BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a cosigner for both of my son 's loans with Discover Student Loans, now being serviced by XXXX. I have repeatedly asked for a statement for income tax purposes showing how my payments were allocated ( I do not see any of this on their payment screen and can not make an option ). Representative XXXX, has emailed me numerous times over the last week or so that they do no give out that information. If I am remitting payments/monies toward scheduled payments, then I believe I am entitled to a statement and any documents necessary for a tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Date : XX/XX/2021 Subject : American Express Platinum Card Promotion CASE ID : XXXX Contact Time : Over 3+ hours via telephone and chat Proof of Fraudulent Promotion : XXXX : XXXX XXXX Applying fore Amex Platinum Card via promotional link on their website : XXXX XXXX XXXX XXXX  This is a fraudulent advertisement by AMEX to coerce new applicants XXXX open a line of credit and receive above the customary new account rewards points ( XXXX instead of XXXX ). 

Once the link to apply is clicked and are approved, the line of credit is opened in your name, a card sent to your address and no prompt for rewards are issued. 

This requires an individual to call AMEX to address your reward point amount. 
At this point they will notify you that you are awarded the customary XXXX rewards that has always been in place for this card. There is no XXXX bonus points. Its a complete gimmick to get you to open a line of credit in your name in hope you will inevitably end up using the card. 

Additionally, you are worse off if trying to cancel. You will have to incur the inital hard credit check and additional hit if you decide to close the line. 

Moreover, if you decide to inquire the process is as follows : - you must activate the card and start spending toward the XXXX in 6 months minimum spend for the promotional offer immediately. 
- During a period of 6-7 weeks ( will continuing to spend ) an AMEX team will review the promotional offer and issue you formal approval via mail if you are approved. 
- None of this is presented in the promotional print nor is there follow through by AMEX. 

This is a serious scam that should be addressed immediately and made known more publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: NJ
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:
This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %

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 2018-05-07
Company: EQUIFAX, INC.
State: NJ
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:
This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: MS
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 did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest 01 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX   XXXX/XXXX 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: CORELOGIC INC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX, I reached out to CoreLogic CredCo to get a copy of the consumer report they had on me. Upon receiving the report, I immediately wrote back asking them to delete information that was inaccurate, against HIPPA regulations and not properly verified as mine. I asked for an updated copy of their report once the appropriate changes were made. This letter was dated XX/XX/2021 citing Dispute Entry # XXXX. 

On XX/XX/2021 I received a letter with an attached report, ticket # XXXX. Nothing was changed. There are still accounts listed that are in violation of HIPPA, accounts that violates 15 U.S. Code 1681c as well as 15 U.S. Code 1681 ( 7 ). Furthermore, they're citing their source as XXXX and yet XXXX is a CRA that does not have the items listed that I've disputed. Furthermore, to have such items listed violates the FCRA as they're refusing to comply with requests to delete when they clearly haven't verified the information to cite XXXX 
I've subsequently filed an FTC report XXXX # XXXX XXXX for fraudulently reporting errors regarding my consumer report and they're blatant failure to comply with the law.

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 2019-01-17
Company: EQUIFAX, INC.
State: MS
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 did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX, 01 XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, 01 XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX   XXXX, 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 2018-06-14
Company: JPMORGAN CHASE & CO.
State: NY
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:
I joined the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Total monthly fee was {$130.00} which I paid every month automatically. It was a month to month agreement, with an understanding that I could cancel at any time. Nothing was explained to me about canceling in writing. 
In XX/XX/XXXX I called the Club to cancel my month to month membership. The representative I spoke with said sure, and claimed membership would be stopped. 

About a month and a half ago, I noticed that the Club was still billing me. I called the club and they said again that they could cancel the membership. They did not, and refused to give me a refund. 
I called Chase to complain about this. They opened a claim, for the months from XX/XX/XXXX to XX/XX/XXXX and placed a temporary credit on my account. 
About 3 weeks later, Chase reversed the credit and denied the claim, stating the charges were valid and also that there is a 60 day lookback that they need to follow. 
Firstly, if there is a lookback period, why was I not informed of this and also why were all the months I was disputing credited back? 
Secondly, I did not authorize those charges. If the merchant isnt going to honor my request, and basically lie and steal from me, Id like to think that after 20+ years of banking tens of thousands of dollars with Chase with the same account open for those years, theyd at least honor my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX 01  XXXX XXXX XXXX XXXX XXXX  XXXX, 01 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX  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 2019-01-17
Company: CarMax, Inc.
State: IL
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:
Every month they never update the credit report they report two different amounts for each credit bureau and they never report the amount paid by me each month I always pay a extra XXXX bucks they never report that on my credit and the balance says one thing on the app that I make payments on them what they are reporting to the bureaus I owe XXXX and thats not whats being reported to them Ive called and they tell me it will be updated never do it XXXX XXXX Wi,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   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 2019-09-10
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX  but they have closed for business as per their website ( XXXX XXXX XXXX  ) and the have sold my loan to Systems & Services Technologies , Inc . I have tried to contact the new company and inform them about the SCRA and that I'm XXXX XXXX military. The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me. I can NOT get in contact with Systems & Services Technologies , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 took out a loan with pocketfund in XX/XX/XXXX. I made a payment of {$180.00} in XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing 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 2019-01-17
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
We asked Wells Fargo to arrange to close our account and transfer the funds to our XXXX bank account. This was arranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX, the transaction confirmation number was XXXX and the amount was {$9400.00}. The money did not arrive and following prolonged discussion with Wells Fargo the wire transfer was rearranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX.  Transaction confirmation number was XXXX. Again, this did not arrive. We have been in discussion ever since and have now asked for a bank check to be sent to us. We have been told that we can not have this until Wells Fargo have received the money back. We have said that this is unacceptable as we should not be kept waiting any longer for this money. The lady dealing with it is XXXX XXXX in the executive office and she has a case file open, number XXXX. 
She is sympathetic but says there is nothing she can do as responsibility for this is with the wire transfer department. We have asked for a senior manager to contact us but this has not happened.

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 2019-01-17
Company: Experian Information Solutions Inc.
State: MS
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:
why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Experian and XXXX couldn't help me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2021-06-01
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving daily phone calls from multiple different CBE phone numbers as I have called the numbers back. I have blocked several numbers already, but they keep changing which number they are calling from. They call and do not leave a voicemail. 

I know that there are no debt collections against me. Yesterday I pulled my credit report and nothing is listed. In addition, I know a debt collector is required to send a letter regarding the debt collection and I have not received any. I have no problem correcting a misdirected debt collection as I called a collector who sent such a year ago for the former owner of my house. I called and provided the corrected information. 

My complaint and reluctance to work with this collector is they do not leave a voicemail. That is slimy to say the least. Typically a collector will leave a voicemail with reference info to call back. As such, it is difficult to discern if this is a scam. I am reluctant to call back and possibly get suckered into a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  XXXX  data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2019-01-17
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 accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I finance truck capital one XXXX and have problem paying due to unempolyment.They repossed the truck 2008.I just get dated XX/XX/XXXX account number XXXX. 
I think is 15 years old i should not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2017-12-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, Im trying to link XXXX to my XXXX XXXX credit card, but XXXX is blocking me from enabling external applications, could you please look in to this issue and help me fix or solve it? 

Thank You, XXXX XXXX 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 2018-02-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So yesterday I had a collection account placed on my credit report. It shows no original dates only the supposed creditor. When you XXXX them XXXX XXXX, you see nothing but scam alerts. So the collection company is MIDWEST RECOVERY SYSTEMS. 
I called XXXX/MIDWEST RECOVERY SYSTEMS when you call its a prerecorded message saying it is XXXX XXXX . Then your transferred to a supposedly XXXX XXXX. He started off the conversation asking for my Social Security number, I would not provide such information over the phone, stated I would be arrested if I did not and also pay this collection account today. Also is refused to send me any documentation to verify the account. Said they could email. I plainly told him that is not an actual legal way to verify the debt. I told him this has to be a scam, he said they will dispatch a police officer to my location today if I did not pay. Very mean individual/very foul language. Said the call was being recorded. I highly doubt that because that would not be legal to say on a supposed collection call.

Company response to consumer: Closed with explanation