BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I have been an American Express card member since XXXX. In addition to my XXXX XXXX  credit card, I was recently approved for the XXXX XXXX Credit Card earlier this year. I have made two monthly payments on the new XXXX XXXX Credit Card. 

From XX/XX/XXXX - XX/XX/XXXX, I have been reaching out to America Express to request a courtesy refund of late charges of {$29.00} assessed to my credit card. They have denied this request with no reason given. On my last call, I authorized a 3-way call with reps from XXXX XXXX XXXX , American Express and myself. 

My payment was due on XX/XX/XXXX. I scheduled a payment to be made via Online Banking with XXXX  XXXX XXXX to be delivered by XX/XX/XXXX. A late fee of {$29.00} dollars was assessed on XX/XX/XXXX. The payment was posted to my account on XX/XX/XXXX. 

On several attempts, I explained to the American Express representative that I also had another American Express credit card that I also paid via online banking with XXXX XXXX XXXX. The payment for this credit card is sent electronically. It was my expectation that when I added the new credit card that the payment would be made electronically as well. I have come to learn that due to some unknown reason, which no one at either bank can explain, a paper check is sent. 

As the consumer, I don't know what internal process XXXX  XXXX XXXX uses for bill pay nor do I have control over the USPS. Even with this knowledge, American Express refused to refund the late fee and that is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 5 phone calls on XX/XX/XXXX due to a passed due account less than 30 days I advised to cease calling due to creditor harassment I was told per their policy they are to call multiple times a day until a payment is made. I received 3 more phone calls XX/XX/XXXX regarding the past due payment and was talked to aggressively by the representatives. And continued daily since receiving phone calls after advising numerous times to cease contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: CO
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 have been unable to request my report from XXXX XXXX XXXX and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax. I have called Equifax multiple times and waited on hold for 3-4 hours to have them solve the problem and they have found no issues with my account. A supervisor was finally able to tell me that the issue is with my somehow having two erroneous/duplicate accounts with Equifax which must be merged. When he put me on hold to fix this, I was hung up on. I have tried calling to get through to a supervisor multiple times and one never becomes available. No customer service representative can find a fraud alert, block, or see the duplicate accounts associated with my account. Nobody from the company has offered to call me back and their policy is to tell me to hold until a supervisor becomes available, checking in every 5 minutes. This has been very disruptive to my week and caused me to be fired from my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There were 2 charges to my account that I didn't make. on or about XX/XX/XXXX for {$500.00} and XX/XX/XXXX for {$350.00}. These charges were made by my daughter XXXX XXXX. She applied for her own credit card when making the 1st purchase. Her credit card was approved and sent to her home address in XXXX XXXX NY. I have informed the credit card co. of this, and a copy of XXXX 's credit card has been sent to them in a sincere attempt to correct this company error. 
These charges were disputed and I was making the minimum {$27.00} monthly payments to protect my credit. On XX/XX/XXXX XXXX XXXX Bank sent me a check for {$210.00}, with no explaination of what the check was for. I thought the problem was resolved. Then on XX/XX/XXXX I recieved the XXXX 's XXXX statement that closed on XX/XX/XXXX, with a reversal of the provisional credit of {$350.00}, and a reversal CHARGE of {$21.00}, and also listed the refund of {$210.00}. This bill showed a new balance of {$370.00}. 
Bottom line is I never made these charges. My credit report is not showing this credit card anymore, however I did make the minimum {$27.00} payment and noted disputed on the check. I really needed some time to look into the legalities of what is being done. Do I have to continue making the minimum payments to protect my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: KEYCORP
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In 2001 I applied for a private loan with Key bank alternative loan to help me mitigate the cost of flight training. While I was told I needed a consigner, which I provided for the first initial loan of {$10000.00}, I was never asked for the consigner for the following loans. 
My consigner only agrees to sign for the first loan, not for the other. So, in the end, my consigner was attached to all my loans. I attempted to fight this when I found out, but surprised, Key Bank had closed the program and sold the business to XXXX XXXX, which in return had sold it to XXXX and so forth. 
I had been paying my loan on time for years, and I am positive that I had already paid my loan, but somehow I am still owning a lot of money. Every time there is a fee, the loans get sold to another company. Every time I am trying to get information. The replay is that the company is collecting money, and I need to contact Key Bank ; when I do that, they told me that the program doesn't exist.

I do not expect a freebie, but I am tired of being treated like garbage. Nobody answered why they lied to me about how they use the cosigner. 
I want to pay my dues and get it done, but they add more fees to my loans each time. 
I am tired and desperate and can not move forward with my life. Even though this is a private loan, it is a personal STUDENT loan. This was catered towards students. 
I do not know where to reach out. Please let me know what I can do? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
Equifax has continued to violate my consumer rights. I have disputed the credit transaction conducted by XXXX XXXX XXXX XXXX without my knowledge or consent on my credit report a number of times as this credit transaction should NOT be on my credit report. The CFPB has continuously and repeatedly closed my complaints with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by XXXX, as the credit transaction involving XXXX XXXX XXXX XXXX is and has been in dispute and should not be reporting any information to my credit file. Litigation has been filed as a result of said dispute, case file # XXXX, filed in the XXXX XXXX XXXX XXXX Georgia XXXX The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The XXXX XXXX XXXX XXXX account XXXX XXXX last reporting XXXX XXXX, XXXX, should be deleted and blocked from my credit/consumer report. 

XXXX XXXX account number XXXX XXXX is showing closed and should be deleted and blocked Capital XXXX account number XXXX XXXX is showing closed and should be deleted and blocked XXXX XXXX account number XXXX XXXX is showing closed and should be deleted and blocked Credit XXXX Bank account XXXX XXXX XXXX is showing closed and should be deleted and blocked XXXX XXXX account XXXX XXXX XXXX showing closed and should be deleted and blocked XXXX  account XXXX XXXX XXXX is showing closed and should be deleted and blocked ( opened XXXX XXXX, XXXX reported XX/XX/XXXX ) XXXXt account number XXXX XXXX XXXX XXXX closed and should be deleted and blocked ( opened XX/XX/XXXX reported XXXX XXXX, XXXX ) I have send Equifax the identity theft report required to support my claim. I have sent copies of my government issued identification as required. Though the prescribed laws via FCRA and FDCPA that Equifax and CFPB are required to uphold are being overlooked and blatantly ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: PLANET HOME LENDING, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Planet Home Lending LLC My complaint is that is company is dirty and in dereliction of duty. They are trash and they should not be in charge of the life investment a home is to Americans. Enough of these shady grifters.

This company is not able to process anything or keep any records coherent. They lack the coordination, the infrastructure and reputation to be a lender to anyone.

Their internal systems are a disaster, their company website has many security issues as well as link jackers. They have no unified number, and send no physical or digital correspondence. I had no clue who they were until I talked to three different originators. They are charging me for a month they said I did not owe because they have no paperwork with anything. 
They are a shoe-in for cyber attacks and their terrible systems will result in another data breach. This is negligent, and they refused to give me the regulatory agency they report to. They refused to give me any serviceable address for them as well.

The fact my VA loan can get handed to 3 different companies without my knowledge is bad. The fact Planet Home Lending is a lender is outrageous. Im filing a complaint with the VA and I am pushing for a 3rd party security audit for their systems.

They are on record accepting bribes and grifting money from Americans. They should not be allowed to lend to anyone. They are unorganized loan sharks. How are these people allowed to handle a VA Loan? This is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Acceptance Account # XXXX To whom it may concern, Thank you for taking the time to help me get this corrected. 
I purchased a new vehicle ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX and I financed it through Credit Acceptance. Unfortunately I fell behind on my payments due to XXXX XXXX and had 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Since the late payments were due to work shutdowns due to XXXX XXXX, I was told that as long as I continued to make my payments on time that my account would be reported as current, XXXX XXXX, or no information provided. In order to protect my credit I continued to make all the payments on time and even paid off the loan early on XX/XX/XXXX. Unfortunately Credit Acceptance reported and still is reporting that my account was severely delinquent throughout XXXX and XXXX on XXXX, 3 late payments on XXXX, and zero late payments on XXXX. All 3 reports are reporting different information from Credit Acceptance concerning my account. This is not only inaccurate, it is unlawful. They are required by law to only report true and accurate information. Due to these inaccuracies, I have experienced more expensive auto insurance, higher credit card rates, and I am unable to purchase a home. I need this corrected as soon as possible. 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from XXXX, XXXX, TransUnion etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.

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 2023-06-03
Company: EQUIFAX, INC.
State: NJ
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has posted an account on my credit report. XXXX XXXX  associates is a debt purchaser. However XXXX XXXX services never notified me of my right to dispute the debt that they purchased from Synchrony bank. In addition they claim that the Date of first delinquency was XXXX XXXX THe original date of deliquency was XXXX XXXX with no payments or promises to pay being made after that,

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit 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 XXXXXXXX Date Opened : XX/XX/2003 Balance : {$10000.00}. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.

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