BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: AMERICAN EXPRESS COMPANY
State: NY
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 have a card with American express, and they emailed about a XXXX   interest pay overtime until XX/XX/XXXXof this year XX/XX/XXXX.

We got a limit of {$35000.00} for this pay over time.

So i had a bill with one of our suppliers for {$29000.00} that we needed to pay, so we thought to use this promotional offer, But since this is a larger amount of our regular cash flow, we reached out to american express customer service to confirm that this charge is eligible for this 'Pay over time ' promotion, and they gave us the OK, and we charged that amount.

Shockingly we saw our statement with a minimum payment due of {$29000.00}, with a due date of XX/XX/XXXX, and a penalty APR of 29.99 % if its not paid.

I called spoke to a supervisor name XXXX from XXXX  AZ branch, and was promised if i pay {$6000.00} she will move this large charge into Pay over time.

We paid the {$6000.00} in full on XX/XX/XXXX and today isXX/XX/XXXX and they still didnt fix this, and i scared of this bill how this will end up on our company.

I believe this was all a dirty trick they used to push us into the 29.99 % APR. and they should stop doing this and give us compensation for our painful time that we are so anxious about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loan that is not listed correctly XXXX/DEPT OF ED XXXX is showing XXXX XXXX PAID OFF when in fact it has been forgiven by The Biden-Harris Administration . I have attached the letter from the FEDERAL STUDENT AID Office of the US Dept of Education.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request

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 2023-02-21
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Charge Dispute # XXXX was approved by Discover and Charge Dispute # XXXX was denied by Discover when it was the same issue but a different amount. All documentation was provided in both disputes. Discover does not provide an option on their dispute process to identify a merchandise/service received that was overcharged by the merchant. The documentation provided in the disputes are " contracts '' between the merchant and one of it's nationwide prescription plans. If not resolved by this complaint, a subsequent complaint will be filed with the OH Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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  accountant # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 accountant with out 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 non-monetary relief
Consumer complaint received 2021-05-28
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: Was not notified of investigation status or results

Complaint:
Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: Account status incorrect

Complaint:
Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told XXXX would reverse any fees generated. The account was notated but fees was not reversed. Reached out to XXXX a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a XXXX XXXX error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted XXXX XXXX  and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a XXXX XXXX   error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 written Transunion over 5 times and they continue to lie stating XXXX XXXX Georgia has verified the information was accurate. I received another letter from Transunion dated XX/XX/2022 with an update from my dispute through CFPB. The letter has the SAME LIE FOR THE XXXX TIME FROM TRANSUNION AS BEFORE stating XXXX XXXX Georgia verified this inaccurate information. 
It is apparent the previous lawsuits against Transunion have not taught them a lesson and more should be filed. 
Transunion has added a bankruptcy to my account showing a filed date of XX/XX/2022. Transunion continues to add unverified bankruptcy information to my credit and breaking the law when it comes to credit reporting steps and verification of information that they place on my credit I have called the number Transunion has listed for XXXX XXXX Georgia and I also received correspondence in writing from XXXX XXXX Georgia that stated this was never reported, verified, or discussed by them to Transunion or anyone else for that matter. I have sent this with my dispute several time and spoken to Transunion on many occasions and they just start the dispute over cause me more time and stress. Transunion is the only bureau reporting this inaccurate information and continues to lie to me and prolong the investigation causing detrimental results to my credit report, loss of points with my fico, anxiety, mental and emotional stress. I believe it Is time to speak to legal cancel concerning this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NC
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  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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NC
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  Account 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: JPMORGAN CHASE & CO.
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:
In XXXX I noticed JPMCB and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to Grad school to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding is incorrectly reporting a collection account on all XXXX of my credit reports as an " Factoring account. I have never entered into any agreement with Midland Funding or any of its associates. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Because of the way they are incorrectly reporting this account, it appears to any other creditors that I have recently become late on a account and or loan when, in fact, I have not been late on or missed any payments with any creditors in nearly six years. This has caused me to be denied credit when I should have otherwise been approved. 

I sent a direct dispute to Midland Funding on multiple occasions specifying that they were incorrectly reporting a collection account as past due and requesting that they correct the information. They replied on stating that they were " unable to determine the nature of my dispute, and consequently deny that their records are inaccurate. '' I was very clear in my letter to Midland, I was very specific in my direct dispute, citing every error that was being reported. Midland 's response makes me believe that they did not even bother reading my letter or following up on any of my claims. 

Specifically, Midland may not list this account as a factoring account, as they are not a creditor and I have never entered into any agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as Midland is not a creditor and I do not have any installment agreement with Midland. 

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2021-08-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - Started joint mortgage process - credit reports pulled and pre-approved. XX/XX/XXXX - Received email from mortage loan officer that the co-borrower had a tax lien. I called and emailed the mortgage loan officer with no reply because he was not in the office, however, no out of office reply noted or message left to indicate his absence. I did call the bank to speak with the morgage loan officer 's manager and left message for a call back to discuss the lack of communication, but never received any communication. 
XXXX XXXX - Mortgage Loan officer then opened a single application ( credit reports pulled again ) as he stated he was informed to do by his management, however, when I spoke with the loan processer the loan processer informed me that two loans could not be opened at the same time, therefore, loan processer stated to work on the joint application and requested documentation that payments were being made on the tax lien and were current in which I provided all the documentation. This process dragged on until the end of XXXX when all the documenteds expired and yet another credit report pulled/co-borrower 's credit score did not meet the minimum ( of course not, as the credit report was pulled outside of the 90-120 days ) At this point, I requested to move to the single application that the mortage loan offcer started - yet again another credit report pulled for both the joint application and the single application noting that now " The number of inquires has adversely affected the credit score '' Really, thank you Huntington for all the hard inquires. XXXX, XXXX, and XXXX  have a total of 8 with Huntington contributing 5. 
XX/XX/XXXX - Received email from mortgage loan officer that his manager will be looking at the loan with the manager of underwriting to see what they can do anI will receive some communication on Monday, XX/XX/XXXX, however, I believe this is highly unlikely as I have tried to reach out to the manager directly and left messages to receive a call back and I also noticed today when I logged in to check the single mortgage application that it is listed as " closed ''. All I can say is that this whole process has been nauseating and that Huntington Bank needs to do better.

Company response to consumer: Closed with explanation