BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}

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 2016-10-19
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contacted today ( XXXX/XXXX/16 ) at XXXX by Midland Credit Management from XXXX and was given the name XXXX as the representatives name. I immediately knew the reason for being contact because six month prior to today, I agreed to have funds taken out of my checking account and was told that I 'd be contacted to reconfirm the recurring payment. Today the representative XXXX refused to allow me to continue making my current payment and demanded that I increase my payment. She told me if I do not make an increase in payment that my account would given to someone else and that she would not be able to help me anymore. This was an attempt to scare me making payments that are outside of my current capabilities. I explained to her that is would be ok if my account went to someone else because the payment that I 'm making is all I can do. I also asked why they were unable to take my payments any long and was told because I need to increase the amount and the rep. continued to demand more money from me. I do not see how that is fair when I am in agreement that I owe the debt and I am making an attempt to pay it and it was flat out refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I HAVE BEEN DISPUTING XXXX XXXX BUSINESS XXXX ACCT ENDING IN XXXX WITH XXXX XXXX FRAUD DEPT XXXX ID # XXXX PHONE # XXXX EX XXXX - ON XX/XX/XXXX HE INFORMED ME THAT A BALANCE TRANSFER FROM THIS FRAUD XXXX XXXX BUSINESS XXXX ON XX/XX/XXXX {$4100.00} WAS PAID TO AN AMERICAN EXPRESS ACCT ENDING IN XXXX IN MY NAME. I CONTACTED AMERICAN EXPRESS AND WAS INFORMED THAT AN ACCOUNT WAS NOT OPENED IN MY NAME AS THE CARDHOLDER - BUT AS AN ADDITONAL CARD. I REPORTED THIS AS FRAUD. I NEVER KNOWINGLY APPLIED OR ASKED TO BE ADDED AS AN ADDIONAL CARD HOLDER. THIS NEW INFORMATION IS NOW UNDER INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
Back in XXXX XXXX, 2015, I applied online for American Express Business Gold Rewards card ( ref : XXXX ). Back then Amex was offering XXXX membership rewards points as a sign up bonus. My application said it needs to be reviewed, so I called Amex to speak with a credit analyst who approved the application. I checked several times with Amex representative to make sure that the sign up bonus was correct ( XXXX ) and Amex representative confirmed it. However, when I met the required spending Amex only awarded XXXX points claiming that that was the sign up bonus on my application. Multiple calls to Amex failed to make any progress. I asked to pull conversation tapes from approval call, but Amex claims they ca n't locate the tapes. I also provided Amex the screenshot of the offer I originally applied online. 

The difference of XXXX points can be valued at $ XXXX-XXXX depending on point valuation applied, so it 's quite a lot. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The wording surrounding the terms of the loan were very confusing and did not make sense. I would not have accepted a {$500.00} loan for a total payment in fees of over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 send letter to Enhanced Recovery Company requesting verification that this account belongs to me. Requested copy of contract with XXXX with my signature. Instead they just send me a letter back saying that they verified the information with their client XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Midland Funding , LLC a collection company is listed on both XXXX and XXXX credit bureaus as a collection account for XXXX dating back to 1999. The original creditor was XXXX with whom I had the telephone account. XXXX was not able to provide documentation as to why I owed on this account. I had XXXX phone service for many years and always paid for my phone service. I could pay this and make it go away but I do n't think it is fair that they are pursuing collection activity for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding has continued to report inconsistent rention dates on multiple accounts, to the XXXX credit agencies. On account XXXX, they report to XXXX a retention date of XX/XX/XXXX -- XXXX XX/XX/XXXX -- no reporting on XXXX. Account XXXX they report to XXXX a rention date of XX/XX/XXXX -- no reporting to XXXX -- and a reporting of XX/XX/XXXX to XXXX. On account XXXX they do report to XXXX or XXXX -- to XXXX they report a rention date of XX/XX/XXXX. On account XXXX they do not report to XXXX & XXXX -- but report a rention date of XX/XX/XXXX. On these accounts, they do not report an original creditor or contact information for the original creditor. They have failed to report correct information on any account that they hold of mine. I have submitted numerous disputes with each credit agency, & they continue to verify each account with each agency, even though all information that they report is inconsistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was mailed a offer to relieve bonus miles as part of opening a new account. The miles we 're award however did not show up to my miles account with the particular airline. When I called to inquiry about this I was told it was due to having a incorrect airline miles account number. The correct number was given and I was told to expect the miles in XXXX hours. The miles never showed up so when I called I was told the miles would not be awarded due to having a previous account with the company. No where on the mailing solicit ion was this information provide in a easy to understand format. If I was not eligible for the account and/or bonus offer why was I solicited for the account. The company had all of my previous information and knew I would not be eligible. However this was not made clear to me when I first called about this issue. I was lead to believe I should expect the award miles to be available in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
HelloI submitted a serious claim regarding undisclosed accounting method via case number XXXX to american express on an online chat dated XX/XX/XXXX. The error I caught I had caught 2 years back also but when I called them they confused me with numbers & I am not as confident in math especially when it has to be resolved on the phone. In the chat dated above I caught the same issue again & as review of the copy of my conversation shows ( I can email you ) they admitted to their faulty accounting. In fact I was in a 3 hour chat with at least XXXX managers on that date. Since then I did have other chats for which I kept some copies are are relevant. They tourchered me online many times answering late or asking me to call which I refused to do. I asked for my balance to be suspended which they have & in one online chat they told me they would get back to me by XX/XX/XXXX. I now dont show a chat option on my profile & I refuse to call them due to the high level of stress this has caused me. In the claim number I provided there were several other issues such as cash back, etc which you can see as well. But this accounting which they fudge under some spcial profile where the math adds up where they can see but I can not see makes no sense. In fact they admitted to it. 
The other important claims I submitted to their XXXX since I buy my airline tickets with my Amex was regarding my lost luggage which they should cover up to XXXX but they never respond to the cases I open & sometimes claim they dont have the claim but I do need to recoup all that they promised they give & all that they have taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've called Experian Credit Bureau starting on XX/XX/XXXX till today XX/XX/XXXX no person available only recordings ... no help then or now. Went to website and still- no help and had a form to mail so sent form overnight and they received it on Friday morning still no response as of today XX/XX/XXXX. Trying to purchase a vehicle and need them to unfreeze my account. Please help. 
Thank you,

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 2022-07-27
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:
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 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 your act 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 2015-05-13
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ehanced Recovery Company, LLC has been contacting me repeatedly, XXXX, XXXX times a day, calling and hanging up. Calling and hanging up. They leave a message and then they call back. They never have anyone on the phone. Every time I attempt to answer the phone, the other side hangs up. Its very aggravating, as they call me while I 'm at work, and they just call and hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MI
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  Account # XXXX, and XXXX XXXX XXXX Account # XXXX, have 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 an account with 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 2022-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: CITIBANK, N.A.
State: NM
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 balance transfer

Complaint:
On XX/XX/XXXX, a Balance Transfer was initiated on my Citi ThankYou Preferred Credit Card account ending in XXXX. The total amount was {$2500.00}. I never completed a balance transfer and this is a fraudulent charge. 

I called Citi on XX/XX/XXXX and have been unable to receive a response back on this. They opened a new Citi ThankYou Preferred Credit Card ending in XXXX and this card has the exact same fraudulent bank transfer transaction on it. The online Citi application does not allow me to report this charge as fraudulent. 

The balance transfer is to an account ending in XXXX but I do not have an account that ends in these numbers. 

I have been given the number XXXX to call Citi. I have called on XX/XX/XXXX and XX/XX/XXXX and have been unable to talk to an associate about this fraudulent bank transfer.

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 2022-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: DISCOVER BANK
State: WA
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:
We were notified of a security incident by XXXX on XX/XX/2021 that involved my discover credit card. I called Discover immediately to report the data breach and found that there was already an unauthorized charge of ~ {$150.00}. I requested Discover to close the account and to diallow the charge. The rep promised to take care of both. A week or two later I received a new discover card. I called them again telling them to close the account, and told them that I did not request a new card. I asked the rep to check the account balance and was told there was ~ {$150.00} balance on the new card. It turned out that someone at Discover not only opened a new acct for me w/o my approval, but also transferred the fraudulent charge to the new acct. I requested the rep to close the new acct and explained the history of the charge. I got same promise. Then few weeks later, I received the statement of the new card still showing the charges. I called again and was promised that all will be taken care of. I countine to receive emails reminding me the balance is due and they eventually processed the payment yesterday ( I set up automatic payment ). 
My online acct has been locked since I reported the fraud so I couldn't access my acct info anymore. This is way beyond reasonable. Please help get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.

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