BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: AMERICAN EXPRESS COMPANY
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:
I initially applied for the American Express Gold Delta Skymiles card on XX/XX/2018.  While booking my Delta Flight, a promotional offered appeared on the " payment '' section stating the following : 1. EARN XXXX STATEMENT CREDIT AND XXXX BONUS MILES. APPLY FOR THE GOLD DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS XXXX STATEMENT CREDIT AFTERY OUR USE YOUR NEW CARD ON A DELTA PURCHASE IN YOUR FIRST 3 MONTHS 2. XXXX BONUS MILES AFTER YOU MAKE {$1000.00} IN PURCHASES ON YOUR NEW CARD IN YOUR FIRST 3 MONTHS ... ETC. 

After I accepted the offer, and got approved, I received a message saying : " WE'RE SORRY, OUR SYSTEMS ARE NOT REPSONDING AT THIS TIME. UNFORTUNATELY WE CAN NOT PROVIDE YOU WITH YOUR CARD NUMBER AND CREDIT LIMIT RIGHT NOW. WHILE YOU AWAIT YOUR NEW CARD, WE WILL AWARD YOU XXXX IN THE FORM OF A STATEMENT CREDIT. WE APOLOGIZE FOR ANY INCONVENIENCE. IF YOU HAVE ANY QUESTIONS, PLEASE CALL XXXX. YOU WILL RECEIVE A STATEMENT CREDIT WITHIN 8-12 WEEKS ''. 

I waited the appropriate 3 months, and have yet to be credited my {$200.00}. I contacted several American Express representatives via phone AND email, and have no resolution or response. Nobody has contacted me as promised. Each customer service rep that states they will research the issue has not followed up with me. 

I contacted representatives on 5 separate occasions in the month of XXXX. ( The only dates I have documented are XXXX XXXX on XXXXtelephone and email. Follow up email to her sent on XXXX. On XX/XX/XXXX I spoke with XXXX in the XXXX Florida office. XXXX on a XXXX ). Each representative states that they can not find this offer even though I printed the offer and the inconvenience screen and forwarded them to AMEX for further research. 

I would like to get this rectified as soon as possible. I have fulfilled the offer on my end, and Im hoping that AMEX does their part in honoring this. I spent the XXXX in 3 months, which included a Delta purchase, and also kept my account in good standing.

Please note that when looking through the statements : 1. The XXXX statement credit is the inconvenience from AMEX since they would not provide the credit card number at the time of my purchase 2. The XXXX statement credit is from the prices going up from the time that I initially tried to book my flight with Delta and the time it took to receive my credit card. 
Both of these credits are UNRELATED to the promotional offer. I have included all documentation for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020, I signed a lease contract with Audi Financial Services ( " AFS '' ) to lease a vehicle for 36 months. The contract stated an agreed monthly payment stream of {$510.00} for the 36-month lease period. My cash due at signing was {$4000.00}, this included my first month payment of {$510.00} for XX/XX/2020. On XX/XX/2020, I received an email from AFS notifying me that my next monthly payment for XX/XX/2020, is {$510.00} instead of the negotiated monthly contract of {$510.00}. I proceeded to look into my account history with AFS and noted that my previous XX/XX/2020 payment was also drawn at {$510.00} instead of the {$510.00} negotiated contract payment. The Audi dealership and AFS were both contacted at multiple instances once this error was discovered ; however, they were unable to resolve the issue although they confirmed my lease contract documents did note a monthly payment of {$510.00}. On XX/XX/2020, I made aware to the individuals from Audi that I am currently employed as a XXXX XXXX   XXXX XXXX XXXX XXXX  and what they were doing was illegal. In addition, I told the individuals that I would be filing a formal compliant with CFPD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: AR
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was a card owner with Bank of America since 2016. I learned that they shut down my credit card account because my credit score had gone down by 100 points. I was not notified of this cancellation or the reason of the cancellation.

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 2018-08-10
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: Account status incorrect

Complaint:
Equifax has continually and consistently failed miserably at maintaining any sense of accuracy, correctness, or fairness with regard to maintaining my credit report. 

During the course of the calendar year XXXX and eight months into the calendar year XXXX, I have disputed the incorrect reporting of duplicate accounts from XXXX XXXX directly with Equifax via mail, certified mail, and online via their customer portal. All attempts have failed, without any reasonable research, effort or response beyond the standard automated response from Equifax. 

The amounts being reported incorrectly are {$3000.00} on one entry and {$0.00} on a second. Both contain multiple inaccuracies, along with information that is simply wrong! These entries and inaccuracies are causing me many issues when trying to gain new credit or extend existing terms. This is not only wrong but illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CB1, Inc.
State: MT
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
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:
Financial Institution : HSBC.

I opened a credit card with them in XX/XX/2021. A month later I see they charged me interest on purchases, however, at the time of application, I remember very well that the account executive that opened the account, told me the card was 0 % APR for 12 months. I wanted to double check and contacted the bank via chat. The agent I talked with removed the interest charge, confirmed it was an error, issued a full refund and also confirmed the card was 0 % APR in 12 months for the first {$10000.00} in purchases ( my balance was below that amount at that time ). 

The next cycle comes and I'm charged again. I contacted both the account executive that opened my account ( I'm still waiting to hear back from her after two weeks ) and the bank 's customer service via message. They told me the card was NOT 0 % APR, ignoring what the agent told me via chat, and that they are not willing to issue a refund. 

They provided wrong information to me and I think is dishonest and unfair not to accept that. They didn't do it on purpose, but I planned my expenses according the information provided by the agent. 

I have screenshots of the conversation where the agent told me I had been charged by mistake and the card is 0 % APR for the first 12 months. See attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached is a copy of a letter of dispute dated XXXX to Equifax that listed XXXX accounts that I asked to be disputed because they were unknown to me. I sent the letter with a signature requested to have proof that they received it. It has now been more than 45 days since they received it and they have not listed them in dispute nor have they deleted them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: VA
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:
Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone unknown to me opened a Sears/Citicard account in my name on XX/XX/XXXX and had the statements sent to an address not mine. In XX/XX/XXXX I began receiving aggressive collection phone calls at my home phone involving relentless ( and unsuccessful ) attempts to extract my social security number from me. After requesting documentation and providing my actual mailing address, I received a cover letter from Citicorp along with months of Sears statements. I phoned Citibank to report the fraud and was met with further insistent and suspect demands for my SSN. The phone call was fruitless. I mailed a letter to Citibank ( at the address on their cover letter ) and to Sears detailing the fraud and the unsettling phone calls, with a copy of Citi 's cover letter and the Sears statements. The letter to Citicorp. was returned to me " return to sender, not deliverable as addressed, unable to forward ''. There has been no reply from Sears. I now have received a new current statement from Sears, and an offer from Citicards to settle the {$860.00} account balance for {$210.00}. I have filed a dispute with XXXX, and am mailing them a fraud alert request today.

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 2020-06-30
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In 2020, my XXXX XXXX XXXX XXXX XXXX from a computer I bought from XXXX. It also caught a spark and burned the motherboard completely. I explained that this was the third time they had changed the motherboard and the harddrive and was still giving me problems, including the fact it would get too hot. I explained my machine was a lemon and I wanted a new computer or a refund and they completely refused. They offered no more help even though I had paid the premium technical support. Claiming that I had already had three changes of motherboard and harddrive and they wouldnt be able to do anything further. 

When I saw I wasnt getting anywhere with this, I stopped paying for it. I felt I was robbed of my money. That computer was only 6 months old. XXXX then turned around and sold my account to Portfolio Associates. I showed them the photos of the XXXX, I explained to them that XXXX refused to exchange or refund my purchase, and they still insisted I owed this money. 

I had previously paid XXXX {$700.00} of the {$1200.00} total. Portfolio Associates says that I owe them XXXX even though I had previously paid {$700.00} to XXXX. I only truly owe {$500.00}. They currently remain with an overcharge amount in my account and have ruined my credit. 

I have spoken to all the credit bureaus, XXXX and XXXX refuse to delete the amount from my account even though I also showed them the photos and evidence. Furthermore, I found on the internet that this was a common issue with those laptops and XXXX has never issued a recall or to exchange the parts. 

This charge is not my fault. I do not owe that money. That laptop should have been exchanged or refunded. It obviously has a heating issue and was faulty from the start. The model is XXXX XXXX XXXX but most of the XXXX have this issue. 

XXXX  and XXXX  are also at fault for allowing the crooks at Portfolio associates to continue to put a blemish on my credit despite the fact they were informed about everything and for the overcharge. 

This has been a gross oversight from all sides, and I will keep fighting it until it is removed from my credit. Paying {$700.00} for that laptop was already TOO MUCH. I would like to take it to court, but I was informed I can not because it can only be heard in small claims court unless a larger class action suit is filed. I feel powerless and I am not a thief. I pay everything I owe every single month. There is obviously an issue, and NO ONE IS LISTENING TO ME OR PAYING ATTENTION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: OneMain Finance Corporation
State: CA
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CL Holdings LLC
State: TX
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:
I have for some time disputed Jefferson Capital about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on XXXX XXXX XXXX and XXXX  and XXXX  and XXXX  replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Jefferson Capital decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX  account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Jefferson Calital was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX  and they said they didn't receive anything from Jefferson Capital that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The bank helped me and fixed the problem right away. I want to place a fraud alert with consumer finance because of the right I have for the 7 years when someone pretended to be me and charged my debit card. Also, its been several times in the last few years that my account has been hacked. This is very frustrating to me. Im hoping the fraud alert for the next 7 years would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

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 2020-07-01
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX- Paid XXXX XXXX in full for XXXX XXXX XXXX on XXXX XXXX. XXXX fees included, per contract. Rate is {$220.00} per XXXX. 

XX/XX/XXXX- XXXX performed by XXXX XXXX XXXX. 

XX/XX/XXXX- Received bill from XXXX XXXX XXXX 

XX/XX/XXXX & XX/XX/XXXX- Contacted XXXX XXXX twice and sent supporting documents stating that I do not owe the bill. 

XXXX XXXX XXXX submitted bill to Asset Care Collection Agency . 

XXXX Filed disputes with XXXX  , XXXX  , and XXXX  . 

XXXX Sent correspondence to Asset Care Collection Agency asking that charges be removed from my XXXX XXXX account and false information be deleted from my three credit reports. 

XXXX Received credit reports. XXXX  score dropped approximately 120 pts- from XXXX range to XXXX! XXXX  score dropped approximately 100 pts- from XXXX to XXXX! 

XXXX Filed complaint with CFPB and Florida Attorney General 's office. 

**Please see attached file with documents that attest to these facts.

Company response to consumer: Closed with non-monetary relief