BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: AMERICAN EXPRESS COMPANY
State: MD
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 American Express Platinum credit card on XX/XX/2018. 
They advertised that you will get XXXX Membership Rewards bonus after spend XXXX USD in the first 3 month. 
I met the requirement for the welcome bonus but I haven't got the bonus. 
I talked with American Express agents for several times and they response that I applied through a third party link which was not qualified for the bonus. I searched multiple times on the internet trying to find a third party link that is not qualified for the bonus but I just can't find one. I asked the agents to show me an example of such link and they said they are not allowed to do so. I asked for some XXXX search hints or directions for finding such a third party link and they refused to provide any information about such third party link. 
I have the screenshot I took when I applied the card. The screenshot has information about what American Express advertised about the card I applied. 
I have the previous correspondence with Amex agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: CA
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 contacted all three Credit Bureaus/Agencies ( XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX Sent funds to a XXXX user for XXXX . These funds were sent in exchange for concert tickets. 
Concert tickets were not sent, and I attempted to reach XXXX user XXXX. After sending the funds, and never receiving the tickets. I contact wells fargo and XXXX. 
XXXX Sent an email to XXXX  , and opened a case XX/XX/27 at XXXX Called XXXX to report the user, and  receive the funds back. XXXX told me to contact my bank ( wells fargo ) XX/XX/27 at XXXX Called wells fargo, after opening a dispute case. Wells fargo said that they were unable to dispute my transaction, and that I needed to contact XXXX. 
XX/XX/27 at XXXX Called back XXXX and they then again referred me back to my bank. 
XX/XX/27 at XXXX Called Wells Fargo one last time in hopes they could assist me, received the same response Neither companies were able or willing to help me. XXXX did not even take action on a user collecting funds from an individual who doesnt provide the product. Now I am out XXXX , and did not receive the product I was looking to purchase, and had no help from either company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been disputing my derogatory accounts with Equifax and they haven't provided a single thing for me. I recently called Equifax to get an update and make sure my disputes were going through and taken care of. Equifax informed me that they had not received a single dispute. I have sent multiple disputes so I'm confused as to how none of them made it through? There are erroneous items on my credit report that must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Commonwealth Financial Systems, 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:
COMMONWEALTH FINANCIAL ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX  XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS TRANSACTIONS. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have a debt with XXXX XXXX dated 2017 XXXX XXXX bought the debt and run a inquiry on my crwsit when they want to. 
I have a ibquiry from XX/XX/XXXX and XX/XX/XXXX I called them they say that they can do it as long as I'm in debt the orignaly inquiry in from 2017 now I have 3 and twonin a two month time spand when I nwve autorize them or gave them permission or mm y I'd or aigned a contract with tower loans

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 2018-01-29
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I do not make enough money to pay over {$700.00} a month to Sallie Mae due to the troubles of finding a job after college. I am currently working as a server, along with bills ; a {$110.00} car payment, {$700.00} in rent, $ XXXX {$110.00} a month for utilities, ~ {$170.00} for federal student loans, and not mention the costs to survive. On XX/XX/XXXX around XXXX I was told I could go into a program that would put my loans up to date. I would have ~ {$270.00} taken out of my account automatically for 3 months. This would be the new payment for 2 years and I might be eligible to reapply after this period of time. I was told that it would also lower my interest rate to ~3 % during this time. My co-signer also is unable to help pay with these loans. These were the terms set due to her financial situation as well. Two payments were taken out, yet we were still getting past due notifications. To understand why this was happening I called Sallie Mae on XX/XX/XXXX to see what the confusion was. As it turns out, without giving us proper notification, we were denied for this program and the already hefty XXXX a month has now grown over two months. They breached our contract with deception of the worded confirmation they sent us in the mail, yet did not send anything mentioning our " denied '' form about the program they so happily took money for. I was not told anything until I called. They record all of their calls, with our call I believe I can prove that they went against their word. This yet another unethical deception of Sallie Mae that any XXXX search can bring up. Salt to the wound, we asked of we could get any of this in writing and was told they " don't do that ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/, 2017, I purchases a new vehicle at XXXX XXXX XXXX. I noticed that on my credit report there are three ( 3 ) hard inquires which were not all authorized by me. The unauthorized inquiries are from the following financial institutions : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX and covert outsorcing both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america. someone took advantage of me and my family. 

XXXX  rep said we cant understand your language go to school then call us. 

outsourcing rep only said we cant help you you must pay or your credit will be ruined and its on you if you get deported.

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 2018-01-29
Company: RentDebt Automated Collections, LLC
State: GA
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 moved into XXXX XXXX in XXXX, GA onXX/XX/XXXX, 2017 and during my walk throughout without anyone from management I found pet hair throughout the apartment. I had an XXXX reaction sleeping in the apartment and notified the office immediately. They had someone come out and clean the carpet XX/XX/XXXX/17. That didn't work and I was still having health issues so they had some come do and XXXX cleaning which I had to be out of my apartment for all day. I told the office pet hair was still in the carpet and due to my XXXX I would have to move out since they didn't replace the carpet. I'm being charged for having to move out due their negligence of properly cleaning the apartment and feel I shouldn't be charged for having to move early because I'm XXXX. I told them I hadn't moved all my things in yet so whatever needed to be remove the carpet, etc could be. This is affecting my credit and I've tried working this out with them several times. I'm being charged {$1900.00} for termination

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: ARS National Services, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX and ars Live wa state received community discharge for my spouse ch XXXX bankruptcyXX/XX/XXXX -gave XXXX  XXXX case number and attorney info etching Emailed the bankruptcy dept of XX/XX/XXXX including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from ars national services Inc seeking collection of XXXX for XXXX of my XXXX XXXX accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling ellan financial for collections on harborstone account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXXso I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I attempted to transfer {$10000.00} from my Chase checking account to my account at XXXX. The transfer was initiated from my XXXX account via my online account, and {$10000.00} amount debited from my Chase account on XXXX, but no amount was ever credited to the XXXX account. XXXX first claimed to have rejected the transfer, and most recently, is claiming that they never received the credit from XXXX, the third party bank intermediary for the transfer. Over multiple days and hours, I have been bounced back and forth between the various ACH and Claims departments at each of the banks, each bank telling me that they can not do anything in this situation and that it is the other banks responsibility to file a claim with XXXX because they do not hold the chargeback and/or recovery rights. It is now XX/XX/XXXX, and I am still without access to the {$10000.00} or any resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2022-03-01
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account I contacted Med Data Systems with a letter on XX/XX/2022, asking them to send me information so I can verify the account and they never have. 
MED DATA SYS XXXX These accounts listed below were just added to my credit report with out Med Data Systems sending me a XXXX XXXX. I want these accounts to be removed from my profile due to them not following the proper procedures MED DATA SYS XXXX MED DATA SYS XXXX MED DATA SYS 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 2019-09-13
Company: BC SERVICES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has made a charge for a service which it did not render for me, the patient. A charge of {$500.00} was applied to my account for XXXX storage on XX/XX/XXXX by XXXX XXXX XXXX with a Diagnosis code of XXXX. This charge was mistakenly applied to a service not rendered. 
The initial freezing and first year of storage occurred on XX/XX/XXXX and I paid {$300.00} for both. The next year I chose to transfer the vials to a new facility. XXXX XXXX facilitated the transfer on XX/XX/XXXX. She assured me that because it was within the same week of the first years expiration date, that I would not be charged. She said that I XXXX receive a couple bills until the charge was cleared, but to call if that didnt happen after 2 months. 
After receiving a bill on XX/XX/XXXX, I began calling XXXX XXXX, business office, to dispute this charge. I called and left messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She never returned my calls. I also called XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and they were also unable to resolve this issue. On XX/XX/XXXX, this bill was sent to the collection agency XXXX XXXX. 
I have been called by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I called them back on XX/XX/XXXX to discuss the charge and tell them I am disputing it. I have also submitted a form on their website saying that I dispute the charge on XX/XX/XXXX. 
In the afternoon of XX/XX/XXXX XXXX XXXX did return my call and assured me she would expedite cancelling the charge and it would be resolved in 8 business days. I sent the attached letter and supporting documents to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to document my dispute.

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 2020-04-26
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of MED SOC/BUR OF MED ECON opened a collection and reported an amount of {$1200.00} claiming I owe such amount from XX/XX/2020 the information reported is false and I suspect this information to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2018 with a balance of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: ERC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: CA
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 VICITM OF AN IDENTITYT THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THAT ACCOUNT ARE FRAUDULENT, THE ACCOUNT WAS A RESULT OF AN IDENTITYT THEFT. MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE. I AM IN A MIDDLE OF IMPROVING MY POSITION AND THE NEGATIVE ACCOUNT IS EFFECTING MY LIVELYHOOD.

Company response to consumer: Closed with explanation