BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: BARCLAYS BANK DELAWARE
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
{$440.00} in various amounts were fraudulently purchased by someone who managed to get a hold of either my card number or my old discarded/destroyed card and somehow was able to use it. I disputed the charge on XXXX XXXX. Barclaycard apparently did an 'investigation ' where they determined I was the one who performed those fraudulent transactions, including a purchase a motel at which I have never stepped foot and several suspicious large purchases at convenience stores.
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A side note, I received a call from Barclaycard investigators which seemed highly suspect and unprofessional, and I was concerned enough to do research into the phone number to see if it was even legitimate which it apparently was ( the person on the phone calling me did not know specifics about the case ). I proceeded to close the account upon receiving this verdict.

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 monetary relief
Consumer complaint received 2022-04-29
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  # XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-15
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a debt in my name that wasnt from me. I disputed the debt through XXXX  letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: NY
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/XXXX, I got an email from American Express : Title : " Congratulations XXXX! Get Exciting New Benefits When You Upgrade to The Platinum Card '' Subject : " Dear XXXX, We appreciate your loyalty and your existing relationship with us as a Premier Rewards Gold Card from American Express Card Member. To make sure you get the most out of your Card Membership we wanted you to be among the first to hear about the exciting new benefits of The Platinum Card. These benefits are designed to bring you best-in-class service whether you are traveling or at home. 

Explore just a few of the many ways to experience the exceptional travel perks and rich rewards when you upgrade to The Platinum Card. With an abundance of premium benefits and services, the {$550.00} annual fee quickly pays for itself. 

XXXX Membership Rewards ( R ) Points ( 1 ) Earn XXXX  Membership Rewards points after you spend {$5000.00} in purchases on The Platinum Card within the first three months of Card Membership. XXXX points can get you up to {$600.00} toward travel. 

Get new privileges, possibilities and perks you deserve designed for your lifestyle. This offer expires XX/XX/XXXX. Upgrade now or call XXXX and mention POID : XXXX. '' So I chat with an Amex CSR asking about some fees when upgrading. After that, he asked me if he can upgra
de the card to Platinum through chat, I said Yes. There is no place in the email said that I will not get the rewards if I upgraded through CSR chat. Then I fulfill the spending requirement in 2 months.
After that, I checked again with Amex but they said they could not give me the rewards because I upgraded through chat. They escalated the case to marketing department with case number XXXX. A month after that, they came back and still stayed firm that I would n't get the rewards because I upgraded through chat! 

I am very disappointed at how American Express handling this case. There is no place in the email stating that I should not apply through CSR chat. That is a very deceptive marketing tactic from Amex. Also, As Amex Platinum is a prestige card with annual fee of {$550.00}, Amex should treat their customer a lot better than that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan # XXXX with Shellpoint Mortgage has ended the Covid-19 Forbearance and I'm currently in a Trial Payment program necessary for the Loan Modification. I made the 1st trial payment, however the company still reported me to credit agencies as Delinquent. They are saying that since my trial pmts are not schedule to completed until XXXX, I will likely be reported as 90-days late. And this is when I have never missed a single pmt on any of my loans in the past 20yrs before Covid! Anyway, I made the combined payment today for the remainder of the trial pmts which according to their rep will accelerate the loan modification so hopefully this will work, but my credit rating has been damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, I paid off my account for {$170.00}. By the end of the same month, I was billed for {$180.00} twice. I called after a week to dispute the charge and was told that I will receive a check through the mail after 2 weeks. Its been 2 months and I still havent received anything. I called several times and was told that accounting department is already closed. My issue has not been solved and the agents that I spoke has not done anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2019-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I applied for several line increase for both of my credit cards and was denied multiple times for the same reasons as stated below : Your average monthly payment has been too low I have spoke to several customer service representatives that have reviewed my payment history and they agree that my monthly payments are well above the payment requirement of {$25.00} per month. 

I make payments of {$150.00}, {$700.00}. {$400.00} {$250.00} etc. My payment history will provide proof. I recently applied and was decline again for 2 different recents.

Your average monthly payment has been too low Recent use of this accounts existing credit line has been too high I was told that the system generates the letters and it was nothing they could do. The system is incorrectly reporting my monthly payments and I'm been denied credit the credit card company says they can't correct their system.

In the past I only had to make ( 5 ) minimum payments of {$25.00} to get an automatic credit line increase. I have been denied a credit line increase for over 1 yr although my monthly payments are well above the minimum payment of {$25.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Monterey Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection was reported to all ( 3 ) credit bureaus for an account that is not mine. I tried disputing the account with the bureaus, but the item was not removed from my credit report. I have tried calling the number provided, but they never answer the phone. I sent a letter to Montgomery Collection Services requesting documentation for why they believe this debt is mine, as I have never done business with the named entity, nor have I ever received a statement for any existing obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX of XXXX, I went to the XXXX dealer and purchased out my vehicle at the end of the lease term. At this time, my account with Honda financial services was closed and has been closed since that time. 

Despite the account being closed for 2 years, on XX/XX/XXXX, Honda financial services made a payment on my behalf to a supposed tax bill they received and forwarded the cost to me. 

This can not be valid for several reasons : 1 ) the account is closed and has been for years, no activity should occur on this account XXXX ) I have never received a tax bill in the amount requested by XXXX, nor do I still live in XXXX XXXX, where XXXX told me on the phone the bill originated. If XXXX is receiving a bill from the City, it is because of something they have set up, not myself. 

3 ) I receive a biannual property tax bill from my current territory, the county of XXXX, which i have fully paid This is the second year in a row this has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: Experian Information Solutions Inc.
State: FL
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:
My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report. 

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is

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 2018-04-02
Company: FIDELITY CAPITAL HOLDINGS, INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
*XX/XX/XXXX I requested my credit reports from all 3 credit bureaus to find a collection account be reported by XXXX XXXX XXXX in the amount of ~ {$17000.00}. 
*XX/XX/XXXX I contacted XXXX , XXXX  XXXX XXXX XXXX XXXX , and XXXX ( original lender ) disputing this reporting. The credit bureaus responded with written notification that the debt had been verified, XXXX XXXX XXXX nor did XXXX respond. 
*XX/XX/XXXX I sent a second round of letters disputing the debt reporting to both cb, the collection company, and the original lender. The cb again responded that the debt had been verified, the original lender again did not respond, however the collection agency sent a copy of a statement from XXXX and the front page of an inactive homeowners policy with my name on it. 
This debt is being reported incorrectly and I'm not responsible for this debt, in a written statement ( which I will include ) admits that the insurance company agreed to pay them for the work and when the invoice was submitted to the insurance company the insurance company refused to pay the claim. I have made multiple attempts to contact XXXX & XXXX XXXX XXXX without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported 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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got an email saying i qualified for a job. That job was to be an asset manager that would handle bitcoin currency and so I went for it. The company is XXXX XXXX everything seemed legit I fell for it and took his word for everything. I gave him my bank account and I did transactions in my account where he would wire me money and so forth. After some time the person stopped replying then the bank is charging me on the transactions. I really need help i was scammed the bank already took XXXX and that leaves me with XXXX. I have proof of everything i just want this debt clear.

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 2017-09-26
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
information is gathered since age of XXXX, in case of youngns less than that to record, gps trace, listen in etc.. including gathering of emails and phone numbers which are protected under the 4th ammendment and recently ruled on. 

If the police cant intercept nor can they fake a cell tower, then how in XXXX does these companies think that the american consumer is for sale? 

I dont care how you got the info. The fact that you posses it in the first place is a violation of law. We wouldnt want the XXXX to hear abt this ... would we? 

Once a charge is disputed ( and i always demand it in writing ) the corporation must then NOT call the consumer.multiple times they persist and call anyways. The FCC has ruled that this is illegal and fineable at XXXX per occurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: AK
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:
I checked my account balance for my XXXX Dividend card in XX/XX/XXXX to see I had a balance of {$41.00}. I had previously tried to withdraw this amount one year prior ( in XX/XX/XXXX ) but was told I could not withdraw until the balance was {$50.00}. I just recently returned form a trip abroad where I did not use this card due to foreign transaction fees. Then, this month, on XX/XX/XXXX, I logged on to my account again to find my dividend balance had dropped to {$0.00}. I called customer service immediately as to inquire about the reason. After a lot of time waiting on hold, the man I spoke to finally told me that, because I had not made a qualifying purchase in a year, the dividend dollars had expired, despite him originally telling me dividend dollars never expire. When i signed up for the card, it was advertised that the dividend never expire and nowhere in any fine print does it mention that they are subject to expiration after a year of non-use. At the very least, Citi should send notifications informing card holders of upcoming expirations. The man at customer service told me there was nothing he could do and the money I had accrued was just gone. I feel deceived and cheated by Citi Cards and want the money I am owed for business I gave them for years.

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 2022-04-29
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-09-26
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've reached out to Aargon Agency inc to validate a debt they claim i owe. I sent a letter via certified mail twice. Once in XX/XX/XXXX and again in XX/XX/XXXX. As of today they 've failed to validate this debt and it is hurting my credit report. The amount is reporting for XXXX The original creditor is 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 2017-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX at XXXX XXXX, I made a deposit of {$1600.00} through my phone. The deposit was a payroll check that I had previously deposited into the same account, the same way for the past 2 years, without any problems. The check is from XXXX, from a local city of XXXX, Ca. 
Previous checks from the same account, around the same amount had been deposited XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - no issues no holds. 
For some unknown reason, I was advised today XXXX/XXXX/XXXX that a hold was placed on this check. That meant all of my scheduled bill payments were not sent out yesterday as scheduled, they were reversed today and I was charged several {$35.00} NSF fees. 
These payroll checks have never had a hold placed on them in the past, nor have any of them been returned to my account in any adverse way. 
It is unfair and unreasonable to place a hold on this check " just because '' Bank of America decided to. Now I am in jeopardy of being late on several bills that I attempted to pay and am paying unjustified NSF fees. 
I called customer service and was advised they did not know why the hold was placed. 
The bank can not simply make up their policies and procedures as they feel necessary.

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 monetary relief