BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today, XX/XX/23 I received a bill in the mail from XXXX XXXX XXXX XXXX Home Depot. It indicates that I opened an account and have a balance of XXXX. The purchase was made in XXXX NJ and I live in PA. The account number for this fraudulent account is XXXX This is the second occurrence of fraudulent account activity at Home Depot, charges from the same city were made on my existing Home Depot account with Citi Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus

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 2022-05-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and received an American Express credit card offering {$270.00} cash back if the card was used for a target amount. I did this and received the cash back as a payment deduction. I decided to cancel the card 1-2 m later. Recently I received an e-mail indicated that the cash back was reversed and I now owed that amount. It was never made clear to me in any obvious way that the card needed to be held for one year for this offer to apply, only that I needed to use the card up to the target amount. I did not solicit this offer- it was a pre-approved solicitation by mail. 
It is likely that this one year rule was somewhere in the multiple paragraphs of the user agreement, but this was never made clear in any of the summaries of the offer, or when I cancelled. I had an AMEX card in the past for many years and was checking this one out because I received good service on that card. 
I think this is a shady way to do business. Why does AMEX make these offers and then revoke them? 
XXXX XXXX ( for record : birthday XX/XX/1955 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: AL
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-22
Company: Experian Information Solutions Inc.
State: AL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2022-05-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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 sent 3 dispute letters to Experian in concern of my student loan account, not reporting the correct payment history on my credit report. Experian credit bureau has told me that they have checked information but has not yet to send me any proof, By not being transparent is hurting my personal life. I have also contacted them numerous times by phone the last TWO dates where XX/XX/2021 an 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 2022-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiry to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiry removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiry that I am trying to dispute : XXXX XXXX XXXX MI XXXX XXXX US SM BUS ADMIN ODA Date of inquiry XX/XX/2020

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 2022-02-16
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The Constitution Article I, section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. The Obligations of Contracts Clause, typically called simply the Contracts Clause, prohibits the states from interfering with private contracts. While the clause might be applied to many types of common business dealings today, the framers of the Constitution intended it mainly to protect contracts providing for the payments of debts. Under the weaker Articles of Confederation, the states were allowed to enact preferential laws forgiving the debts of particular individuals. The Contracts Clause also prohibits the states from issuing their own paper money or coins and requires the states to use only valid U.S. money gold and silver Coin to pay their debts. Article IV All Debts contracted and Engagements entered into, before the Adoption of this Constitution, shall be as valid against the United States under this Constitution, as under the Confederation. This  Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding. The Senators and Representatives before mentioned, and the Members of the several State Legislatures, and all executive and judicial Officers, both of the United States and of the several States, shall be bound by Oath or Affirmation, to support this Constitution ; but no religious Test shall ever be required as a Qualification to any Office or public Trust under the United States. THERE FOR BY LAW THIS AGENCY CAN NOT DEMAND PAYMENT OF DEBT IN FEDERAL RESERVE NOTES. SEE : HOUSE JOINT RESOLUTION 192 73RD CONGRESS ON JUNE 5TH 1933 PUBLIC LAW 7310 STATES THE PASSAGE OF HOUSE JOINT RESOLUTION HJR-192 REMOVED THE ABILITY OF THE PUBLIC TO PAY DEBT WITH LAWFUL MONEY FOR THE PAYMENT OF DEBT WITH MONEY WAS REMOVED BY CONGRESS, THE LAW REQUIRED REMEDY.

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 2023-01-29
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: Problem with personal statement of dispute

Complaint:
As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus

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 2018-05-22
Company: Landmark Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My personal experience that occurred on XX/XX/2018 with our builder ( seller ) which also happens to be the branch manager of a mortgage company were no longer offering FHA loans. When my loan officer was working for landmark mortgage the builder ( seller ) wanted to roll in the closing costs of approximately {$9500.00} into the loan. This was a great idea. However, when i went shopping around for a better rate with other mortgage companies he found out was very upset and told me that if I chose another lender besides his preferred lender, he would not help me pay for my closing costs ( or roll them in ). I have documentation where he stated that he would not honor what he originally had promised us. I spoke with him that he originally was going to assist me by rolling in the closing costs and he agreed. However, he signed amendment he will void the amendment if i decided to go with another lender or mortgage company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Information belongs to someone else

Complaint:
I attach the report with the fraudulent accounts I never open.

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 2023-08-29
Company: Village Capital & Investment LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
XXXX XXXX working in concert with XXXX stated on multiple occasions that if I refinanced my VA loan that after 6 months my mortgage loan rate would go back to my original loan rate of XXXX percent from the XXXX percent. This was said by XXXX at XXXX and then again by XXXX at emortgage. After speaking with XXXX capital the gentleman that didn't give me his name said this is a common problem. So I did some research XXXX capital has been fined in the past for doing this exact same thing to veterans a protected class then hiding behind paperwork no one but a lawyer can understand. This company has made a living defrauding veterans and I am fully prepared to file a lawsuit. Class action if needed for all of the points I paid equaling over XXXX and all interest they would have collected over time. XXXX constantly " Checked with the lender '' which was village capital. They can either pay me back my XXXX and put my interest rate at XXXX what it was before I refinanced which I would of never ever ever let go or I can file a formal complaint in court and with the VA and I will make sure they can never underwrite another VA loan or defraud another XXXX veteran ever again. 
Loan : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX US Bank National correspondence received offering help. 

XX/XX/XXXX Attorney for US Bank pushed Judge for a sale date. 

XX/XX/XXXX, XXXX Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). 

XX/XX/XXXX - A second Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). 

XX/XX/XXXX -Per a US Bank Relations Representative , she sees no documents on file, and all documents needed must be sent to US Bank National by tomorrow, XX/XX/XXXX. 

I ask for a fax number. 

XX/XX/XXXX I fax the Mortgage Assistance Application, Pay stub, all hardship & medical documentation for Loss Mitigation for the Underwriting department ( XXXX pages ). 

XX/XX/XXXX I telephone US Bank National and was told to call back on Thursday - 2 days-to make sure the " Underwriting Department '' had everything they needed. 

XX/XX/XXXX I contact US Bank National and a Customer Relations Representative told me " the Underwriting department will not review the documents when there is a sale date scheduled. '' But they knew this in the days prior when they gave me a fax number and instructed me to call back to check on the documents I faxed.

US Bank National does not want to do a " mortgage modification. '' This is the same thing they did to me from XX/XX/XXXX to XX/XX/XXXX. 

US Bank National strung me along pretending to be " processing a modification application '' but each time I called/emailed to follow-up, there was always some document " missing. '' I never got the modification and US Bank filed a foreclosure action on XX/XX/XXXX. 
US Bank FORCED me into foreclosure.

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 2022-05-26
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the agency on XX/XX/XXXX stating that my physician had sent a debt for a medical bill to them. I immediately disputed this debt in writing, since the bill in question had been paid. I am continuing to receive bills from the collections agency after disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: BlueChip Financial
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Checked my rate online at XXXX for a payday loan of {$800.00}. It didn't show me a rate, but instead started a whole application. I was contacted by XXXX   who had me send in a copy of my bank statement and license.

I didn't recieve a truth in lending disclosure at the time until the funds were sent. The APR is over 400 % and violates North Carolina laws.

Luckily, they said I had three days to cancel the loan, and I did so on XX/XX/XXXX by emailing my loan officer named XXXX.

I didn't get a response.

I would like to get this toxic loan canceled ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/2019 stating that I am being given a two new account numbers, one morgage and the other insurance, which is not called insurance but voluntary hazard insurance. What the heck is that? Insurance in not voluntary. At the bottom of the page it states " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. IT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' I have no idea if this letter is ligitimate or not. I asked for a number of a parent company to call to verify and was told to get in touch with CFPB or an attorney. The customer service person seemed uncerned that I would be concerned over an out of the blue notice that my account numbers are being changed, or that a threat at the bottom of the page stating the letter is an attemp to collect a debt since I have a very high credit rating. My problem is simple. Is the letter on the up and up?. Especially because of foreign hackers being an issue in USA, and when I asked what country was I speaking to, I was told the XXXX. Thank you for validating this one way or the other.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: IL
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 you guys a dispute letter on XX/XX/2022 and still haven't heard anything back. Don't you guys have 30 days to respond.

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 2022-02-16
Company: JPMORGAN CHASE & CO.
State: CO
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:
XX/XX/2022, I used the Shop with Points on my Chase account to purchase a XXXX Combo Touch Keyboard Case with Trackpad for XXXX ( XXXX generation ). I received the shipment, and they sent one for XXXX  and XXXX  generation. This is the wrong product, not the one I used XXXX points to purchase. I immediately got in touch when it arrived to ask how to rectify this mistake, and entered a long miserable spiral where I emailed and called and spent hours trying to find out who would either return and replace with the correct item I'd ordered, or simply return and refund my points. I have a long chain of emails back and forth with Chase documented, including spending hours on the phone with the Chase XXXX returns service center that Chase customer service directed me to. I'm incredibly frustrated having this expensive device I can not use due to the company 's screwup, and being told by customer service on the phone that this was a 'nightmare situation ' they couldn't seem to fix for me. I'm stuck, and unsure where else to turn. 
Please note that in all the Chase replies they give varying answers about who to turn to for help, and what to expect. I've been sent in circles with zero help. I am attaching the screenshots of my communications with Chase and XXXX about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: AZ
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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX Bankruptcy Discharged XXXX & XXXX XXXX  XXXX XXXX XXXX {$0.00}

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