BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
So on XXXX2020 I got a deposit from state of Ohio unemployment on my US bank reliacard. I had been usuing the card for months now, I cant make a purchase, it keeps declining. I cant get money from an ATM either, it says card deactivated. I tried calling the number on the back of the card 10 plus times waiting on hold for more than an hour then it hangs up on me. So i think i need a new card or something. But Cant get through to customer service.called the banks and they said they cant help to call the number on card and i explained I tried all week and cant get through. i need the funds to use for my family please 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 2016-10-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Recently American Expresss closed my account due to discriminatory and retailiatory acts. After I raised the complaint with CFPB and with AMEX, they in turn, closed the account after I requested to be given an opportunity to pay the account over time. Instead, they retailiated against me knowingly. They were welll aware that I submitted a complaint to CFPB and then again to AMEX Presidential Office for resolution. No one attempted to work with me on resolving this debt, based on my request to pay overtime. My mother, was also assigned as the Manager of the Account and they deleted this from the system illegally as well. 

Now based on extenuating financial hardhsip existing with my family and a sibling diagnosed with a XXXX, we are unable to pay this balance in fulll and have suggested to pay {$100.00} per month to this account, until I am able to settle the balance. 

There is no neeed for the assigned Debt Collection Representative, XXXX to make illegal attempts calling 3rd Parties whom he does not have a right, nor was he given their phone numbers. How did obtain phone numbers of other family members illegally. We have also requested that he desist in his maneuvers against these individuals, utilized as a harassing tactic against me! 

Do not call their phones again! 

We will commence paying XXXX/mth this month. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Over the years I was steered toward taking multiple forbearances while struggling as a young professional. I was encouraged by XXXX XXXX and navient on multiple occasions over the years of XXXX to XXXX to take forbearance on my loan since I had a very high cost of living in XXXX XXXX. Over that period I feel like I was recommended that course of action every year when I would call to tell them I was poor and struggling. They managed to get several thousand more dollars out of me and I will be paying my loans until I am XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed an account that appeared on my credit report earlier this year from XXXX XXXX XXXX XXXX XXXX XXXX it was listed as a collection from XXXX for nearly {$1600.00}. I haven't had an account with XXXX for nearly 6 years and when I closed my account I didn't have a balance this high. I have attempted to dispute this amount with the credit bureaus because I do believe this information is not correct but they have been unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Issues with company. working with another company the bureaus that keeps sending me debt collection letters but no proof of actual wet ink signature, contract or anything just saying that the debt was brought by them from XXXX XXXX. I never lived in New York and that is where the debt originated from. Issues with company. keep getting hung up on when calling to request a supervisor to handle the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.

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 2022-02-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with Fair Credit Reporting Act, US DIST CT account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX  XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : XXXX  days late as of XXXX XXXX XXXX days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I keep getting charged for interest charges at a high rate because of alleged one missed payment a while back and the interest rate does not match the amount I am paying. I would like to dispute that missed payment

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 2022-08-28
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: Reporting company used your report improperly

Complaint:
I am a Living Human being, I have rights under USC 1681, Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the account on my Credit Report. 


this collection account is - BXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: AES/PHEAA
State: NV
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 furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
XX/XX/XXXX {$12.00} Letter Claim number XXXX tansaction date XX/XX/XXXX Says IF you still believe this charge to be fraudelent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf I HAVE NOT BEEN NOTIFIED THE RESOLVE A YEAR LATER XX/XX/XXXX Letter SAME claim number {$12.00} Says no further action is needed NO RESOLVE YET? 
Letter XX/XX/XXXX no further action on fraud claim number XXXX {$10.00} XXXX XXXX XXXX XXXX A YEAR LATER NO RESOLVE XX/XX/XXXX no action needed fraud claim XXXX {$49.00} I HAVE NOT BEEN NOTIFIED What the resolve is on any of these fraud claims for over a year. What is the resolve of fraud claim XXXX reported?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
It was last XXXX ( 2015 ) that I applied for the XXXX American Express and fulfilled all the requirements ( spending requirements ) to obtain the XXXX bonus point offer. However, XXXX placed my account into financial review shortly after meeting the spend requirements and ultimately declared that they will be shutting my account and seizing all the points. 

Fast forward a year, I reapplied and was shortly subjected again to a financial review. I sent all my documents in via fax ( which I did last time ) only to learn that they never got it. So I sent it in by slow mail and they finally obtain my tax return to grant me account opening. When I received the card, I sent a chat conversation through XXXX site to inquire if I will qualify for the XXXX bonus offer and was told by the representative that I will receive the bonus, only if I meet the spend. 

However, today, when I have met the spend and the statement will close on the XXXX of XXXX, I once again asked via chat the representative if I will get my bonus. I was surprised to hear that I will not because upon digging into my account, the representative told me that I have had the bonus and per the terms, I will not receive it if I held the card in the past. Yes even though I did held the card in the past, I never received my bonus points. On top of that, the first conversation the agent confirmed I will indeed receive my points. So with this inconsistency, I want to file my complain as I believe its not fair for XXXX to seize points and claim that I have received the points/card when I never got the point and to have representative state false information. 

I was also told that all my chat logs are kept on the server so I would have them cross check on this but I am confident that the first agent told me I would get the bonus if I meet the spend ( which I did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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 was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One, sometime ago I owned a XXXX XXXX   credit card, a card which I had acquired through XXXX XXXX. 

While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that Capital One was going to be taking over my credit card, and everything went down from there. 
Since Capital One took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. 

At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. 

The reason for my requesting your assistance, is that, Capital One has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. 

Capital One states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. 

Capital One is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. 

Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. 

Capital One is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. 

And they have also passed on this false account information to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So on my credit files I have both Capital One, and the collection company XXXX XXXX XXXX listed on my credit files, as both of them charging me for this same {$360.00}. 

So I have two live collections for money that I should not be owing to Capital One, so my credit is being dinged twice by both Capital One, and XXXX XXXX XXXX 

How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and Capital One charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. 

Then they give this same fraudulent information to a XXXX XXXX XXXX, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Innovis
State: NV
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 furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been filing complaints with the credit bureau for 5 years and I have still problems with the credit bureau doing there job. Please give me a call at XXXX or via email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been filing complaints with the credit bureau for 5 years and I have still problems with the credit bureau doing there job. Please give me a call at XXXX or via email 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 2017-01-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We obtained a loan thru One Main Financial and paid on the {$5000.00} loan for 2 years with an interest rate of 35.99 %. After 2 years of making payments ( on time ) we went in to the institution with {$4500.00}, hoping to pay it off in full. They would not except the payoff because they said our payoff was more than what we took the loan out for. At that time we did n't realize The interest rate was that high because when we took out the loan everything was signed with an electronic signature and we were unable to see any paperwork or details actually stating the interest rate. We were desperate for the money and feel we were lied to and taken advantage of by One Main Finamcial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On my account I had charges I did not owe. They kept billing me any how. A Company called me to make arrangements on my balance stating they were A lawfirm aattempting to locate me to serve papers to go to court. I could not under stand this I am easy to locate or contact. I agreed to pay a payment that day to avoid court of over XXXX. They said if I did not pay that day I would be sued..I did not want that so I agreed to pay and make future payment to them. I bought a credit card you can l ; oad your money on to make these payments.I also asked them to send me copies of my account and info on their company. This never happened. 
After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
American Express induced me to open a credit card account and to spend {$3000.00} on the account with the promise of a {$500.00} statement credit which they are now refusing to honor. I opened the account online in XXXX 2016 and spoke with an American Express agent over the phone to verify the application details. During that conversation I inquired about the promotion that guaranteed a XXXX membership rewards points credit ( worth {$500.00} in statement credit ) whenever a customer spends {$3000.00} or more in the first three months of opening the account. The agent assured me that I qualify for it and that I would automatically be credited the balance. After spending about {$3500.00} on the account, I made more than XXXX separate inquiries over the course of three months with American Express via their customer service hotline over the phone and through their website to have the points credited to my account. American Express refused and continues to refuse to credit me with the reward balance, referring to its general terms that makes prior American Express customers ineligible for the promotion, a direct contradiction to the explicit assurances its agent made to me at account opening. American Express has now closed the account and transferred the claim administration to XXXX of its internal collection agencies as they continue to refuse to honor the promotion promise and have charged more than {$350.00} of late fees on the account. Throughout this entire process, I repeatedly assured American Express that I am willing to pay the entire legitimate balance ( after the {$500.00} statement credit and removal of all late fees ) at once, an offer American Express continues to refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: The Phoenix Recovery Group
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2015 the XXXX XXXX XXXXXXXX XXXX made me move out of an apartment that almost hurt my son, its something they need to take up with XXXX XXXX and accuse me of theft and damaging property which Ive never done anywhere Ive lived in my life, I told the company Im not paying the collection and they need to contact the XXXX XXXX and leave me alone, that apartment almost XXXX  my son, Im not paying for nothing I didnt do including what Im being accused of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Between XX/XX/22 & XX/XX/22 there have been 6 @ {$36.00} NSF fee charges against my checking account. Bank has paid payees. 
I have never requested credit or overdraft protection from the bank. In fact they did this same thing last XXXX where they paid numerous debits to the account without my request for credit or overdraft protection. Every extension of credit earns the bank {$36.00}.

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 explanation