BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good evening, I opened an American Express card in XXXX of 2021. I am XXXX XXXX and I was told by American Express that since I am XXXX XXXX that I would not be charged the annual fee of {$450.00}. This is only reason that I went with this card is because the representative told me the yearly fee would be waved. 

Since XXXX of 2021 I have been working with Amex to resolve this issue, with no forward movement. I have been told " yes we do waive the fee for XXXX XXXX folks, we just need some documentation and that this will all be sorted ''. I have uploaded Statements of Service and even pay stubs showing that I am XXXX XXXX. Then I always get a letter in the mail saying that my request has been denied. So then I call again and start the whole process again. I am told " that this is a mistake and we will get this refunded to you, your XXXX XXXX service is important to Amex '' ... the refund has never happened. 

While trying to resolve this with Amex I have been charged 2 annual fees and wasted so many hours. I can not tell you how dissapointed I am. I feel like the victim of a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: AR
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:
Experian REFUSED to accept, correct, or examine my LEGAL DOCUMENTATION proof that a Fraudulent XXXX  account illegally using my name was written off for over {$10000.00} was found FRAUDULENT and I WAS NOT HELD LEGALLY RESPONSIBLE by XXXX XXXX Corporate Offices after they conducted their own official investigation. My credit score literally went from XXXX to XXXX overnight. Also, Experian previously removed the Hard Inquiry after FRAUD was proven by this account. It just popped up on my credit file overnight and said it had been on my credit file since XX/XX/2017. It DOES NOT APPEAR on any of my other Consumer Credit Reporting Agency Files.

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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXXXXXX 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 Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: NJ
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:
Wells Fargo closed out my case sending me a letter explaining their findings, the vehicle I financed from them was repossessed XX/XX/15 yes they sent me a check but it wasnt what I endured or went through, first I came out of pocket XXXX dollars a month for cab service because no bus went from my address to my job 5 cities away starting at XXXX in the morning, I paid at the end of the month, second they said the repossession was off my report which at the time wasnt when I tried to get another car it was still on there months after, I had to call them then they removed it causing me not to get the vehicle I wanted at that time. Yes the repossession is off now but at that time it wasnt causing me to still pay out of pocket ... they just sent me a letter when I called them.they said someone would be in touch and as of last week I've heard from no one ... I spent XXXX for a lease then XXXX, XXXX to wells fargo to finance that very same vehicle Wells Fargo sent me a XXXX dollar check without sending any information till the check was giving then I feel like I was ripped off I'm sure they sold that truck more then what they gave me ..I feel as though they just paid for no inconvenience at all...

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 2022-11-27
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act XXXX  account # XXXX and # XXXX, have 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 reports a consumer reporting agency can not furnish a account without my consent

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 2023-04-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I opened a line of credit with Paypal on XX/XX/XXXX because they offered {$20.00} off an order of {$110.00} through XXXX. When I was missing a couple of items, XXXX partially credited my original form of payment in the amount of {$8.00} on XX/XX/XXXX. PayPal took it due to the {$20.00} offer they " gave '' me. One had nothing to do with the other, as the refund was for missing items. When I tried to dispute it with PayPal, an auto message said I couldn't. Now I have to pay full price for the missing items ( {$12.00} ), as well as not getting the full {$20.00} off of my order. This is unscrupulous and unfair, and I want the {$8.00} credited to what I owe. Thank you for your help with this matter.

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 2023-02-21
Company: EQUIFAX, INC.
State: TX
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:
N accordance with the fair credit reporting act 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Comerica
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comerica Incorporated ( Comerica ) has flagrantly and diligently violated several federal laws. CEO XXXX XXXX, CCO XXXX XXXX and CFO XXXX XXXX are all criminally liable pursuant to 15 USC 1611 ( 3 ). Attached below is my first Affidavit of Truth to Comerica Incorporated ( Comerica ) which they received and signed for on 03/11/2021. I have outlined all of your company 's violations of federal law in detail and provided clear conspicuous break down of all related federal laws. I have not included any requests in my Affidavit of Truth below but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, natural person and federally protected consumer. No bank can originate, lend or extend credit and pursuant to 12 USC 1431 Comerica Incorporated ( Comerica ) are simply borrowers. My Affidavit of Truth is the first step in my private administrative process to give Comerica Incorporated ( Comerica ) a chance to resolve these issues ( all there violations of federal law ) by providing my demanded remedy included in my attachment below immediately. Failure to do this, using deceptive delay tactics or stating false informations in regard to these issues to avoid providing my demanded remedy will only worsen things for your company. Comerica Incorporated ( Comerica ) has caused me severe personal injury over at least the last 5 years. I advise whoever at Comerica Incorporated ( Comerica ) who receives this CFPB complaint and Affidavit to forward it to your executive team and legal team. Such individuals will understand what this attached document signifies and means. As this is my first step in my private administrative process, I hereby implore your company to resolve matter immediately to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony, and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score.

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 2023-10-05
Company: U.S. BANCORP
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
My aXXXX XXXX have the Florida Empowerment Scholarship for Unique Abilities -- aka XXXX students. Step Up for Students, the scholarship administrator, teamed up with US Bank to assign us Focus cards to get reimbursements paid on. US Bank will charge all kinds of fees. There is no branch of US Bank in Florida. We did not ask for these cards -- they were opened without our permission. It is difficult to pack up and take XXXX children to ATMs and banks every time we need a reimbursement for an educational expense. XXXX XXXX, the Florida Marketing Manager for US Bank, bought his way onto the SUFS Board of Directors, and now we are being forced to use his bank 's cards. If I don't activate the card, then I can't get reimbursed for educational expenses I have already paid for. This seems really, really illegal and corrupt. Because you fined them last year, can you investigate our problems this year? Thank you!

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 2023-06-27
Company: EQUIFAX, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Account information incorrect

Complaint:
all of my NON PUBLIC PERSONAL imformation is being spread around with all the credit reporting companies without my authorization or permission!!?? XXXX XXXX XXXX, XXXX card, XXXX XXXX Bank, XXXX XXXX, XXXX XXXX bank, XXXX credit which is a complete Fraud along with XXXX funding, to begin I never authorized my payment history my personal banking history and certainly not to these fraud companies I never had a relationship with them let alone authorized them to publish my personal non public history or a fraud collection!!!!! 5 USC 552 a " It is illegal to report ( TRANSACTION HISTORY16 CFR 313.10 I am exercising my right opting out of any and all authorization I the consumer may have given to any bank or person written or non written, verbally or non verbally effective immediately and indefinitely in conjunction with 15 USC 6802 ( a ) ( b ) ( c ) all information inquiries and payment history be removed at once no authorization was ever given

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 2023-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
In XXXX of 2022 Citizens Bank, where I bank, offered a " Cash Back + '' credit card with the following perks. {$200.00} cash back bonus after charging {$500.00} in the first 90 days, plus another cash back bonus for the cost of a TSA PreCheck up to {$100.00}. I completed both of these tasks within the allotted time frame, charging {$800.00} on XXXX XXXX and purchasing the XXXX XXXX on XXXX XXXX. To date I have only received one of the promised awards, the {$200.00} for charging {$500.00}. it has been nearly five months and I have not received the {$85.00} for the TSA PreCheck. I have visited the branch several times and sat with them as they had a live chat with credit card customer service at which time they stated they would apply for the rebate to my account. I also called customer service and experienced long waits on hold then when a person finally answered we were cut off half way through the conversation. This happened twice. Before I was disconnected the representative told me I did not spent the required {$100.00}. It only cost {$85.00} to acquire the TSA PreCheck and further it states on the enclosed flyer that you get " up to {$100.00} '' it says nothing about haveing to charge at least {$100.00}. It has been over three months since the local branch employee had the live chat and still nothing has been applied to my account. I am attaching a copy of the offer, although it says expired on top it was active when I applied for and received my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, XXXX  or Transunion. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-27
Company: EQUIFAX, INC.
State: CA
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: IA
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: Was not notified of investigation status or results

Complaint:
I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 2. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 3. ) XXXX XXXX acct no. ending in XXXX, the date opened, XX/XX/XXXX 4. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX, acct no. ending in XXXX, the date opened, XX/XX/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 non-monetary relief