BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Issue with getting a Delta XXXX, American Express credit card. Same issue and answers over a year ago with American Express XXXX card. 
XX/XX/2023, over the telephone ( number supplied by Delta ) I call AmEx to apply for the Delta SkyMiles Reserve Card. First person I talked to check some AmEx system and after a few seconds I was told " declined ''. Reason for decline = because of my previous canceled cards, which were all related to companies which I worked for and then canceled upon my leaving the company = standard business policy. After talking to three people, I was told it was because of my bankruptcy filing approx. 12 years ago. 
Due to the age of the bankruptcy, it no longer is posted on any of the credit bureaus. 
I have an XXXX rating ( +/- XXXX pts. ) by all credit bureaus and have any annual income of approx. XXXX USD. 
My wife was approved and received a Delta AmEx card after filing bankruptcy which was still listed by the credit bureaus and making approx. 25 % of my annual income. 
So why is AmEx declining me? Since my wife got an AmEx card, it much be because I am a male... .... 
If I do not get the requested AmEx card, I may look for an attorney which wants to make a " name for themself '' with a suitsuit against AmEx. 
Please contact me if you have any questions. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, cell : XXXX, email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: NBT BANCORP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a communication from the XXXX XXXX XXXX XXXX XXXX XXXX dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than 75 miles away from my place of residence. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IN
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:
Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment pm am account under an open and consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : 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 non-monetary relief
Consumer complaint received 2017-05-05
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Re :  Account #  XXXX  To Whom I t May Concer n : This letter is regarding account # which you claim my account was charged off {$870.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. P lease note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the F air Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes  of 15 USC 1692 et seq., th is Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of   status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had disputed the  XXXX   XXXX  account that is being reported on my Equifax credit file in  XXXX    XXXX  . The week of  XXXX   XXXX ,   XXXX   I received my investigation results from Equifax dated  XXXX   XXXX ,   XXXX  . Enclosed in these results was the deletion of the  XXXX   XXXX   XXXX  account. When I called Equifax today  XXXX   XXXX ,   XXXX   to discuss my credit report, the representative told me that  XXXX   XXXX   XXXX  was still reporting on my credit file. I asked the representative how does Equifax verify disputes and she stated, " the creditor tells us your name, date of birth and social security number, that is all ''. She also stated Equifax uses an electronic system to verify as well. I reminded her that is not the correct way to investigate disputes according to the FCRA. With this being said, Equifax is still reporting incorrect information on my credit file even though I have proof from them that this account has been deleted. Equifax needs to remove  XXXX   XXXX   XXXX  from my report. Equifax will probably try to say that the uploaded documents isnt enough for them to do their job but these uploaded results are more than enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas Transunion, XXXX and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.

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 2017-05-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received a total of  XXXX  calls from an " unknown '' since Thursday,  XXXX / XXXX / XXXX . Last being at  XXXX  pm on  XX/XX/17    where I asked and was finally informed of the caller being from Synchrony Bank. I asked if they had called the prior  XXXX  times and was told yes by the caller. I was also told that I was  XXXX   ( 1 )  month late in my credit card payment. I told the caller that any/all future communication should be only be through the mail. I found the calls harassing as when I answered, the caller would just hang up and not leave a message. This practice of debt collection is outragious and a form of harassment.

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 2021-06-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is a servicer of mortgage, I called to try to come out of covi-19 forbearance plan. I have called several times and was told I had been submitted for a work out plan, and Three people told me not to make payments. They call me daily using a robo caller. I answer and no one is there. I call back and I am placed on hold for two hours, I am told that mortgage submitted for workout by three people, one says it wasnt. In the mean time they reported the loan to credit bureaus. I am placed on hold for over 1 hour and 40 minutes to speak to someone. I have been hung up on, I have been trying since XX/XX/XXXX to come out of forbearance plan.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: NV
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 XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 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 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 2022-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
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: Investigation took more than 30 days

Complaint:
To whom this may concern, I am writing today to inform you of unfair and and negative impacts/ actions USAA has caused on my credit report. I was informed by several agents within USAA on multiple calls I was a client affected by a systematic error that cause thousand of their customs to receive a false 30 day late on the credit. I was also advised USAA is aware of the error and the were working to resolve my complaint. After several conversations with USAA representative advising the corrections were being addressed. I later was contacted by Executive Office who advised I was 2 dollar short on the auto loan. I believe USAA is using this as a way to attempt to escape responsibility for the financial impact they have caused on thousand of customers including myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-03-16
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX CBNA/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX These companies have ran my credit forcefully without my consent and it is bringing me down I was going through a divorce and ask them not to run only to find out that they did anyway against my wishes

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 2017-12-19
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
It 's now been more than six months since we asked XXXX to close the account and refund the annual fee plus the credit amount due on the account. We have filed a complaint with CFPB about the annual fee, specifically how hard they made it to close the account. Not only did they not refund the annual fee, they have been kiting the credit amount due. every month we get a statement showing a credit balance, but never a check to pay it back. 

We are considering small claims court for recovering the annual fee, maybe we will include the credit balance in the same suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22
Company: TD BANK US HOLDING COMPANY
State: OR
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:
Called into cfpb, this is not a duplicate, the other complaint was deleted, please proceed with this complaint. 

I placed an order for a new phone directly from XXXX on XX/XX/XXXX for the XXXX XXXX. On their website, it showed a trade in credit for {$200.00} for my XXXX  XXXX. I went ahead and placed my order and did financing through XXXX, which goes through TD Bank. The total cost of the XXXX minus trade in credit should have been {$520.00} ( {$720.00} MSRP ). Upon getting my email confirmation for the order, the trade-in credit only showed {$50.00}. At this point I called XXXX XX/XX/XXXX and talked with XXXX, he said that it was no issue, he would start an incident and that it should get fixed. XXXX told me to call back once I got the phone. On XX/XX/XXXX, I called XXXX and talked to XXXX who assured me that fix would get approved in the next 3-5 days from a supervisor. Called back on XX/XX/XXXX to ensure that this got approved before sending in my trade-in device and not being able to return the phone. They assured me that it would get approved and instructed me to send in the device. After watching my statements, no adjustments had been made. I called back on XX/XX/XXXX and they instructed me that they approved my claim on XX/XX/XXXX but it might take a month or two to show up. After checking my statement month after month, still no credit. Called on XX/XX/XXXX, they decided to deny my claim on XX/XX/XXXX, the representative told me to send in evidence again and it should get overturned. I complied and sent in again. At this point, I still have no received my credit and I tried to work through TD Bank to get this resolved. They have done no investigation beyond confirming the order and that the claim was denied. How can companies tell you that you will get a {$200.00} trade-in credit and confirm that it will get approved and then not do what you say you are going to do? I am now out my XXXX and a credit that was not as advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB : I'm sorry there seems to be some confusion. CFPB Compliant XXXX is still open. I did not agree to close any or my complaints against your firm.

I have ongoing banking and FINRA complaints against Schwab and requested a hearing for almost one year now with NO Court Date. I have provided my counsel 's phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have never actually called and NOW the time is for court. 

I have received your letter dated XX/XX/2023 from XXXX XXXX XXXX of Schwab bank denying a series of my letters and facts. XXXX XXXX 's exact response in the letter " our records do not substantiate your various allegations '' is contrary to his Schwab letters and transaction journal entry/facts. In your firm 's 1 year-long campaign to bury the facts and create additional " smoke and mirrors, '' Schwab has failed to answer any direct questions- just general denials. One did confirm they closed my account while on holiday in XXXX. The lawful Reasonable man standard test failed. Your recent letters are a BIG contradiction to facts. 

XXXX XXXX if your firm has not committed any wrongdoing - then why do you keep dodging the arbitration/court? I have NOT agreed to close the complaint but, somehow you keep getting CFPB to close it. I think we deserve our day in court. I have included have the constitutional right to be heard. 

Again, XXXX XXXX - XXXX - of Bank Deposit Operations let 's discuss the facts with a fair CFPB XXXX or XXXX is fine. If in the process a major banking violation is uncovered it will not be my

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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