BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Evidence of payments being made from a XXXX XXXX XXXX account include : XXXX XXXX XXXX- Payment amount {$350.00} from XXXX XXXX XXXX XXXX XXXX- Payment amount {$420.00} from XXXX XXXX ( Account 1 ( XX/XX/XXXX-XX/XX/XXXX ) - Payment amount {$280.00} from XXXX XXXX ( Account 2 ( XX/XX/XXXX ) - Payment amount {$700.00} from XXXX XXXX XXXX XXXX XXXX  ( initial payment XX/XX/XXXX for {$1100.00} check # XXXX from XXXX  ) All accounts paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter to XXXX, XXXX XXXX and XXXX, XX/XX/2023. It has been well over 30 days and I still have not received any thing back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX XXXX and XXXX have 30 days to respond to my dispute. This is a violation of my rights certified.

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 2021-04-03
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The involved company is Gemini and the issue is that my account is pending verification after 5 Months into submission of my personal identifiable information. I have emailed Gemini four times consecutively, explaining my issue but have not heard anything back. I invested funds into into the Gemini platform and have been denied to withdraw those funds due to my " Pending Verification '', and it tells me to " Please check again later ''. I can not access my funds or get Gemini to release them to me, Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for credit with FORD CREDIT and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a Ford XXXXXXXX XXXX fully loaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Complaint I purchased an upgrade to my AMEX card based on the offer given to me, then AMEX did not honor the offer. 

In XX/XX/XXXX I received the attached offer to upgrade my AMEX Platinum card. I have been an AMEX member for +10 years, and my wife and XXXX daughters also have platinum cards. 
The offer was if I upgraded to the Delta Reserve SKYMILES Reserve Card and spent at least {$4000.00} over the next 6 months then I would receive a {$300.00} credit plus XXXX bonus miles. 
I called AMEX on XX/XX/XXXX and asked if a purchase I made over the prior weekend could count towards the {$4000.00} spending requirement to earn the promotion as offered. I was told that only purchases AFTER I selected the upgrade would count. On XX/XX/XXXX I called AMEX again, asked for the promotional offer, and upgraded the card. 

From XX/XX/XXXX to XX/XX/XXXX ( today ) I have spent over {$30000.00} on my AMEX card, which more that qualifies me for the offer. In fact, I exceeded the {$4000.00} requirement before XX/XX/XXXX. 

I began calling AMEX the week of XXXX XXXX to confirm that I had earned my promotion. Since that time I have spoken to numerous customer service people in the US and abroad, and supervisors int eh complaint resolution department. I was told that the {$300.00} credit had been applied to my account and that the XXXXXXXX XXXX were pending, but I never saw either transaction on my account. When I complained on this matter, I was told a customer service manager who could assist me would call me directly, and the call never occurred. So I would call back and the entire process would begin again with now resolution. 

Finally on XX/XX/XXXX I had had enough. I held on the phone for over 45 minutes until I could speak with XXXX, who said he was the senior resolution person who could handle my situation. He stated that I did not qualify for the offer and no credit or Sky Miles points were being given and that was the final position of AMEX. 

This is clearly bad business practices, and bait and switch to offer a false offer personalized to me in writing and then not offer the reward. I spent over {$160000.00} on my AMEX card last year, and I want the promotion I earned plus a formal apology from a senior member of the Corporation. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX 

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. 



In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX 

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 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 2022-05-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have checking and saving accounts with CitiBank for years. I used this account for fund transfer for payment from XXXX XXXX. XX/XX/XXXX, my account was frozen for unknown reason. There was no explanation. I went to a branch to complain. the bank manager worked very hard to call whatever department in the bank to get explanation and address for contacts to retrieve the fund. I had my lawyer written two letters between XXXX and XXXX as there was no response from the contacts. Between XX/XX/XXXX to early XXXX, XXXX, the account was reopen. It was my mistake not to withdraw and close the account due to my trust of the bank. Then I received a letter from Citibank dated XX/XX/XXXX, stating that this is the final Checking Account statement, my Checking Account is now closed. There is no explanation why the account was closed. Where is the total fund of {$17000.00}? Who withdrew this total amount? 
I called the number listed on the letter on XX/XX/XXXX, the response is that a check with my total fund would be mailed to me. I received no response. On XXXX XXXX, I called, the Debit card No. and PIN are not recognized by the system. I wrote a letter to the listed address, demanding refund. So far, there is no response from Citibank.N.A. 
I received a certified mail from the Attorney General of Washington dated XX/XX/XXXX, RE : Order issuing Process for XXXX of $ $ $ $ $ $ $ in Citibank , N.A . Account Ending in # # # # ( my account number. ) XXXX XXXX XXXX XXXX WAshington has ordered the XXXX by the State of WAshington of certain proceeds in the Citibank , N.A . account listed above, as money traceable to or derived from fraudulent claims for unemployment benfits... The seized amount is different than the fund that Citibank had grabbed from me! 
The Citibank has stolen my fund and closed my account. The Citibank has stolen my Identity card for fraudulent use to scam for unemployment benefits. It is criminal acts. I deserve justice and get my money back and at the same time, my name and identity should be cleared. I want this CFPB to take action, this bank needs investigation or closure to protect consumers.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: PA
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:
iam invoking my special Private Agreement and Authorization XXXX  XXXX, for infrinements and idenity theft,12 USC 1430,31 USC3123 , 15USC1602, U.U.C 3-104,31 USC5118 , HJR! 92.theses are the following that has been in breach i never gotten any loan from {$43000.00}, Inever got the loan from XXXX XXXX which they use my for the note and used my credit without my consent and sold the car with out my consent.i would like the property to be returned or pay back in full for infringment and value of the loan.

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 2020-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$500.00} BANKRUPTCY  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 several rental properties. XXXX with XXXX  XXXX  both are conventional loans I also have one conventional loan also with XXXX  XXXX. XXXX was very streamlined, and pretty accurate on handling everything including the credit reporting. However, XXXX did not report the same as XXXX  XXXX  on credit reporting. I started all 3 at the same time ; the same processes, same payments, same modification and was not in default or late on any of my mortgages when I started the forbearance process. I completed the modification program and even paid an extra payment that I was not made aware of when going into the modification process. This was probably missed by a lot of other consumers as well because it was not in the primary page disclosing the payment program. It was on a page prior to it that I almost missed because I didnt see it or know to look for it. I was recently denied a loan for two reasons- DTI was too high and my mortgage reporting from XXXX was not reflecting as XXXX reported my XXXX mortgages. XXXX said they had to report as it was delinquent during the processing of my modification. Which I believe is incorrect according to the Covid regulations. They also did nothing to help with the rate or terms of my mortgage as XXXX  did. I didnt even ask them if they were offering but when I asked XXXX they said they dont offer rate and term adjustments.

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 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by Portfolio Recovery Associates several times in regards to an alleged debt collection listed in the amount of {$1000.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. There has been no debt validation or verification provided to me concerning this alleged debt collection. I've requested all of the following with no response : -The original contract -Payoff disclosure -Interest Rate disclosure -Balance history -Payment history -Credit Insurance I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XXXX 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

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 2022-05-05
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 is missing that should be on the report

Complaint:
I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, XXXX, and TransUnion. XXXX reports the account number as XXXX, while both XXXX and TransUnion report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, XXXX, and TransUnion. 

Attached is documentation in support of this complaint.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was Transunion questioning my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX XXXXXXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. 

This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!

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