BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit 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:
I applied for an American Express card which is connected to a XXXX XXXX program. In applying for the card, there was a promotion for after spending {$1000.00} in the first 3 months, I would receive XXXX bonus points and one free nights stay to use. 
On or about XX/XX/2023, I received notice that I had earned XXXX points and a free night to use. I was able to book a free night but I was not able to use the XXXX bonus points. I called American Express and spoke with a representative who expressed that the points would be available around XX/XX/2023. On or about XXXX the XXXX, I called American Express. After speaking with another representative, I was told that the information the last representative provided was incorrect and the points would not be available until XX/XX/2023. On the XXXX of XXXX I spoke with XXXX, who expressed that the billing cycle had just closed and XXXX XXXX would be available for use on XX/XX/2023. On XX/XX/XXXX I spoke with XXXX, who told me the points were sent to XXXX on XX/XX/2023. I asked to speak with the supervisor because each time I call I was given a different story of when the points would be available for use. Art was the supervisor that I was connected with. He expressed that the points were transferred to XXXX XXXX on XX/XX/2023 and there was nothing else American Express needed to do. He expressed that if the points were not showing they were under review by XXXX XXXX, not American Express. After speaking with XXXX, I called XXXX XXXX. I spoke with XXXX XXXX at XXXX XXXX, and she expressed that American Express had not submitted any points to my account and no points were under review. I explained that I keep getting the run around from American Express and XXXX XXXX. XXXX XXXX reached out to American Express on a XXXX call. She called and spoke with XXXX, the supervisor. He told her that the points had been transferred. Once she said that no points had been transferred nor were any points under review, XXXX began making every excuse he could as to why the points had not been transferred. He realized just XXXX minutes earlier he had told me a very different story. 
The spending requirement was met within the first 30 days. On my XXXX statement, XXXX, XXXX points were available for use. My XXXX statement reflected XXXX points to use, making the total number of points XXXX to use. However, none of these points are available for use with XXXX XXXX. 
Therefore, I would not have booked the free night if I was unable to use the points as well. I would have waited till both were available. Now I am told, if I cancel the free night, I will be charged approximately {$450.00} as a cancellation fee. This has been the worst customer service experience of representatives not knowing their jobs and a supervisor lying to make the company look good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial Services is trying to collect on a medical bill that was already written off through FREE CARE from the XXXX  Physicians office. They failed to remove this collection from my credit report even though they have in their possession the letter provided from the actual provider 's office and the office stated they have informed Pheonix finanacial services that they have updated their records to reflect that nothing is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2023 I received in the mail a Platinum Capital One Credit Card. I never requested this nor applied for this Card. I am requesting that this account be closed and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Was charge a late fee as we didn't receive a bill. contacted the company, paid over the phone and was told it would take XXXX weeks for the late charge to be removed. we're going on 3 months and the late fees are adding up and compounding due to the lack of action to remove the original charge.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act 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 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 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 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 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 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 have all violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.

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 2023-08-31
Company: DISCOVER BANK
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account number # XXXX ( Discover Card ) has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment under a credit card account under a open end consumer plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had a checking account with Wells Fargo from XXXX, and was charged a monthly fee several times despite making enough transactions throughout the month, I was also charged overdraft fees several times when I had funds in my account to cover the transaction.

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 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting 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 checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, I want to report Identity Theft from Real Time Resolution, a DEBT COLLECTOR, on an account established without my authorization. Real Time Resolution [ XXXX ] created account # XXXX on my property XXXX XXXX XXXX, XXXX, CA XXXX without my authorization. I never contracted with XXXX and there is no agreement between XXXX and myself, XXXX XXXX. XXXX is attempting to collect on a debt, fraudulently created a loan account. 

Therefore, I sent a demand letter to XXXX to verify, validate and authenticate their alleged account agreement under my consumer protection rights under FDCPA, FCRA, FCBA, CFPB and CA ROSENTHAL ACT [ see COPY ENCLOSED ]. 

In addition, recently it was brought to my attention by a XXXX XXXX XXXX XXXX than an Assignment of Deed of Trust was recorded on my property on XX/XX/XXXX, by Real Time Resolution [ see COPY ENCLOSED ]. 

Most recently, XXXX IS THREATENING TO FORELCOSE and filed a Notice of Default on my property at the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX [ see COPY ENCLOSE ]. 

Even if this alleged account was valid, per your CFPB Issues Guidance to Protect Homeowners from illegal Collection Tactics on Zombie Mortgages dated XX/XX/XXXX It is illegal for debt collectors to sue or threaten to sue to collect debts past the statute of limitations. 

Im requesting for CFPB to act against XXXX for their intentional fraudulent, deceptive, and threatening behavior to foreclose on my property. 
To Demand for XXXX to cancel the Notice XXXX XXXX and Expunge the Assignment of Deed of Trust recorded on my property. I will also be filing Identity Theft Report with the Internal Revenue Service [ IRS ] and Federal Trade Commission [ FTC ]. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont own any debt they remove money and have Been for over 8 month automatically off my account every month was never in collection how is it Im collection now .. i pay every month on time automaticly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I applied for Hud Section 8 housing, and throughout the credit check, they informed me I had 3 accounts open with Wells Fargo Bank. 
I have never had any dealing with Wells Fargo ever. I signed a notarized affidavit saying this. 
Am interested do compensation? It hindered my application for Sec 8 housing. 
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 2023-08-31
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
company used my identity with my consent reporting negative inaccurate information hindering me from obtaining credit I believe the company should do what's fair and equitable and remove these accounts forever.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX I sent an email to XXXX they stated minor son had a credit file. I sent all of the information they requested via mail and they never the file. Ive followed up 4 times.

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 2023-09-01
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am no longer a customer of Village Capital and therefore Village Capital should not continue to report to my consumer report.

In accordance with 15 U.S. Code 6803 ( a ) ( 2 ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have advised the creditor and credit bureau and have they refused to remove the fraudulent accounts.

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 2023-09-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've had a credit card with Citibank for several years and have maintained on-time payments consistently. However, due to a recent illness, I missed my payment to them that was due by XX/XX/XXXX. Starting on XX/XX/XXXX, I have received/been receiving no less than 4 and up to as many as 10+ phone calls PER DAY from this company. In the past week and a half, I've received more than 50 phone calls ( and a couple of emails ). Having just returned home from illness, my phone log, answering machine and voicemail service is flooded with these calls. I've tried accepting/returning calls and have gotten disconnected or unable to connect with them. I intend to make my next payment ( and missed payment ) within the next couple of days but I feel the harassment from this company is horrendous and is causing extreme stress and XXXX. I didn't think these companies were allowed to badger and harass clients to this extent ( thought that more than 2x/wk wasn't permitted ). I'm hoping someone can do something to stop/prevent them from continuing to do this to me or anyone else

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 2023-09-06
Company: ACIMA CREDIT, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance of 2010 California Code Civil Code Title 2.96. XXXX  XXXX XXXX section XXXX states : A lessor shall not report any late payment, default, or repossession to a consumer credit reporting agency, as defined in subdivision ( d ) of Section XXXX, or to an investigative consumer reporting agency, as defined in subdivision ( d ) of Section XXXX if the lessor ( a ) advertises " no credit ... '' XXXX states : A lessor shall not engage in any unfair, unlawful, or deceptive conduct or make any untrue or misleading statement in connection with a rental-purchase agreement, including any violation of this title. Acima Digital XXXX XXXX clearly advertises " all without credit '' on their website as stated very big bold letters that states " Get the things you love all without credit '' The statement " all without credit '' verbatim mislead me into believing there will be no credit check and/or inquiry of my consumer reports. Acima has very clearly violated these laws stated and have reported an Acima lease # XXXX as a charge off on my XXXX consumer report, reported payments as late, and harmed my personal and financial livelihood. This action made by Acima is unfair, unlawful, and extremely damaging to my XXXX consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I came back from my foreign service commitment and noticed this collection on my credit report. I am not in the country in the last five years and whatever that was occurred four years ago and i am not aware of any account from this collector or any that would have resulted in this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have recently returned from a XXXX XXXX and discover this collection on my profile. I have not done any business to warrant that collection. I have not being in the Country for the last five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: PA
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:
credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. 31 usc 3123 payments of obligations and interest on the public debt

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 2023-09-04
Company: Paramount GR Holdings, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX or XXXX XXXX installed solar system during XXXX XXXX  for {$81000.00}. During cove19 they had a company called Good Leap to finance the job .time they can not get enough workers to complete the job they keep telling me theres working on getting someone to complete the job. 
I Keep call on the solar company telling them they need to complete the job. Solar company went out of business filed for bankruptcy. In the meantime I was contacting the finance company good Leap, letting them know that the solar company has not completed the job they keep telling me it was not their problem I told them they should not be paying the solar company. they told me they pay them up front. I told them I should never pay a company upfront for a job that has not been completed. They told me I just need to keep paying them and not worry about what the other company was doing I told them I should not have to pay for something that was never completed I told them if they wanted to. They are more than welcome to come and get the system out of the yard. They sent someone out here to inspect the system. See if I was lying about the system, not being completed the technician who came out and looked at it. They told me they wouldnt be paying for it either. If it wasnt completed, I told Good Leap what the technician said they said they would look into it, about a month later they sent another technician out. He said he is with the solar company assumed he was here to fix the system. He is around there, looking at the system, and I had all at once the power went off to the home where I thought they were working on it, and then they pulled out of the driveway. I went outside. They have put a padlock on the electrical panel. This is the day before XXXX. Try to contact Good Leap since it was a holiday no one answered. I emailed them. Tell them the power is off to my home. I have an XXXX  person uses a lift chair and a breathing machine in the home. I had to contact the utility company to have them remove the lock from the panel. I contacted Good Leap again when I could to let them know they better not ever send someone out here to my home again, they couldve been fixing the system they create more problems .now they have put a lien on my home demanding money from me. I keep telling them they need to remove the system and they keep telling me not their problem. Please help if you can. Thank you. 
P.s and I have told them that I never signed a contract showing that the job was completed or a contract with my signature on it. The regional sales rep said when the job was completed I would sign the contract and Ive asked them several times to send me and show a wet signature and verification of contract to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: MD
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:
Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on my credit 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