BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express refused a purchase on XX/XX/XXXX that was within my credit limit with no warning and then decreased my credit limit by 30 %. Two of the reasons listed for its decision was my FICO credit score and my percentage of utilization of revolving credit. In  lowering my available credit limit, both factors will be further negatively affected. I spoke with a customer representative from American Express who said that my credit could be restored with a {$250.00} payment to be applied towards my balance on the account in question or by submitting additional personal financial information. 

My complaint stems from the fact that my credit limit was lowered without warning, which will only further impact my credit score which American Express cites as a part of their reason for their action, and that the only grounds for having it restored are additional payments on an account that is current with no payment due or by submitting additional personal financial information. American Express ' actions and resolution processes are predatory and aim to bully its clients ( me ) into early payment or unfair disclosure of additional personal financial information. 

Furthermore, at the time of writing this complaint, I have yet to receive a letter or email from American Express detailing in writing their specific process for restoring my credit limit all of this information was presented to me over the phone by their customer service representative, so I can not review this information myself or attach American Express ' requirements to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed 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 explanation
Consumer complaint received 2023-04-03
Company: CITIBANK, N.A.
State: CA
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:
Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act that may provide me with the means to discharge my debt entirely. The act is known as HJR 192.

HJR 192 is a joint resolution that was passed by the U.S. Congress on XXXX XXXX XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. 
Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew. 

Thank you for your consideration in this matter. 
Sincerely,

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 2023-02-19
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
Issue with American Express and XXXX XXXX XXXX. Specifically, there overreach of removing funds from our XXXX account based on a mis-keyed web credit card payment for which we never received the funds. 

One of our larger clients office managers went to our website on XX/XX/2022, to use our after-hours online bill payment system. She was trying to pay an invoice for {$720.00}. By mistake she mis-keyed the amount as {$72000.00} and pressed the accept button. She closed the web payment system and marked the invoice paid. 

On XX/XX/2022, at XXXX I received a call from an individual from XXXX XXXX XXXX XXXX He described himself as a " fraud investigator ''. After confirming his identity, he asked me if a charge for {$72000.00} was valid. I told him that it was not and was most likely a mis -key. He told me that XXXX would be holding the charge and would be voiding it. He stated that no further action was required on my part. The only phone number that he left was a " XXXX phone number '' which he does not answer. 

The Vice president of my customer 's company called a day later and said that the charge of {$72000.00} was showing on their Amex account and he wanted to make sure it was removed or credited. At around the same time a charge from XXXX was put through on our account for {$2700.00}. We however never, I repeat never received the {$72000.00} in our account. So, XXXX debited our account but never credited us for the {$72000.00} mis-key. 

The ensuing conversations with XXXX were ridiculous. They refused to void or return the withdrawal from our account. They made our web processor process a refund, even though we never received the payment, and when we contacted a supervisor from Amex to speak to them regarding the issue, they told the Amex. supervisor " how do I know that you are really from Amex. Are you kidding me! 

Subsequent contact with XXXX proved to be fruitless. We filed a complaint with the FTC ( report # XXXX ) no response was received. 

XXXX is blaming the issue on American Express. So we sent a complaint to the CEO and Executive office 's of American Express. They never responded. 

We are asking that American Express through XXXX immediately return the withdrawal to us. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 requesting to remove the fraud alert on my Credit report. I've sent mail about it but Ihave n't got any response yet from the credit bureaus. Please help me. 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 2021-11-22
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 XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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 items listed below : 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 2021-08-26
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LENDMARK FINANCIAL CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION, CALLING ME REPEATEDLY BEFORE XXXX, AND AFTER XXXX, EVEN CONTINUOUSLY THROUGHOUT THE DAY. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT LENDMARK FINANCIAL COULD RAISE OR LOWER THE CREDIT RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE LENDMARK FINANCIAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: BSI Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Having problems from the first second this company came to us. New problem now : Company did not get transferred loan correctly, which turned into a world of problems. Had to contact CFBP and the XXXX to get an answer out of them. Loan transferred to them without knowing it, and they started sending us foreclosure letters because we were on a forbearance plan with the previous one when it was transferred. ( Even thought we went back to making payments ) An entire year goes by, and they randomly send us a loan modification. The modification did not make any sense, and was wrong. Wrong dates/ wrong amounts etc. We decided to sell our house, and we asked for the payoff ( to get away from this company, this it literally our only choice at this time ). They gave us an amount that is completely wrong. During this time we got a lot of answers for everything and there payoff manager FINALLY explained everything that happened. Once we found out ( finally ) still never actually spoke to someone because no one ever called or email until we had to go to length of contacting them through CFPB and the XXXX. They said they would no longer honor thier initial loan modification and sent us another one we a 3 % higher interest rate. We locked in an interest rate VA at 3.6 and they jacked it up to 6 % and said there wasnt anything they could do, even though they literally sent us one 1.5 months prior to that. We said we would not sign that because we should not have to pay 6 % interest rate, and everything that happened was because they had thier data incorrect and did transfer the loan correctly. There payoff manager has been the only one to communicate any of this with us, and no one else has tried to contact us. They once again just messed up our credit, by saying we were late, when we in fact are not late at all, and have making payments. If anything, we owe them the three months, but each time we get a document from them, it says a different amount of debt. It XXXXnow says we owe them XXXX yet, our mortgage is only XXXX a month. 

They need to fix our credit, and interest rate, and we are paying off the loan. I have no idea how a company of this size is allowed to do business anymore. They have messed up so many peoples credit and lives, and cant even call a consumer. 

They need to fix this immediately. Especially our credit. 

Please note I have attached the response of the " Vice President '' saying we failed to return the loan modifications. We did not even know what the modifications were and they were not correct. They did not explain anything to us, and when it was finally changed they changed the interest rate to 6 %. This is unacceptable and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: CA
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  XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

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 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I added 6 authorized users to my credit card. Then, Bank of America cancelled my account without notice. I only received notice about 7 days after the account was closed and they did not allow me to reopen the account. 

I called Bank of America on the morning Wednesday, XX/XX/2023 after realizing my Credit Card transaction was declined because my account was closed. I tried to do a transaction earlier that morning, but I got an email that the transaction was declined and the reason saying my account was closed. I did not close my account. 

They explained that I will get a letter in 7-10 business days. I was not given a reason at the time, or allowed to reopen my account after asking.

I received a letter saying the account was closed for " irregular authorized user activity on one or more of your accounts ''. I was never told or warned that this was not allowed. I was never given notice that my account was closed until it already has. I was not given a chance to explain what has happened or any chance to fix what was wrong. Bank of America did not allow me to reopen my account. 

I paid my card on time and in full every month. My XXXX credit report as stated in the closure letter had multiple accounts, low utilization and perfect payment history with a XXXX FICO score. This card is one of my oldest accounts and closing the account will adversely affect my credit.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: LA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: GA
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 have repeatedly asked Experian to please send me validation of said acct ; XXXX XXXX XXXX- I do not have nor have I ever had any business w/XXXX XXXX XXXX  - Additionally, I have requested they provide the name, address, and telephone number of each person contacted regarding this alleged acct. 
along with a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

I have requested that any automated response or e-Oscar verification is unacceptable. 
I have asked for a reinvestigation AND their Method of Verification several times. I am/have made a final goodwill attempt to have Experian clear up this matter. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I have advised them that I will be reporting them to the Consumer Financial Protection Bureau and the Attorney Generals office. 
They continue to be NON-COMPLAINANT according to the FCRA sections 603, 604, 609, 611, and 623, BY SENDING MY THE SAME AUTOMATED RESPONSE : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

My Next and only recourse is to file a Civil Penalty Claim for their willful non-compliance.

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