BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/, I opened a new gold american express credit card cause I saw offer of XXXX bonus points if I spend {$4000.00} in first 3 months. I got approved but they said I won't get bonus points, I was so confused. When I received the card, I called A/X to verify if I will receive the bonus points as they advertised on XXXX or not. The lady ( A/X representative ) firmly confirmed that I surely will get the bonus points. When I completed spending {$4000.00} I called them to get the bonus points, they said I won't get it, they also said will check the recording if the rep confirmed that or not. Couple weeks later, I called in & checked about my bonus points again. They confirmed the lady offered me XXXX bonus points on the phone by checking the recording, they said it as a mistake & I won't get any bonus points. They mislead information when offer me bonus points, I should had cancel the card at the beginning if they told me I won't get any bonus points, I have been charged {$250.00} membership fee for nothing due to their mislead information. 
conclusion : I need XXXX bonus points deposit to my account asap as they promised when I opened the new card which was offered & confirmed by their representative when I called in, it was recorded in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 credit bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-07-28
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was called back in XXXX and offered a stream lined refinance. for a few weeks i was regularly contacted and provided all information that was requested from me. Then out of the blue the refinance was closed with out notification to me. I called and was told there was a missing letter of subordination due to my down payment assistance program. The refinance was reopened and again I provided all information requested from me, including paper work from a 7 year old bankruptcy that I had to pay for for this that wasn't even needed when I purchased my home. a few weeks passed and again no contact. When I called. I was once again told that it had been closed without notification to me. After this I filed a complaint with the CFPB. I was contacted that day and the refinance was reopened again I provided the information requested and this time was informed they needed a letter from me requesting the letter of subordination which was provided that same day. A week later I received a call stating i was going to have to pay a rate lock fee because I had not provided the the letter to which I produced the email where the letter was sent to whom it was sent and a confirmation that it was received. I also refused to pay the rate lock fee because none of the dragging out of this process was on my end. Three days later I received a phone call just to tell me everything was moving forward and they were working on a subordination agreement. Two weeks passed I received no contact so i called to see what was going on and after being shuffled thru 4 different people i was finally told it had been closed again. Then i was told that there was a lien on my home that i needed to pay or they would not refinance. At the beginning back in XXXX i notified them of my down payment assistance program was told it was not an issue. When i accepted the down payment assistance I was told I could refinance without an issue. when I contacted the down payment assistance program today to find out their side of the story regarding the letter of subordination it turns out freedom never when thru the proper channels to receive it. I am tired of fighting with the mortgage company to obtain what they called and told me what they were going to give me for being a new customer.

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 2021-05-25
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED IN THE ATTACHMENTS ARE FRAUDULENT

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 2020-02-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I got into an accident in XX/XX/XXXX. My car was declared a total loss in XX/XX/XXXX. This being my first car off the lot and first total loss incident I've encountered I wasn't sure what to do with the payments towards my account. 
I called the lender my car was financed from ( Citizens Bank ) and a representative specifically told me that I do not need to make payments towards my car loan because they understood it's a total loss and the GAP insurance will take care of it. 
XX/XX/XXXX came and noticed a derogatory mark/missing payment on my credit report. I've never had a missed payment since I've started building my credit. It came from Citizens Bank ; a missed payment during the time my car was declared a total loss. I called Citizens bank explained the situation, filed a dispute, and my dispute was denied. This isn't fair to me because I was told specifically by Citizens Bank representative that I didn't have to make payments towards my car loan and its because of them Ihave a derogatory mark on my clean credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I reached out to CITIZENS BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to her supervisor, her supervisor then informed me by via email that this matter was being forwarded to their legal department for review. I have not heard back from the mortgage loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
According to the Fair Credit reporting act 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 2 ( a ) ( 1 ) ( f ) of the FCRA you are required to promptly report the credit obligation/account as current if the furnisher makes an accommodation defined as an agreement to defer 1 or more payments, or forebear any delinquent amounts.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in 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 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited 35 days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.

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 2021-05-07
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX I was forced to drop out of college and return home to work full time and support my family between medical issues with my grandparents and emotional turmoil because of financial stress with my parents. XX/XX/XXXX my EdFinancial Services loans kicked in and I began making payments every month. I submitted electronically a request for Auto-Pay however I was never billed in XX/XX/XXXX and " missed the payment '' so then I spoke with someone on the phone to enroll me in Auto-Pay for XXXX. Again, I was never billed in XX/XX/XXXX and " missed the payment '' again, even though I make sure to never miss payments XXXX or at least pay the minimum ). I have since not missed any other payments and have fully paid off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Went in person to pay and get up to date and they denied me Spoke to reprenstatives on 3 different occasions and they told me they cant help me They havent updated my credit report since XX/XX/2022 and soon as i filed a dispute they finally updated todayXXXX During their last update it showed it was open on my credit report Now im in collections because they didnt want to work with me or accept my payments when i went in person to bank branch Credit report said my interest rate was XXXX but my contract says 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 2022-04-30
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had previously disputed this XXXX XXXX I never received a bill. After the dispute I called XXXX and told them at the time I had these services I didnt have health insurance. It was for the emergency room. I was in the waiting period for health insurance. I dont remember who I talked to. I explained my situation and told her I was now on Social Security XXXX and I had no way of paying this because I barely have enough money after my home, utilities and medication was paid for. I have applied for financial assistance through XXXX because of my financial situation. This account is 5 years old and I was under the impression they were going to take it off my report. I sorry if I wasnt supposed to file a complaint because I wasnt able to file another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: CA
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:
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. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed the complain on XX/XX/XXXX, case number of XXXX. The bank still refused to close my accounts and I reject its explanation completely. This is not trustworthy bank and no wonder why it's ranked 1 out 5 on XXXX  with over 400 complaints in the last 12 months. 

The bank doesn't have a valid system to communicate with its customers effectively, its so called " specialists '' who are a untrained group of people, every call took hours and no problem can be solved. Its called back phone ID method is totally broken, it works one day and not functional on another day. How can the bank all depends on a phone call? Why the bank just sends a check in my name to close my accounts like other banks do? In the matter of fact that the bank did refund a portion of my money to my linked account with the XXXX  XXXX XXXX from one of the three account on XX/XX/XXXX and refused to do the same with the rest of my money. 

The bank has no right to hold my money and I demand the bank to release all my funds back to the linked account with the XXXX  XXXX XXXX where all deposits were made from or simply send me back a check in the amounts. 

This bank has no protection to its customers, the only thing they are capable to do is to block its customers ' access and hold other people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate 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