BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, American Express sent me a marketing offer through email, offering me XXXX sky miles if I added an authorized user, and they spent {$500.00}. I read the offer carefully, added my husband to the account through the site, and he met the requirements in XXXX. I contacted contacted Amex on XX/XX/XXXX inquiring on when I would see the miles added. The rep was not aware of the offer but filed complaint XXXX, and asked me to upload the offer email to their document center, which I did the same day, I contacted once since then and was told the case was still being worked. Today XX/XX/XXXX I contacted them and was advised the case was closed weeks ago, and that a different vendor code was on my add authorized user. I did not have an option to add any code and the offer does not state I had to follow a specific path, such as using the link in the email, or adding a code to qualify. The supervisor offered to create a new case and start again, and asked me to upload the same documents that are still visible in my document center, which the rep I spoke with before the transfer to him could see. I checked, and they are still visible in my document center. He stated I would still not be contacted on the outcome. 

I feel this was a bait and switch on the part of Amex and that their marketing in this case was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
In XXXX I lost my job. I am now XXXX years old. Sadly we had no choice but to file Chapter XXXX in XXXX of XXXX. On XXXX XXXX, XXXX, I am being sued for {$720.00} dollars. From a XXXX party debt collector. It was originally a credit limit of {$600.00} dollars. Never received anything not a call or a letter. To appear in court within XXXX weeks! I called them and told XXXX the situation. She was very rude and trying very hard to make me feel like a XXXX bag. I was threatened by them of putting a Lien on my home and garnishing my wages. I need MORE TIME to hire my attorney and he is very good. I am a Senior XXXX and I will not stand by and have this company me threaten me and take away from me. Going to get this company for harassment. I am retired and I will not just stand by and got this letter within XXXX weeks for a court appearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C. 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1666B says a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts to show no late payments or remove these accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Transaction issue

Complaint:
ON XXXX XXXX I ORDERED A NEW RADIATOR FROM XXXX. MY CUSTOMER IS IN THE MOTEL WAITING ON THE REPAIR OF HIS FREIGHTLINER TRUCK. THE PART SHOWED AND IT WAS WRONG. THE MANGER AT XXXX XXXX ASKED US TO TAKE IT TO A RADIATOR SHOP TO BE MADE TO WORK. THE PART WAS COMPLETELY WRONG COULD NOT BE MADE RIGHT. WE SHARED THE INFO WITH OUR CUSTOMER WHO IS NOW AFRAID OF BEING STUCK IN A MOTEL OVER XXXX. OUR CUSTOMER DECIDED TO RENT A CAR AND DRIVE TO XXXX, TX AND PICK UP A RADIATOR HIM SELF. CALLED XXXX AND TOLD THE MANGER THE DEAL. TOLD HIM I NEEDED TO SEND IT BACK. HE SAID HE WOULD GET BACK TO ME. I WAITED TILL AFTER XXXX AND TOOK IT UPON MYSELF TO SEND THE PRODUCT BACK. WHILE IT WAS ON THE TRUCK ANOTHER SHOWED. A REPLACEMENT FOR THE WRONG. CALLED THE MANAGER HE SAID I ORDERED IT. WHY WOULD I DO THAT WHEN THE CUSTOMER IS GETTING HIS OWN. HE OFFERED HE WILL GET BACK TO ME. SOMETIME GOES BY AND THE RADIATOR I SHIPPED BACK GOT REFUSED AND SENT BACK TO ME. NOW I HAVE XXXX RADIATORS A PRICE OF {$1200.00} EACH AND A ROUND TRIP FREIGHT BILL THAT IS ABOUT {$400.00}. SO I 'M IN THIS FOR {$2900.00}. CALL THE MANAGER TELL HIM THE DEAL. HE WILL GET BACK TO ME. I KEEP CALLING AT LEAST ONCE A DAY. I 'M TOLD HE WILL RETURN MY CALL. I FIND A EMAIL. I SENT A FEW THROUGH THAT. NO LUCK. SO I GO TO THE CREDIT CARD AND FILE A DISPUTE. SEVERAL WEEKS GO BY AND I GET A CALL FROM I GUESS THE OWNER. TELLING ME HOW I SHOULD HAVE HANDLED IT WITH MY CUSTOMER. HE ALSO ASKED IF HE COULD HAVE HIS XXXX RADIATORS BACK. I TOLD HIM SURE THEY ARE HIS NOT MINE. HE SENT THE FREIGHT COMPANY XXXX TO PICK-UP THE XXXX RADIATORS. THEY PUT ON THE SHIPPING LABELS AND LOADED THE TO RADIATORS. GLADE THAT THAT IS OVER. NOPE HE REVERSED THE CHARGES BACK TO ME. TOLD ME I NEEDED TO PAY THE FREIGHT FOR COMING INTO ME AND BACK TO HIM. THE PRODUCT I SENT BACK AND GOT REFUSED WAS FUNNY TO HIM. HE TOLD THE CREDIT CARD COMPANY THAT I WOULD N'T GIVE THEM BACK. SO IT STOPPED THEIR. THEY TOOK HIS WORD WITH OUT ANY PROOF. I 'VE TRIED GETTING WITH XXXX TO GET ANYTHING THAT SAID THEY WHERE PICK-UP. BUT THEY CA N'T HELP ME. I 'M NOT THE ONE THAT HIRED THEM TO SHIP. I 'M STUCK WITH NO WHERE TO GO. I HAVE GOT TO PROVE SOMETHING THAT I HAVE NO WAY OF DOING. WHILE THEY TAKE THE OTHER GUYS WORD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
Paypal recently limited my account. I still have {$320.00} in eBay gift cards which can only be used with a paypal account. Now as the account is closed those cards have become worthless and I feel cheated out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Transunion in writing regarding incorrect names, addresses, and inquiries showing on my credit report on  XXXX   XXXX ,   XXXX   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond appropriately.   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond at all to my correspondence sent on  XXXX   XXXX ,   XXXX  .   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and have yet to receive a response.   Finally, I contacted Transunion in writing  XXXX   XXXX ,   XXXX   regarding duplicates of these inquiries showing up with current dates that are unauthorized by me and have yet to receive a response and all of the incorrect information is continuing to report 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 non-monetary relief
Consumer complaint received 2016-04-16
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
United Wholesale Mortgage got XXXX XXXX XXXX to sign a note and mortgage to United Wholesale Mortgage 's benefit and they advanced no money. The note and mortgage are payable to United Wholesale Mortgage. XXXX XXXX XXXX and United Wholesale Mortgage have a false relationship of " maker '' and " XXXX '' on the note that never should have been released from " closing '' had the real facts been revealed by disclosures required by the Truth in Lending Act. United Wholesale Mortgage securitized the paper but not the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2022, I applied for an American Express Gold Business Card. I was denied because they reported that I had previous credit cards that were in collection status. In XXXX I conducted a fraud complaint regarding the business card denial with the American Express fraud security department. In XX/XX/2022, American express fraud department confirmed the fraudulent accounts, yet refused to grant the card. I was instructed to reapply. I voiced my concerns that the re-application would cause damage to my credit score based upon the repetitive application for the same card, despite American Express 's confirmation that their denial was based upon incorrect information that was initially acknowledged prior and during application for the business Gold card. American Express engaged in discriminatory practices with the denial of the Gold card, based upon the fact that the applicant is a Veteran and minority business owner and the denial for the Gold Card was based upon a denial factor that the issuing company verified was fraudulent at the time of application. Since the issuer confirmed that the sole reason for the denial was found to be fraudulent ; then this applicant ; like those like him would have qualified for the Gold Card initially. Under normal circumstances, there would be no reason for a reapplication and an identical credit score pull would not be required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Sequium Asset Solutions, LLC
State: NY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: IN
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 disputed a judgement with Equifax case #  XXXX  that was reporting inaccurate. Equifax sent me my results back as the item had been deleted.  Three days l ater I checked my report it was still showing inaccurate. I called Equifax to see what was going on. after been on hold for over an hour with the first rep, then she transferred me to the mixed dept after going back and forth with the Rep she then refused to let me speak to a supervisor. She came back on the line and said that the supervisor stated that the results we 're sent to me in error they we 're not complete. I then told her that they we 're out of the 30 days window. She then reply that there was nothing she could do that the results were complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Charge for medical service on XX/XX/XXXX should have been billed by XX/XX/XXXX. Collections agency was notified. Medical service billing dept says collection agency can bill to the proper people. I'm not sure how since they are not my provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: The CMI Group, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I was notified by XXXX credit monitoring that there was a collection for {$2900.00} put on my credit report for XXXX XXXX in XXXX XXXX, NY, a location I have never been to, let alone. lived in.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXXXXXX XXXX, Please take another names of my 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX  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 2020-03-04
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account in XX/XX/XXXX. I opened it through a link on the Citibank website that stated I would receive a {$200.00} bonus if I completed eligible activities ( see attachment 1 for link ). I made a deposit of {$5000.00} on XX/XX/XXXX per the requirements within the terms ( over {$5000.00} ). ( see attachment 2 for terms ). I kept over {$5000.00} in the account for over 60 calendar days, as the terms required. I messaged a Citibank rep to confirm that I had met all requirements to receive the bonus. She assured me that I had and told me I would receive the bonus no later than XX/XX/XXXX ( see attachment 3 for that chat on XX/XX/XXXX ). I've since spoken to a customer service rep twice, with no resolution. ( see attachments 4 and 5 ). A dispute was opened for the issue by one of the reps, with the conclusion sent to me by Citibank on XX/XX/XXXX being that " we are not aware of any promotions offered in conjunction with the opening of your account ''. ( See attachment 6 for dispute conclusion ). I locked up over {$5000.00} in my Citi checking account for over 2 months, with the expectation of a {$200.00} return per the terms that Citibank published.

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 2017-01-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
i told them that i do n't owe this amount {$950.00} they keep threating me to take me to court. the collection agency is called mcm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!

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 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several months ago, apparently XXXX XXXX sold my loan to something called 'NewRez LLC '. I got a bill that said NewRez but it still had the same A/N ( XXXX ) and the XXXX address so I paid it. When it hadn't posted before receiving a new bill with a new A/N ( XXXX ), I paid it too. Next thing I know I get a notice that it was overdue so on XX/XX/XXXX I mailed another payment which has still not been taken from my checking account. Eventually I discovered that XXXX had applied the first check to a Heloc in spite of it containing my mortgage number ; and also, the second check was returned to me in spite of having the correct account number. I was finally able to sign into the NewRez web site and paid {$600.00} on XX/XX/XXXX but it hasn't posted yet. I'm losing track of who's ahead on this when it takes several weeks to post a transaction that was paid online. I sent an email to them asking who the governing body is for NewRez LLC but have heard nothing back. I really want out of this arrangement but I don't even know who I'm dealing with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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:
There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.

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