BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with American Express ( The XXXX XXXX American Express Card ) On XX/XX/XXXX, I made a {$23000.00} payment against an outstanding balance of {$24000.00}. On XX/XX/XXXX, I visited the American Express online portal https : //XXXX to verify receipt of my payment and to check the total outstanding balance. The site showed a {$1500.00} Total balance that included charges included {$1000.00} posted since XX/XX/XXXX. Those charges checked out. However, a pop-up linked revealed additional information, to wit : " A plan has been created with Plan-It on this account. The balance will adjust as plan payments become due. View Plans. '' I did create a " Plan-it '' plan back on XX/XX/XXXX. The " Plan '' was to select and group ten purchases and pay one flat charge over a period of ( 24 ) months for {$110.00} on a {$2200.00} grouping of charges. 

Problem 1. {$480.00} out of my {$1500.00} balance as of XX/XX/XXXX, is residual " unpaid interest '' from the created plan that American Express solicits and offers its customers. Purportedly, to better manage high unpaid outstanding balance. American Express claims it would save the customer interest over a period of time. However, American Express, as a " banking subsidiary, '' does not disclose the actual ( APR ) interest rate on its " Plan-it '' program. 

Problem 2. When a customer pays on a single credit card account. He/She is paying toward the total outstanding balance, which includes, principal plus, interest. Question : Then why can American Express arbitrarily determine which is principal, and what is interest, if a customer decides to pay off or significantly reduce his/her total balance, and thereby eliminating aggregate interest charges before the " 24-month Plan-it '' term ends. What is the savings here?

Problem 3. As a customer in good standing, I am uncertain whether I actually benefited from making the " Plan-it '' offer that was solicited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I've reported this number before and nothing has changed, they called again today @ XXXX XXXX. The number is XXXX. I am really tired of them calling for over two years now. I've spoken to them as well as texting them. they are looking for someone named XXXX XXXX. I am not her nor does any person by that name live here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Since XX/XX/XXXX I miss me XXXX XXXXXXXX Credit Card on my Experian Credit Report. 
I disputed over the Internet with Experian, without a result. 
I called since XX/XX/XXXX with Experian and XXXX XXXX back and forth. 
Experian told me is XXXXXXXX XXXX fault, XXXX told me is Experian 's fault. 
Friday XX/XX/XXXX I get a letter dated XX/XX/XXXX with an XXXX  # XXXX from XXXX XXXXXXXX and they wrod me " All major Credit Bureaus have been updated. '' I called Tuesday XX/XX/XXXX Experian because they send me a Report No. XXXX I should call Experian. They told me they don't get updated from XXXX XXXX. 
XXXX XXXX told me end XX/XX/XXXX that they reported the last time on XX/XX/XXXX. 
XXXX and XXXX XXXX have never lost my XXXX  XXXX Credit Card on their Credit Reports.

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 2020-12-10
Company: Experian Information Solutions Inc.
State: SC
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:
scammers and identify theft applied for an online loan in XXXX XXXX. 

I request an investigation, XXXX XXXX first replied it's an online application does not need a physical person 's signature in XXXX. Then XXXX XXXX investigated that personally applied this load in one of their Branch.

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 2020-06-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a Sam 's XXXX Synchrony Bank credit card on today Tuesday, XX/XX/2020. It was documented that I was not assigned the best interest rate that they offered because of my XXXX Credit Score as per XXXX. I have not had any success getting through with either Email ( XXXX ), or by toll free telephone XXXX. 

I can not make a human connection.

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 2023-12-09
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This company closed my bank account for no reason, I didnt violate any bank policies or agreements and they are holding my money and are not releasing it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
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:
It has come to my attention that you are not restricting files provided with an FTC fraud report. Because it is required by FCRA law 605b, I am sending this letter certified mail to assist establish legal remedies. If you do not ban the items mentioned below that are reporting incorrectly due to identity theft, I will turn over my paperwork to my attorney to initiate legal action. It is my aim not to take legal action, therefore please follow the law. Please delete the following products, which are fraudulent and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020. If you say that these goods are 100 % true and verifiable, I require copies of any paperwork linked with this item that has my signature, as I am aware that none exists. In the absence of such documents carrying my signature, I formally request that this information be removed from the credit file you keep under my Social Security number immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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:
It has come to my attention that you are not restricting files provided with an FTC fraud report. Because it is required by FCRA law 605b, I am sending this letter certified mail to assist establish legal remedies. If you do not ban the items mentioned below that are reporting incorrectly due to identity theft, I will turn over my paperwork to my attorney to initiate legal action. It is my aim not to take legal action, therefore please follow the law. Please delete the following products, which are fraudulent and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. If you say that these goods are 100 % true and verifiable, I require copies of any paperwork linked with this item that has my signature, as I am aware that none exists. In the absence of such documents carrying my signature, I formally request that this information be removed from the credit file you keep under my Social Security number immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and do an immediate update or correction form my credit file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Netspend Corporation
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/2023, I received a notification from Netspend XXXX XXXX ) indicating a transaction for {$490.00} at XXXX in XXXX, GA had been withdrawn from my checking account leaving me a balance of {$1.00}! I immediately called Netspend and advised XXXX XXXX  that was NOT me and I wanted to file a dispute! She told me I would have to call back because they can not file a dispute on a " pending transaction ''! It has to post to my account first. She further explained that the transaction was done via a virtual account and my debit card was not used ; My online access had been compromised! As the thief changed my password and credentials. I called back this morning, Monday, XX/XX/2023 a total of 6 times trying to get this matter resolved. I spoke with XXXX, XXXX, XXXX & XXXX. Another guy, I could not understand his accent or his name. He abandoned the conversation, switching me back to the automated system! Which is a complete merry go round! Because I incorrectly answered everyone 's computer generated questions, none of them could verify my account and so no dispute was filed against the fraudulent transaction! This is unbelievable! We must do better for our Seniors! We have worked all of our lives and now trying to enjoy retirement and we get robbed and then the bank won't even help us to recover our money! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I am filing a formal complaint against TransUnion. There are seven credit Inquiries I have disputed with TransUnion since late XX/XX/XXXX. Not only, have they ignored my disputes they have failed to investigate, correct and delete these credit inquiries. 

Due to their negligence, this has negatively affected my Consumer Credit Report and does show my true credit history. 

These hard inquiries are not mine. 
1. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 5. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX I - Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX Please look into this matter. I believe TransUnion is not maintaining complete and accurate credit information. Thank you I look forward to hearing from you and a resolution for 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 2022-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$3300.00} Account # 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 2022-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in 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 2022-12-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I XXXX XXXX have send in two letters to update the incorrect information on my report. I have my certified receipts. It is now pass 30 days and know response or action to my request have been made. The bureaus only have 30 days to respond to your letter. If they don't respond in time, the items you disputed are supposed to get deleted.

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 2022-02-08
Company: Mercedes Benz Financial Services
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called Mercedes Financial in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at Mercedes financial statXXXX it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: DISCOVER BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The scammer created a fraudulent bank account XXXX XXXX, XXXX at Discover Bank. XXXX XXXX, XXXX is a legitimate company that submits a monthly invoice to XXXX XXXX XXXX XXXX. The scammer intercepted an email from XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX and changed the receiving banking account information by submitting another email using email account XXXX. 

On XX/XX/23 XXXX XXXX XXXX transferred via XXXX XXXX XXXX XXXX XXXX {$11000.00} to the fraudulent bank account at Discover Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXXXXXX class action lawsuit. All loans from XXXX University were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. Experian corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer 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 explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 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 2023-07-20
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Received email to access XXXX XXXX XXXXXXXX XXXX on XX/XX/23 from Myprepaidcenter.com. Retrieved card and activated on XX/XX/23. Terms and conditions state that an inactivity fee of {$5.00} will be charged after XXXX months of inactivity. An inactivity fee was charged on XX/XX/23, which is a little over XXXX month. Called Customer Service number XXXX and there is no option to speak to a human or any way to get this corrected. NOTE : This card was sent to me in settlement of the XXXX data breach.

Company response to consumer: Closed with explanation