BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
American Express send me an offer in reference to a XXXX promotion, if I spend XXXX or more at a XXXX XXXX I would get XXXX dollars statement credit, as stated in the mailing i have to enroll for the promotion between XX/XX/2019 to XX/XX/2019. Last week i attempted to enroll several times and every time I got an error : " Sorry about that! It doesn't happen often, but offers are currently unavailable. Please try again later. '' Today I called to complain with american express and let them know that before I stated at a XXXX XXXX  i attempted to enroll on the promotion and that the error below was appearing, I stayed at a XXXX XXXX on XXXX XXXX and spend more than 200 dollars as per the promotion. 

I even try to enroll again today and I got the same error see attached pictures, the supervisor that handled my chat session today " XXXX '' stated that the promotion was not available to all the cards and that there was nothing she could do, however again if you look at the picture yo can see that the website states that the promotion is available to all my cards. this is false advertisement and very poor customer service, very disappointing from American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-01-22
Company: Southwest Recovery Services, 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:
I pulled a copy of my XXXX credit report for review and noticed an item from Southwest Recovery Services on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XX/XX/XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In late XX/XX/XXXXand early XX/XX/XXXX I was the victim of fraudulent charges on a number of my accounts perpetrated by XXXX XXXX XXXX of XXXX TX. XXXX is now in custody, but at that time was living as a guest with my son in XXXX TX. My son asked XXXX to leave, and was subsequently robbed and vandalized by XXXX in retaliation. Included in the items stolen was a computer that belonged to me. XXXX used that computer to make purchases without authorization. Included in those purchases were eleven transactions for XXXX purchases charged to my Chase card in the amount of {$1300.00}. Other charges were also made on other accounts and to XXXX XXXX XXXX for equipment ordered, but this complaint is against Chase Bank Card Services who initially reversed the charges, but subsequently reapplied all charges with the reason " You received benefit from this transaction ''. 

We did not receive any benefit whatsoever from these transactions. We believe that the items ordered were shipped to my son 's address where XXXX had been staying, and were intercepted by him ( along with other items not charged to Chase ). 

In XX/XX/XXXX I filed three complaints against XXXX XXXX XXXX : XXXX TX Police Department -- Police Report Federal Trade Commission -- Identity Theft Report Federal Bureau of Investigation -- Internet Crime Complaint As I already mentioned, XXXX is now in custody in XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX made unauthorized payments on my account as shown in my last dispute and I had evidence. I have yet received any of that money back. Also the judgements and paperwork that was sent to an address that is not me and at an address I don't live at in another state. The person that is described in the paperwork is not a description of me I don't know who that is or who address that is. Please remove this debt. The person description given that is described in the documents is not me. I am pretty sure about it. And I don't live at any of the addresses that I provided. I am not caucasian, I don't know who they are talking about or who address that is. Its definitely not mine. I don't even live in GA. I bet if you send me a letter I won't get it, because I don't live in Georgia nor lived at any of the address I provided when you sent those " letters ''. I never even heard of cooling and 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 2020-10-09
Company: EQUIFAX, INC.
State: DE
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: GA
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:
Equifax is trying to trick people into giving up their right to sue them when they go to their website to see if their financial information was compromised by the hack. When customers go to see if their information has been compromised, they give up their right to sue. This is very shady. Please see article below for addtional information " If you do choose to sign up for the credit monitoring service, you must agree to submit any complaints against Equifax to arbitration. You ca n't sue on your own behalf, and you ca n't join a class-action case or benefit from any class-action settlement that Equifax agrees to. '' XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Bank of America ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 2021-12-05
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This company has never verified my debt, I have sent mail to them asking for this information. They proceeded to file a writ of garnishment of my state tax return, then turned around and filed a EX Parte Motion and Order to Renew Civil Judgement. 

I never received a document stating there will be a court date. These individuals have lied by stating that I made a payment in XXXX. This has never been the case, and I still haven't received any documentation that this payment was done by myself, nor how the payment was made. 

I have no idea that this debt is mine, nor have I received and correspondence from them giving my a chance to pay this debt. They filed the documents with the court without any information from me. I would like this company to validate the debt as well as how these payments were payed. 

I would like this issue resolved, and any and all judgements they have against me removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NJ
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting from Credit Management Control the original amount of {$68.00} debt from XXXX XXXX XXXX of the debt, unpaid balance, and Sign Agreement With XXXX XXXX Signature down loaded to CFPB to view as proof FCRA Law require That the information be available on request are remove it from the consumer File are Stop reporting the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have sent a cease and desist previously and spoke to someone there about calling friends and relatives pretending to be law enforcement and telling them I was going to jail. This was six months plus ago, before loosing everything in hurricane Harvey. The last week 3 of my relatives and a family friend, received calls from this company saying that they were the district attorney looking for me because they were going to arrest me. One call even threatened that they would be in trouble if why did not give up my whereabouts. I have never not had a cease and desist, and I have asked them to not call and scare my mom and relatives any more. My mom has had a XXXX XXXX and has a XXXX. They are calling her and threatening her. They called my cousin on Monday and disclosed all my personal information and then told her, I was going to jail. This is a terrible form of harassment. Please help. They call at least 9 times a day. To me and my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just received a XXXX XXXX and I am considering refinancing. I did fall behind towards the end of my XXXX  XXXX, but I caught up when they filed a response to final claim, stating I owe {$2700.00}. Before my XXXX XXXX ended, I paid in full and I am officially discharged of all debt. XXXX weeks later I receive my next bill due on XXXX in the amount of {$2900.00} ( minus the XXXX I have already paid for my regular payment ). Now since I know 100 % Im caught up with payments because the last 2 I received were paid in full. After some digging, I have a {$500.00} attorney fee which I already paid in XXXX and a " previous lender charge '' of {$650.00} from XX/XX/2018! Sorry, but that is included in my discharge since they had multiple opportunities to add that to their proof of claim, it needs to be removed. I'd prefer not to go to court, but I will for this predatory lender. I've paid thousands extra into this plan I did not agree with-this is the last straw. They need to fix my bill to my regular payment amount as they agreed I have paid in full and a court order of discharge of all debts. The purpose of XXXX XXXX is to walk out with a clean slate not take advantage of people with fees-especially from 2018. Please help this is wrong and illegal by the Bankruptcy Code. I have not even received a response from the company. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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 has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education XXXX Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to macy 's and spent about XXXX $ worth of clothing the week before covid 19 was known. I have gone through XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX. I needed to return some of the items. I told macys that I can't pay the bill until I return the items b/c I dont ' know how much to pay. they told me ok. Then in middle of summer the credit people called me and I told them I would pay some of the balance if they stop harassing me and calling me 4 times a day as long as they give me time until my dr says ok to go to malls. finally dr said I can go and I went right away and returned XXXX dollars worth of merchandise. macys refuses to take off 2 late fees and all the interest. I told them probably 30 times with 30 diff representatives that they are harrasing me and I will pay everything I owe but will not pay any interest or late fees b/c it was not in my control. offered to get them a dr note. they would keep me on the  phone for an hour and at the end say there is nothing they can do. will not take off. finally today I called myself so I can try to fix this finally and spoke to a manager by the name of XXXX XXXX. He was extremely obnoxious and yelling at me to let him talk. I was shocked. he again said he will not take off the late fees.Macys is harassing me and trying to steal from me. it is not honest and I feel they are being XXXX. it doesn't have to be a religion. they are taking advantage of me b/c of my XXXX XXXX XXXX. I want to call my lawyer but dont ' have the money now due to my business being pushed down b/c of covid. I would live to report MACYS CREDIT CARD for HARRASMENT AND TAKING ADVANTAGE OF ME and LYING TO ME. How do I proceed with this?

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im at sharpness end. I have no idea what is going on over there at the CFPB. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}

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 non-monetary relief
Consumer complaint received 2018-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Near the end of XX/XX/XXXX I experienced Identity Theft on 2 of my accounts through Capital One. Capital One allowed the individual ( s ) to change my address and billing info with no verification, but because I bank online I was able to see the fraud quickly and reported to capital one. Fraud took place in South Carolina and I live in New Jersey. I believed the incident was resolved. I paid off one of my accounts IN FULL in XX/XX/XXXX. Unbeknownst to me I was being assessed a XXXX dollar monthly fee. Simultaneously I was locked out of my online account and was never sent a paper bill. I was assessed a greater than 30 day late payment on my credit " which is how I knew about the issue ''. I have never had a greater than 30 day late payment with capital one. My account till this day is restricted. I have sent in numerous documents including utility bills, tax returns, license, and SS. I was called on yesterday and told I would have to send in my license and SS again although I was told on Friday that they have it on file. What I would like to happen is that Capital One deletes the greater than 30 day late as the account was paid in full and I was never notified of this XXXX dollar monthly fee. I ask that they un-restrict my account as I have 2 other accounts with them that are unrestricted that reflect my current information. I truly believe the account compromise is due to a lack of security on the part of Capital One. I have spoken to several other people that I know personally that have had Capital One and their accounts compromised. I have tried to be patient and GIVE THEM ALL THE DOCUMENTATION they have requested, but I am reaching my patience limit with them and plan on taking my business elsewhere and closing those accounts completely. I look for assistance in this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BMW Financial Services is currently reporting 4 months of payments 30 days late to each of the credit bureaus, when they were not late. They have confirmed this information for me, but will not update the information correctly. When XXXX, XXXX XXXX and XXXX investigate BMW is not cooperative. My complaint is for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation