BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up in XXXX for an email {$200.00} debit card promotional offer ( for having a credit card. ) i was told I could do ONE OF the followings, have a {$500.00} direct deposit for 3 months, maintain a {$3000.00} balance OR use the card for 10 different transactions spending {$1.00} or more 3 months in a row to be eligible for the reward. 

I open XX/XX/XXXX and completed my 3 months and started contacting them. Called 2 times in XXXX to be told I would receive it. Got a letter from promotional offering saying I didnt meet the qualifications. Called XX/XX/2019 and they said I had to go talk to a banker in the store. Went in and she updated my tax info and said Ill get it within 4 business days. Called again a week after that and was told they would submit a credit to the credit department who sent me a letter saying I did not meet the requirements. They lied to me about the promotional and they are a joke. Ive spent hours on the phone with them trying to get my promised credit and wasted time. I have even talked to a surpervisor during one of my calls for her to tell me she cant do anything and I need to be transferred to a different banker- who couldnt do anything because it was the online tech support department! Horrible customer service.

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 2019-11-04
Company: Capital Accounts, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I received a call from Capital Accounts LLC threatening that I owe for a medical bill. I explained to them that I am a XXXX recipient and XXXX XXXX XXXX is looking into this matter, because the XXXX   office Dr. XXXX XXXX who at the time participated with XXXX decided they were not gon na submit the bill for billing. I have explained to Capital Accounts that they are violating Sec. 1128B. [ 42 U.S.C. 1320 a-7b ] of the Federal Health Care Programs. Also I have asked them to stop calling my place of employment and that has not ceased!. I have been harassed by them on several occasion starting XX/XX/2019 to present. On XX/XX/XXXX I received an email from XXXX XXXX stating that Capital Account placed a derogatory report on my credit profile. I have file a dispute, disputing the derogatory account with XXXX, XXXX and XXXX. Due to this situation my credit score dropped by 15 points. 

XXXX XXXX XXXX office is aware that I am a XXXX recipient, I have spoken to them on several occasion about this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from ERC/Enhanced Rseource Centers ( XXXX XXXX XXXX, XXXX, FL XXXX ) stating that I owe {$160.00} to an account with XXXX. This account was closed in 2006 and was paid in full. I have NEVER received any communication stating otherwise and it has not shown up in my credit report. I contacted the company and they insistent that I pay the amount and offered different payment methods but I adamantly told them that this account was closed 15 years ago and was paid in full and that I didn't intend to be harassed into paying anything I didn't owe and to only be told about it 15 years later. They insisted that I pay the amount and that it hadn't been reported as of yet to the credit agencies. I notified them that I would be contacting the credit agencies and file a formal complaint against them for this miscarriage of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them not to contact me at work because I can receive personal calls and they are still calling me at work.

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 2019-02-24
Company: Joseph M. Tobin, PC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had debt on a credit card in XX/XX/XXXX-XX/XX/XXXX. I was in a financial nightmare. I still am trying to dig out from the debt. XXXX XXXX had sent me a credit card ( XXXX XXXX Card ) I used it iin faithfulness of trying to keep up with the minimum payments. When it became to much I called them and they wouldn't work with me therefore I went into collections. Im XXXX and lived on a fixed budget. I can not hire an attorney so I wrote the CT Attorney General concerning this law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.YXXXX. They sold this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. These attorneys sent me a threatening letter saying they can garnish my wages and they are taking me to Court for this debt. They attached some of the charges I used and the amount that I owed {$2000.00} They have failed to mention the attempts of me contacting XXXX via phone. I have sent their names to the Attorney General XXXX in CT but I want the whole story clear. The Attorneys in above lines have made me very upset and as I struggle to make what was a bad time right now with paying other credit cards that were willing to work with me these Attorneys are causing me undue stress as well as the collections company who hired them XXXX XXXX. There is a statue of limitations and this is XX/XX/XXXX, when in fact XX/XX/XXXX all communications with XXXX  back stopped.Please advise I am placing a complaint against behavior as this. I tried to come up with a plan on the phone with XXXX XXXX  but it couldn't happen they destroyed my credit and now they are trying to destroy what credit I have built back up.

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 2023-10-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SYNCB/WAL-MART is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with SYNCB/WAL-MART. I have never received any correspondence from SYNCB/WAL-MART stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with SYNCB/WAL-MART for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that SYNCB/WAL-MART owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. SYNCB/WAL-MART refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. SYNCB/WAL-MART is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure SYNCB/WAL-MART understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. SYNCB/WAL-MART even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in SYNCB/WAL-MART 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

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 2018-04-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Open an American Express XXXX co-branding credit card last XXXX since it promised XXXX miles opening bonus when meets {$2000.00} spending requirement. Unfortunately i never received account opening bonus even i met the spending requirement. 

I have been talking to American Express customer service in the past several months and the issue still could not be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: Radius Global Solutions LLC
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:
Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

XXXX 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called XXXX 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a XXXX XXXX address, The thing is that I have never lived on a XXXX XXXX address, Also they had a copy of an ID that started with a XXXX but my ID starts with an XXXX. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does Radius Global Solutions ( the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.

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 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  XXXX XXXX  Credit Card - secured and silver are reporting my credit cards ever 7 days lowering my credit score and lowering my ability to maintain my credit. 
Please see attached how TransUnion refuses to properly add back my points even though I am paying off my credit cards and have lowered my debt-to-income ratio!

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 2023-06-23
Company: POLARIS NEWCO, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX XXXX  reals. I contacted Western Union 's customer service to have this rectified, but was only told XXXX ) transfer rates are subject to fluctuation and/or XXXX ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually trace the transaction and actually SEE what was indeed deposited. The deficient amount was XXXX XXXX reals, which is approximately over XXXX % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. My spouse 's issue with Western Union that Western Union successfully resolved was Western Union incident number XXXX. I am enclosing screen shots of our contract and what was actually deposited. The amount deficient is WAY MORE than any XXXX  % tax that Western Union previously alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
There is an inquiry on my credit report from capital one, I do not have a capital one credit card, nor have I ever applied for a capital one account of any sort. I just checked on my credit report and found this, the inquiry is on XX/XX/XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting me 90 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting me 120 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score.

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 2018-09-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
A purchase was made on XX/XX/XXXX, for a laptop, valued at {$2500.00} USD. The laptop broke on XX/XX/2018 due to motherboard failure and is non-repairable. A claim for the broken laptop was submitted to Chase Card Benefit Services on XX/XX/2018 under their purchase protection flag of services on their Chase XXXX XXXX credit card. 

After this time I submitted all requested paperwork to XXXX, on XX/XX/XXXX they requested additional information. I provided the information on XX/XX/XXXX. Following this they requested additional information on XX/XX/XXXX, and I provided the requested information on XX/XX/XXXX, this is due to me being out of the country temporarily on a work trip and finding a computer repair shop that will write a bill of repair/non-repair in English was extremely difficult to locate. 

At this time the case has been open for over a month, and every time I reach out to their team on the phone they refuse to escalate or say that they've escalated the case and they haven't. 

Purchase Protection link on Chase XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

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 2019-03-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: Prosper Marketplace, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the collection company summonsed me to come to the court in out county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation