BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: Americas Car-Mart, Inc.
State: AR
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being charged four hundred percent interest on a partial payment made of XXXX instead of XXXX, the contract allows a partial payment, with a small interest on the last payment. I am being threatened with repossession if l dont pay XXXX interest for the partial payment, by Discount auto, when the contract is with american carmart. All payments made since the partial payment are not going toward the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: IL
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have held various American Express credit cards for well over 20 years. Part of that included a Gold card, a Platinum card, and now an Optima card. I always pay my bill on time and always pay more than the required amount. Twice, at least, I have applied for a credit line increase from XXXX to XXXX dollars and I get declined. It 's always for a different reason, but I 'm frustrated at trying to improve my credit report and American Express account - but nothing seems to help. Although I do n't have the financial standing I once did, I still deserve some courtesy and recognition that my account and the way I handle it is greatly improved. I 've never been late, never over the limit, and always pay more than the minimum. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial is trying to charge me fees without any merit. They have, without informing me, changed my account number and caused my bank to send my electronic payment to the wrong ( original ) account number and now are charging me a late fee. There are also payments not showing up in my account with Ditech that my bank says Ditech accepted. I have attached the last XXXX correspondences from Ditech ( dated XX/XX/2016 and XX/XX/2016 ) and you can see the account number change..again, without my knowledge and causing me to incur a late fee even though payment was made on time, as it always is.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called and wrote in asking for an investigation for the false reporting or late payments. Under the law of federal consumers rights i am instructing you right now 15usc 81 b a 2 to remove it according to my written instructions i did not give you all pro mission to fernish any of said information. Not reporting 100 percent accurate i see errors which are FCRA violation and the law is set in place for my protection against companies like such.

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 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have had complete fraud on my account and need ALL my funds

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 2017-03-23
Company: AFNI INC.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They sent me a random email regarding a debt that i had never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX  XXXX XXXX and Capital One is showing as OPEN and MANAGED BY A DEBT AGENCY. This program was canceled, Capital one and XXXX was notified that I was no longer in the program. I pay my payments DIRECTLY to XXXX as well as Capital One monthly and have also contacted them via telephone in regards to these issues with NO RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving the collection letter I contacted they company for back up documentation, since I had not been to business in question in years. The documentation they provided was list of charges, no back up documentation, no invoices, just a quick report showing I owed money. The money they are trying to collect on is first off over four years old and over the statute of limitations, but also not mine. They couldn't provide any paperwork for these " charges ''. These charges are not only not mine, but they are past the statute of limitations and they are trying to collect on them fraudulently. 

I have contacted they business and the collection agency who are both still trying to collect on this fraudulent debt. 

It's unacceptable that these companies are collecting with zero oversight or repercussions for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Sullivan Asset Management, LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling like XXXX to XXXX times a day saying I owe money to a bank in VT and that I need to pay it. They start off by telling me they have my social security number, my kids names where I work etc. They say I owe over a thousand dollars for frauding a bank. They also say this was from XX/XX/2010 I do not owe anything like this. I have asked them repeatedly to stop calling me at work and they call right back within a couple of minutes. They ask to speak to my supervisor at work. Its always the same guy but he gives me different names. He refuses to give me the address of where his company is. He states he has given me all the information he will give me. The only thing I got out of him is his phone number which is XXXX. He says the company is called Sullivan Assets Management but when you call it he answers with a different company name. He has sworn at me because I refuse to give him any information. They also have my email address but they dont send anything in writing. When I tell them I am reporting them to the Attorney Generals Office they say it wont do any good and that they will continue to call me. They know my age which is XXXX because he says to me someone that is XXXX should be paying their bills. Its harassment and possibly a scam and I would like you to look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 Account # XXXXand account name XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I 've complained to Huntington they closed my local bank to allow the shareholders and CEO 's to profit more by making us stand in long lines. There is no accountability in banking anymore. The CFPB is doing nothing to hold these banks accountable. The tellers make nothing compared to the shareholders and are overworked and underpaid. We still do n't know who owns the notes on our houses. The banks are worse than 2009 in my opinion. It 's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer on XX/XX/XXXX from my bank to : CoinbaseCoinbase, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX Fl XXXX XXXX, NY XXXX XXXX. 

After sending the transfer, I noticed that it said to send with personal name and not a business name. The bank was not sure if they sent it with my personal name or business name but finally decided that they sent it using my personal name, which should of been correct. I sent an email to Coinbase to clarify the issue and make sure that if it was sent in my name that it shouldnt be a problem to deposit into my account. If it was in my business name, to just cancel and send back to my bank. I received an email finally on XX/XX/XXXX with a case number and the standard they are working on it. The case number is # XXXX. I responded letting them know to please cancel the transfer and just send back to my bank. I have not heard back from them in 2 weeks. I just want the transfer canceled on their end and sent back to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My Name is XXXX XXXX i am reporting a federal violation that i need to be resolved immediately transunion is reporting XXXX XXXX XXXX pursuant to 15 USC 1681 b ( 2 ) without my written permission Transunion. I demand that this be removed from my reports no consent is identity theft, and I need for this to be removed immediately if not I will take legal actions. I sent Transunion a letter stating these violations. This is illegal

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 2016-01-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Over the holidays I traveled and had difficulty assessing my account to pay bills through Amexs telephone billing system. Their automated system is consistently glitchy and does n't accept or recognize my account info, and boots me from the system. Their recognition software is extremely poor. And the wait times to get a live service rep are always ridiculously long. I have complained of this several times as I 'm sure other consumers have. As a result I did not pay my bill and was approximately a week or so late until I returned from traveling. As a result Amex jacked my interest rate up to a penalty rate of 27.49 percent ( almost double my regular rate ), charged me a XXXX dollar late fee and forfeited XXXX frequent flier miles. All essentially bc of lapses in their system and customer service which make making payments accessible. This is incredibly bad faith behavior, in my opinion, and given that their telephone system has always been difficult to access with poor recognition software, I feel reflects negligence on their part. I attempted to resolve it with Amex directly- again being knocked out of their glitchy telephond system several times and then being required to wait for extended periods to speak to someone- but they refused to reverse all the charges and restore my miles. Again, stemming from deficiencies in their own system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: CO
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 am trying to permanently opt-out of prescreened offers & also want to place a credit freeze on my account. I was able to do this with relative ease for both XXXX & XXXX. By ease I mean that I was able to call both companies and with one phone call accomplish both the permanent opt-out & freeze my credit account. When attempting to do the same with Experian I have run into issues that seem to me to be extraneous. I first tried to call their toll free number at XXXX ( XXXX ) XXXX. After confirming my identity I was unable to accomplish my goal through their automated system. I then tried to go online to https : //www.experian.com/freeze/center.html to do the credit freeze portion. I confirmed my identity but their system wouldn't allow me to freeze my credit account. It gave me an error message saying I needed to contact them in writing via snail mail ( USPS ). I then XXXX " contact a human experian '' and found this number XXXX XXXX XXXX XXXX XXXX. With this number was able to reach a customer service representative named XXXX who works on the XXXX team for Experian. Once again I confirmed my identity, however when I asked him to permanently opt me out of prescreened offers he told me I would have to write a letter ( via snail mail ) requesting so. This is the crux of my complaint. Why would Experian make the process of freezing a credit account considerably more difficult than their direct competitors? On the surface it looks like Experian is deliberately obfuscating this process or at the very least making it cumbersome to do so.

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 2015-09-05
Company: TRANSWORLD SYSTEMS INC
State: TN
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:
I revived a voice mail saying it is an attempt to collect a debt and she left her name XXXX. They called under XXXX number but left a different number to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
AMERICAN EXPRESS CALLED CELLS, WORK AND FAMILY MEMBERS ABROAD. WE HAVE GATERED ALL PHONE RECORDS, RECORDINGS ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX has been accusing me of owing this bill for quite some time, I have tried to explain on several occasions that this bill is not mine, that I did not, have not purchased any mobile devices from them at this amount of money. I have consistently DENIED ever having or purchased Anything from them at those cost. I had filed a Identify theft report as to items o my credit report that were not my debt and those were resolve, but that darn at & t are still insisting that I owe this debt. they use to call Every day until I changed the number, I would get bill, the reps. would say to me do n't you want to have good credit, or they would say, what if you decide to buy a house or a car you wont cause your credit will be poor, and some would say you cant just make debt and not pay. but the one rep that told me to prove that I did n't owe the debt was Very disrespectful, and mean for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
I was searching for plane tickets and went through different websites. I was in one and didnt submit the purchase but realized that it was went through the my credit card. I immediately called the Bank Of America costumer service. The person on the phone said dont worry it will go away. If not we can dispute it. And I bought another ticket and went out of country. I t was always in my card and didnt go away. When I am back to USA I filed a dispute and they paid me the money. After a couple of months they recharged me the money. And their costumer service was so unreachable. I have spend hours on the phone and still couldnt get the supervisor. They were not helping me to connect with them. Anyways they charged me the XXXX $ for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: AMERICAN EXPRESS COMPANY
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:
I have a fraud alert on my credit report that requires companies in which I apply for credit of any kind to first contact me to ensure it is me applying before running my credit and applying a hard inquiry to my credit report. Today American Express did not do this. I was expecting a phone call so that I could ascertain the validity of the pre-qualified offer I received and then discuss with the person verifying my identity my options before fully applying for the card. This did not happen and I just verified with XXXX  that it should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : 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 2017-05-20
Company: DISCOVER BANK
State: NJ
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:
XXXX   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost  my credit score to pl ummet substantially. They have as of today    XXXX   XXXX  ,2017 re moved my   XXXX   XXXX   XXXX   Discover Card,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all th e Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I signed up the an American Express TrueEarnings Card. The contract specifically stated that I would receive cash back for eligible purchases. My first cash back check should have arrived in 2015. It never did. So, I contacted American Express to reissue the check. They refuse.

Company response to consumer: Closed with monetary relief