BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: DISCOVER BANK
State: CA
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:
On XX/XX/XXXX, I contacted Discover Card 's dispute department asking that they reverse 3 payments I made to XXXX XXXX in XXXX and XXXX of XXXX explaining that the company strung me along for over a year never providing the service I paid for, which was helping me amend XXXX tax filings to lower my debt. Multiple " case managers '' had come and gone and I couldn't get any help at XXXX with a refund. 

Discover instantly reversed the amounts that day ( {$1700.00}, {$1700.00}, and {$590.00} ) on XX/XX/XXXX and said they'd open an investigation. Then in early XXXX Discover reversed the amounts back! When I called to ask why they said that XXXX never responded to them ( as expected ) and I hadnt provided documention. 
I have since provided Discover a summary of what XXXX put me though, along documentation of emails showing how nothing was ever accomplished only to have them tell me the charges are valid. I've also called multiple times and spoken to half a dozen people in their dispute department who agree that I was swindled and express sympathy only to recieve form letters and emails from Discover refusing to reverse the charges, saying they decided they are valid. I truly don't understand. I am Discover 's customer but they don't want to help me. It's a lot of money and XXXX absolutely did not provide the service promised. I ended up tapping my XXXX to settle my debt. I feel cheated by both companies. It's extremely disheartening and has cost me a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
RE old deleted XXXX XXXX  re-inserted -illegally NEEDS TO BE DELETED refer to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) TRANSUNION DELETED AN ACCOUNT AND REINSERTED WITHOUT EVER NOTIFYING ME.

Statement of Facts there is a law that does state that if AN ITEM IS DELETED from a credit file and is RE-Instated for ANY reason.. the Credit bureau must notify ME within 5 business days after the date of re-insertion. This is a law or code of the FCRA the exact law pertaining to this issue is 15 U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) AND I quote ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well past 5 days and I received no notification of a re-insertion. Is this law not valid?

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 2021-02-21
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: Information belongs to someone else

Complaint:
I have submitted disputes to the 3 bureaus ( Equifax, XXXX and XXXX ) on XX/XX/2021. 

I have received no updates regarding the inaccuracies on my credit report from Equifax, XXXX and no updated information from XXXX in regards to my personal information being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Shellpoint Partners, LLC
State: LA
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 am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The Role of Consumer Complaints in Identifying Unfair, Deceptive, or Abusive Acts or Practices Consumer complaints play a key role in the detection of unfair, deceptive, or abusive practices. 

I wish to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against American Express for predatory lending and abusive practices. Today, I received an email from American Express stating that my credit limit may be reduced due to my payment history and credit scores, despite being a responsible borrower with a XXXXXXXX XXXX  score, 34 % credit usage, and no missed or late payments. 

I currently have two American Express credit cards and a personal loan. My credit card balance is {$24000.00}, with a credit limit of {$40000.00}. All my other credit cards have XXXX balances. 

Any reduction in my credit limit would increase my credit usage, potentially harming my credit score and leading to higher future financing rates. This situation is unjust, and I believe it constitutes predatory behavior. 

On XX/XX/XXXX  I contacted AMEX to discuss this matter and I was told that I needed to wait three days while the audit is being conducted. In the interim I could make the payment of {$6000.00} to maintain my existing limit. I copied the verbiage from the actual email for review. 

As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history, including payments made in relation to your current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible limit reduction. 

Make a payment towards your balance to maintain your current limit we wont take the action stated above if you make a payment of {$6000.00} by XX/XX/. 


I request the CFPB 's investigation into this matter to ensure fair and responsible lending practices by American Express. Your attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-10-01
Company: BARCLAYS BANK DELAWARE
State: MD
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: Problem with personal statement of dispute

Complaint:
I opened a Barclays credit card and received miles for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX bank ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so there was no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto the Barclays website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with a much lower credit score due to this discrepancy. I kindly requested again that Barclays remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I did not receive notice emails from Barclays about an outstanding balance in XXXX, XXXX, and XXXX or any mail correspondence of a deliquent balance. Furthermore I was not worried about any potential balance because I thought I was enrolled in autopay. Additionally XXXX were very stressful times because of the COVID-19 pandemic and work related challenges. Barclays is unwilling to remedy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled for auto-pay.

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 2018-11-16
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
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:
XXXX  has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX XXXX  and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-03-16
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has intentionally deflated my FICO score because I closed my monthly premium service the other 2 major agencies have my score in the780s XXXX and transunion but Experian has my core at XXXX Experian has 3 hard inquiry 's 2 are inquiry 's pertain to the same mortgage origination from XXXX for the same mortgage ; the other is unauthorized from XXXX to buy said mortgage from XXXX I should have1 hard inquiry have3

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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 information incorrect

Complaint:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2018-11-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I'm still having problems with incorrect or missing information in my Experian Credit report. On XX/XX/2018 a seven year fraud alert was placed on in my credit report, and I have never requested a seven year alert to be placed on my credit report. I have a lock already on my credit report. 
Also my home address was deleted, and I did not make a request to delete my current home address My name is a XXXX XXXX   and that was removed without my consent as well. My identity has already been compromised due to lack of verification by the crediting reporting agency 's. Also fraudulently bank mortgage are still in my credit report as well. With no information by the bank confirming that it is really my account being that my name is so common and my information is either inaccurate or missing altogether still.

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 2022-08-18
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
15 U.S.Code {$1600.00} ( 0 ) - right to rescind after 3 years Rescind paper work was never furnished 15 U.S.Code {$1600.00} ( b ) - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Service or carrying charge. Loan fee, finder 's fee, or similar charge.

15 U.S. Code $ 166z ( b ) - mixing cash with consumer credit transaction I was mislead into this deal and car was taken under law I am entitled to entitled to two times the amount of the finance charge which was {$27000.00}, {$1000.00} for all additional violations, and or they can receive up to 1 year in federal prison for false and misleading information and illegally repossessing the vehicle. I want this debt completely removed from credit report and to be compensated for illegally and wrongfully leading me into this contract and unlawfully repossessing vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CORELOGIC INC
State: NY
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:
On XX/XX/2019 hard inquiries were made without my authorization by CREDCO, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.

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 2023-08-08
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified TransUnion through the CFPB portal of an account ( XXXX XXXX XXXX that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( XXXX XXXX ). TransUnion failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. TransUnion failed to Investigate both times according to federal law ( FCRA ), TransUnion haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. TransUnion and XXXX XXXX are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from TransUnion stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( XXXX XXXX ) that TransUnion furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. TransUnion WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. Respectfully, REP # 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