BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have XXXX XXXX AmEx gift cards that don't work for any online purchases or bill pay. It's ridiculous that I can't use these cards online when 99 % of my purchases and bill pay are done online and all my information is correct to balance the gift card information and me as the payor. Why can't I use these cards to pay my own bills?? They don't work at stores online or bill paying and no one at Amex can explain why. I'm requesting the funds on my XXXX AmEx gift cards be issued to me via a check as I'm tired of trying to jump through hoop after hoop to use these cards. Is this how they get people to not use the cards so they can keep the funds? That's WRONG!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian placed negative items on my credit report into which I informed them I didn't authorize them to place these items on my reports and to delete them but Experian credit agency still did not remove it

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 2021-06-17
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Afternoon, I have reached out to XXXX XXXX through certified mail and phone with no resolution. They have placed an account on my credit report without validation. I have requested validation on several attempts and have gotten nothing. Please hep me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have advised the collection agencies for XXXX XXXX XXXX XXXX to not call my job multiple times and have provided them with Mobile number and they still continue to call my job. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.

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 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank issues scam credit cards with foreign customer service agents who can not speak English. One scam issue I have incurred as follows : Scammers pose as Capital One or a legitimate company and ask you to provide personal information or transfer money by phone, text or email. They use a fake caller ID that could show up as Capital One and/ or request remote access to my device. 

Capital One reports inaccurate card payment status to Credit Bureaus. Also they can not make a Change of Address to my account without submitting a Driver License Photo across the Internet. Been scammed by their Customer Service Department at least 4 times and my personal information was compromised. 

Bank Information : Capital One Bank Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
XXXX was fraudulently opened under my name using my personal records and information to obtain a credit card. THIS IS UNAUTHORIZED. There was a fraudulent charge or {$21000.00} and the account was opened on XX/XX/202. 

I have made several tried to find a solution with the bureau and the creditor. However, I have come to a dead end. Hence why I'm reaching out to the CFPB for help. I have also filed a claim with the FTC.

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 2023-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized & unrecognized inquiries on my credit reports 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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. My credit score drop with Trans Union XXXX points and it dropped with XXXX XXXX points. I just noticed that my alert on my credit file stated that a new collection was placed on my account. I have never heard of the company called XXXX XXXX XXXX. But XXXX and Trans Union allow this company to place this on my consumer credit file. I have not received one correspondence by mail nor phone call. This is very stressful and overwhelming which causes anxiety. Attached you will find copies of what was on my Consumer file. Please remove. I have no idea about this company and I have never had an agreement. 

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

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.

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 2018-04-19
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Loan Number : XXXX  XXXX Case Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX FL XXXX. I was a victim of Hurricane Maria and live in XXXX County Florida which was declared a disaster zone. I missed work due to the storm and received a letter from Caliber Home loans regarding payment assistance options. I opted to take advantage of this program due to the loss I suffered in income and damages from the storm. It is my hope that someone can assist me to remedy the awful situation that has ensued.

On XX/XX/XXXX I received a letter which is attached that unequivocally states that I was approved for a Forbearance Plan without any further information or documentation needed from you ( me ). As ofXX/XX/XXXXI have been notified that the Forbearance plan aforementioned was actually not approved and my loan is now delinquent and could be foreclosed. This attached letter was misleading and deceptive and has caused me great distress in my life. I am currently XXXX  and the stress and anxiety associated with your incompetence in handling this matter is causing me great personal grief.

In addition, I am divorced from the co-borrower XXXX XXXX and have been awarded the home in the divorce. This is recorded on public record. No information from him will be given to the lender.

I have reluctantly filled out paperwork for modification. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX, XXXX Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: MS SERVICES LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had disputed with this company several times. I first asked for validation of the debt and they sent me the debt information from XXXX XXXX XXXX XXXX for the amount of {$200.00}. I was a former customer with XXXX XXXX XXXX XXXX. I then sent them a certified mail for pay for delete to dispute the debt and they completely ignored me!! This debt does really hurt on my credit report!! I need them to help me dispute this them and not being rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: HI
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 ordered an icemaker ( Order # XXXX ) on XX/XX/2023 for delivery to store # XXXX. 
I have not received the item yet. Today I called Home Depot ( XXXX ) and spoke to XXXX, who could not explain why I didn't get the item yet. 

The invoice number is : 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 monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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 2021-07-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please note this is an amendment to complaint XXXX. My complaint stems from the time starting XX/XX/2021 when I came in communication with Loancare about coming off of my forbearance plan. My request with XXXX was to understand if an adjustment in my current loan/interest rate XXXX 3.25 % XXXX more aligned with current would be possible. They said that they would review my loan and send me an offer within 30-45 days. Fast forward to XXXX and my loan has been transferred to a new servicer ( Shellpoint ) who says the only way to get a reduced interest rate is to refinance. 

I understand Shellpoint ( new loan servicer ) position. However this mean I will not be able to be under consideration for a refinance until XX/XX/2021 XXXX 3 months out of forbearance ) If XXXX had worked with me in earnest I would have been able to refinance as early as XX/XX/2021. 
A refinance will restart the clock on the amortization schedule which is something that I really dont want to do New Rez is owner of the loan so I dont really understand why things changed when the loan got transferred to a new servicer anyways and I'd like an explanation of this because I dont feel like I've been dealt with fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/21 i had an emergency and needed funds from my account and chase just closed and the employee was at the door but wouldnt let me in. I needed cashiers checks for a lease signing so it was an emergency. They charged me {$69.00} on my debit card from pulling the money at another bank and refuse to reverse the fee. I called them twice and spoke to and they wouldnt reverse it and i was unaware of this fee as my account allows fee reversals on the first 4 non chase atm fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30
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: Account status incorrect

Complaint:
XXXX, Equifax and XXXX have reported a 30-day late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, XXXXhey said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, Equifax and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I submitted a complaint to complaint.consumerfinance.gov with complaint # XXXX stating that my Leasing company Hyundai Motor finance is XXXX ) Harassing by incorrect credit reporting 2 ) Holding up my Tax refund from XXXX, XXXX county Post complaint, The leasing company and credit union corrected the credit reporting, however on the subject of Tax abatement and refund : - On XX/XX/XXXX the leasing company stated that they had applied for an abatement with XXXX County on XX/XX/XXXX, but has yet to receive a response. Should an abatement be processed, any refunded payment would be sent. 

Till today on XX/XX/XXXX, I have not received any update from the leasing company for my tax credit. 

Upon inquiry, XXXX county tax collector office stated that the letter, they received from the leasing company, requesting the adjustment is dated XX/XX/XXXX so they are not sure why they would claim it was sent in on XX/XX/XXXX. 
They also stated that the refund letter that is required to be signed and remitted was mailed out to the leasing company on XX/XX/XXXX. XXXX Tax collector office is yet to receive it back from Hyundai Motor finance, which is causing the hold up. 

In their earlier response to consumerfinance on XX/XX/XXXX, the leasing company : - 1 ) Had lied that they had filed for abatement on XX/XX/XXXX. 
2 ) Had lied that they did not receive any response from XXXX county tax collector office. 

My previous complaint to consumerfinance was closed without any action/help, and very conveniently, the leasing company, willfully, did not cooperate with tax abatement, in retaliation to my complaint. 

If consumerfinance would take no action, why do such institutions exist?

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 2023-10-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money disappear from my account and I was told since it was from ATM and others from different reasons I was denied my funds back and also from time to time I would see amounts of money gone from my accounts. I also applied for loans and credit cards from them and we're denied immediately and my credit score is not that bad plus I've been with them since XXXX and I have encountered numerous problems through out the years.

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 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I still can not access via XXXX phone number to dispute transactions with a live agent. Nor am I able to dispute transactions on their website or my account via their website. I forgot to look further into the dates previous to the week prior to XX/XX/XXXX. In any case, upon looking further, I am filing a dispute regarding transactions for a refund to card ending in XXXX for the following : XX/XX/XXXX - XXXX charge for XXXX XXXX {$370.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$51.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$29.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$3.00} XX/XX/XXXX - XXXX charge for XXXX XXXX XXXX, XXXX {$29.00}

Company response to consumer: Closed with non-monetary relief