BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Hi! 

I opened a credit card called " The XXXX Preferred Guest Credit Card from American Express '' on early XXXX. The promotional bonus for this card is " spending {$5000.00} and get XXXX XXXX points ''. After spending more than {$5000.00} for more than half a year, I still have n't received my XXXX bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Ability Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2021, XXXX violated my consumer rights by reporting false and deceptive information to my consumer report from XXXX XXXX XXXX being the original creditor. Pursuant to 15 USC 1692a ( XXXX ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. I was also violated as a federally protected consumer pursuant 15 USC 1692c ( XXXX ) Communication with third parties -- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ; meaning I did not give them permission to contact me nor did I give them consent to report anything to the reporting agencies ( XXXX, XXXX, & XXXX ). According to 15 USC 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing

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 2020-06-09
Company: BARCLAYS BANK DELAWARE
State: PA
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 filed a previous complain against Barclays after the death of my husband. A credit balance of {$530.00} remained on his account and they closed it due to his death and would not talk to me or my son regarding the rewards. His account number ends in XXXX, in the name of XXXX XXXX XXXX. After filing a previous complaint we did receive correspondence from the company and a check, however it was made out to my deceased husband and I am unable to cash it. My son called the company and they will not make the check out to my name even with a death certificate. They had said they would void the first check and make it out to the estate of XXXX XXXX XXXX, however this does not help us much since there is no estate, and it would cost more than the value of the check to open one with a lawyer. We dealt with other companies that owed us refunds due to my husband dieing and upon providing them a death certificate, they all issued a check in my name. I'd like to resolve this issue and receive a check I can cash for the rewards accrued and earned by my husband. 

Thanks, 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 2021-12-28
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: Personal information incorrect

Complaint:
As of XX/XX/2021, TransUnion has been inaccurately reporting things on my consumer report. According to 15 USC 1692A ( 3 ) I am a federally protected consumer who has been violated. TransUnion has my personal information in accurately. 15 U.S. Code 1681 ( a ) ( 1 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 U.S. Code 1681 ( b ), 15 U.S. Code 1692d ( 1 ), 15 U.S. Code 1692d ( 2 ), 15 U.S. Code 1692f are all violations of my consumer rights which isn't fair to me as a federally protected consumer.

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 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My name is XXXX XXXX XX/XX/1983 ss # XXXX. For some reason. I can not open a bank account or cash a check. Someone stolen my identity a while back. Now I have XXXX XXXX .It is supposed to prevent people from stealing my info. I need help. I don't know what to do. I couldn't even get a check cashed to get my kids XXXX this year. Please help me fix this. Thanks

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 2020-06-09
Company: EQUIFAX, 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:
I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX  ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: IN
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 to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my 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 explanation
Consumer complaint received 2018-12-04
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/2018. I was notified I owed a debit, I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Coastal Credit, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Today, XXXX XXXX, 2016 my auto loan company Coastal Credit LLC called my sister company stating that she have been calling for weeks and no one is answering the phone which lead to my co -worker calling asking me about what 's going on .Coastal Credit account representative XXXX XXXX also called my landlord stating she was calling about a personal business matter. At the time of purchase I gave them my work number to the specific office to where I was employed and not that of my sister company. I have ask several times for them to just leave a name and a phone number and I will respond. I have also filed an earlier complaint and I am asking for this complaint to be in conjunction with the one filed in an earlier date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ongoing saga of fraud malice and deceit from verizon. MY 1st complaint exposure of there sloppy deceptive ( commonplace ) practices starts in XXXX 2015, to you and FCC. These clowns have fraudulently used my personal information to create, harass, insult my intelligence. This putrid company of lying thieves, proclaims I owe ( XXXX ) balances!!!!! There is ( XXXX ) outrageous XXXX and deception in my credit files, with this derelicts at experian and transunion. Equifax is the only one using XXXX, can see this is duplicated fraud and harassment. These putrid lying thieves at verizon claim I owe them {$320.00} and {$980.00}?! # Idiots deceived XXXX collection agencies to come at me with a bill for {$980.00}. NOW this ( ruse ) to harass and deceive ( XXXX ) accounts. OUTRAGEOUS, when has ( any ) creditor claimed XXXX seperate balances, same account/complaint of deceptive billing practices to mask there worthless excuse for ripping off ( OVER ) XXXX from there own customers. I do n't owe verizon anything, they lied cheated me with there fraudulent ( cramming ) overcharges cryptic balance forward billing deceptions. Example I checked my statements these thieves claimed they gave me my proper credit for a deceptive billing for {$170.00} pre-charging early termination fee, for trying out a ( worthless ) un-saleable product, there google tablet, Other charges column, these XXXX recharged me the ( SAME ) {$170.00} pre-charged early termination fee. This is why I am fed up with this XXXX company. 7 years of aggravation, manipulated, confused billing.

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 2016-08-08
Company: RMB, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I accrued medical bills from XXXX XXXX and XXXX XXXX system after an illness in XX/XX/XXXX and have been making monthly payments of between {$50.00}. and {$200.00}. per month to XXXX XXXX depending on how much I can afford each month.The original bill from XXXX was for {$1500.00} and my first bill was due in XX/XX/XXXX. I paid {$50.00}. in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, {$180.00} in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, and {$200.00}. in XX/XX/XXXX despite not receiving a bill in XX/XX/XXXX. My current balance is {$900.00}. and I expect it to be paid off by XX/XX/XXXX now that my other medical bill ( XXXX Healthcare system ) is paid in full. All bills were paid before due date. None were late! Today I received a letter from a collection agency for my unpaid balance affecting my credit. It would be another story if I were making minimal or late payments but that is not the case. This is n't right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i went to check out at XXXXTJ Maxx with my credit card. The cashier asked if i had a rewards number. I said i think i did but she said she couldn't look it up as it was confidential and they had changed their system. She asked if i wanted a new number for 10 % off. I said sure. 

Instead of getting me a new number, she opened up a credit card for me! and charged to the new credit card. I had given her my own credit card and had assumed she charged that card. 

Now i have a credit card i don't want and i didnt even give her my address so i have no idea where that credit card will go and she likely put her own info in and will get that credit card and charge me. I sent an email to XXXX but really don't know what to do now.

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 2021-12-28
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX

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 2015-10-24
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/2015 XXXX fraudulent charges were made to my Rushcard. My card was then blocked by the company but I was never notified of such charges. I only found out because I tried to use my card at the grocery store and at that time found out it was blocked. I checked my balance and found that I had much less then when I checked. It earlier that morning and came across the charges. I have been trying to resolve the matter since then. I have been in contact with Rushcard for the past 2 days and they are telling me that their system has been down and they can not help me until it comes back up. So until then I am without my funds and can not pay any upcoming bills I have due their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: CA
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 {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019.  Please investigate to ensure there is no fraudulent activity.

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 2017-09-13
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.

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 2021-12-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Branch in   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  has misused my account by debiting an amount of {$2000.00} without my authorization.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 2021-12-28
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime send me an email XX/XX/27 that they closed my account. No reason. And no notice. I called and the automated service said that in my situation, my only option was to contact via email. And that would take 5 business days. I made a comment on their post of XXXX. They asked me to " dm '' them my email. When I did, I got another automated response to email them. I tried everything. I was completely blind sided. I'm a single mom with no job. I only use my account to pay bills using money shared with my boyfriend. He is a chime customer, he sends me money via chime to pay the rent and bills.

Company response to consumer: Closed with explanation