At the time, I was on maternity leave and out of the country, and my tax documents were not with me. So, I submitted my loan application on XXXX XXXX a couple of weeks late. I expected that I might pay a small fine or a higher payment for a month. My payment is going up on XXXX XXXX, XXXX from {$320.00} to {$1400.00}. However, on XXXX XXXX, XXXX, all my interest on all the loans was capitalized. 

I never received a warning or letter that they will capitalize the interest if I do not certify. I have not been late with my payments. Because of the amount of my loans that means that I will pay extra thousands of dollars for the duration of the loan. When I contacted Nelnet, I requested that my capitalization is reversed as I have already recertified. They said that they can not reverse it. Even the team leader XXXX admitted that their education efforts are not sufficient. This is the third time XXXX has capitalized my interest : first time, at the end of my grace period, the second time at the end of my forbearance period couple of years ago and third time now. How is the Department of Education expecting us to pay these student loans when they are forcing us to pay interest over interest over interest over interest at 6.55 % and 7.65 %? 

Furthermore, Nelnet warns you only about the immediate increase of payment. They do not explain how the income-based plan works in a long-term ; basically, these are negative amortization loans : the interest per period is not fully paid, and the outstanding balance increases over time. So, the debt only gets bigger and bigger. 

At last, there is no information or warning that Nelnet is capitalizing your interest and why. I have attached one of the form letters that I received regarding the recertification. Nothing has been mentioned about capitalization of my interest if I am late with the recertification. Of course, that will mean that my loan gets bigger, my time for repayment is longer and Nelnet service contract is longer and more lucrative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions 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:
This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at XXXX that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The XXXX breach allowed other attempts o my and millions of other Americans Profile with the past year. I Believe if CFPB can not compel Experian to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see 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 2017-09-30
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ic system inc is trying to collect on a debt that originally defaulted over 9 years ago. It 's now on my credit report and their attempts to collect are beyond az statute of limitations.

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 2019-10-10
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Eagle loan is charging me fees I didn't realize. They are also calling the loan secured but I didn't give them collateral. 
I have made 5 payments of {$190.00} which totals {$970.00}. I only borrowed {$1400.00} and they told me to pay it off would cost {$1200.00}. Is that legal in the state of Ohio?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/19 - I went to XXXX to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not Equfax or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Patenaude & Felix A Professional Corporation
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. National collegiate student loan trust has law suit against me to garnish my wage has the co-signer which I can not afford. I am a one year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-10-02
Company: EQUIFAX, 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 information incorrect

Complaint:
I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with XXXX and XXXX on debt that is currently included in my Chapter XXXX XXXX case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: NY
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:
Experian keeps reporting inaccurate information on my credit report and refusing to remove it. I disputed 2 items XXXX XXXX and explained to them I NEVER had a XXXX XXXX account and provided proof of my identify via mail. I am currently identified as 4 different names on my credit report and provided proof such as my marriage license and birth certificate that I should be recognized under 2 names only ( maiden name and married name ). So by them making the proper adjustments on my name, that will show proof I NEVER opened a XXXX account this year or any year for that matter. Not to mention, I've NEVER even had my own mobile account as I've always been under my husbands plan. Also, they are reporting XXXX XXXX which is a collections agency that was under litigation with me in court. XXXX removed this from my account, but Experian is still reporting this. They ( collection agency ) had taken me to court and I WON the judge ruled in my favor and I expressed this and it's still on my account. My husband and I are in the process of buying our first house and this inaccurate information is affecting my future.

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 2017-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...

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 2022-04-07
Company: Experian Information Solutions Inc.
State: CA
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:
Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX  Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( XXXX, Experian, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX Finance XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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