BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
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:
For opaque reasons that are as unfair, American Express is consistently refusing to honor their advertised promotion to me when applying for their card ( see attached pop up image when attempting to obtain a publicly advertised offer ). 

After having been initially told that I am ineligible for any offers due to me electing to take advantage of their COVID relief program in late XXXX of 2021 and would need to wait a full year to reapply for a credit card with their company. Although the year has elapsed they continuer to not honor their publicly advertised promotion to myself- both when applying on the personal and business level. 

My credit score is above average and I feel that American Express is not honoring their commitment to the public by singling out applicants arbitrarily based on opaque reasoning that is equally unjust to the applicant. In this case, I am being treated unfairly and it is causing me to question their ethical practices in provided equal credit services to all Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've been trying to resolve a property tax abatement issue with Hyundai Motor Finance ( " XXXX XXXX '' ) for over XXXX months ( since XX/XX/XXXX ). XXXX XXXX claims that I still owe property taxes on a previously leased car/account which is incorrect. I've spoken with multiple XXXX XXXX customer service representatives as well as emailed them numerous times and the issue is still not fixed. XXXX XXXX representatives have repeatedly told me that there is nothing for me to do on my end and that I've provided all the documentation/information they need ; however, the problem never gets taken care of. Hence, I'm reaching out to CFPB for assistance in resolving this issue. When I originally spoke with a XXXX XXXX representative in XX/XX/XXXX, I was informed that it would take approximately XXXX days to fix the property tax abatement issue. It now has been over XXXX months. 

Additional details regarding dates of contact with XXXX XXXX are below : I first provided the requested documentation to XXXX XXXX on XX/XX/XXXX. Since then, I've spoken with HM Finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've also emailed XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, none of these phone calls or emails have led to my property tax abatement issue being resolved. 

Additional information regarding my property tax abatement issue with XXXX XXXX is below/attached : I have tried to resolve a XXXX property tax abatement issue with HM Finance for XXXX XXXX months. Specifically, XXXX XXXX incorrectly lists that I still owe {$280.00} for property taxes on a previously leased vehicle. However, I returned the leased vehicle to XXXX on XX/XX/XXXX ( see attached Vehicle Return Receipt ). Please also see the attached document from the XXXX of XXXX regarding XXXX XXXX of Corrected Fees. The total tax amount paid for XXXX was {$340.00} and the overpayment for XXXX was {$280.00}. As a result, the correct property tax amount that I owed for XXXX was {$57.00} ( {$340.00} - {$280.00} = {$57.00} ), not the {$280.00} that is currently listed. 

I've paid the {$57.00} which was the correct property tax amount that I owed for XXXX. However, my account still incorrectly shows that I still owe {$280.00}. Based on my conversation with a XXXX XXXX representative, I was informed that management was going to remove the {$280.00} amount from my account balance because it was listed in error. I was also told by the XXXX XXXX representative that my account was paid in full and that I did not owe any additional monies. However, this is not reflected when I view my account. My XXXX XXXX account still incorrectly shows that I owe {$280.00}. 

Bottom Line -- I want the {$280.00} removed from my HM Finance account and I want my account to reflect that I owe XXXX monies.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a problem with XXXX XXXX XXXXears back I was paying for a XXXX XXXX and a cell phone I paid the watch off. But I had started to have problems with the phone XXXX was paying XXXX $ and something a month and always paid on time. But my phone was doing weird things like downloading people 's emails into my contacts of people. And had my credit card hacked the phone would shut down and reboot. Itself all the time I couldn't hear on it and it would ring and ring but couldn't answer it so I couldn't even use the phone anymore. So, called to get a replacement. I had insurance. I paid monthly. for insurance i was told that I only had to pay {$5.00} for replacement when I brought the phone in, they said it was going to be.XXXX XXXX   i said no its {$5.00} for a replacement and she said because of a tiny little chip that you could barely see it .It was nothing I couldn't believe it.I told them to cancel my contract because I've been paying my bill every month and hadn't been able to use my phone for a little over a month. And I had still paid my bill that whole month I couldn't use the phone. And I wasn't going to pay {$50.00} for a replacement. I had paid way over {$50.00} in insurance So ; I went to another carrier. Cause I wasn't able to use that. Phone so they left my account open for over 4 months and let the bill get higher and higher till it was XXXX XXXX XXXXven though they were not receiving payments. Usually after 60 days of not paying a bill they will shut the service off but nope they left it build up for a little over four months and sent it to collection. this has been on my credit for a few years. But this is the second time they have resent it to collections saying it's a new collection as of XX/XX/2023 they have done this twice and it has impacted my credit. significantly twice i would appreciate it if they would stop putting it as a new collection once it was almost off my credit then they sent it to collection again saying its new as of this year. the collection agency is SOURSE RECOVERABLE MNGMA ACCOUNT # XXXX SAYING DATE OPENED XXXX WOULD LIKE THIS REMOVED THEY LET THE BILL CONTINUE TO GET HIGHER AND HIGHER AFTER I TOLD THEMI COULDNT USE THE PHONE AND ASKED THEM TO CANCEL MY CONTRACT I WOULD LIKE IT REMOVED PLEASE THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Avant Holding Company, Inc.
State: NV
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: DC
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 credit bureaus is in clear violation of code U.S Code $ 1681c-2 for not removing/ blocking the following fraudulent accounts reporting on my credit reports.

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 2023-01-19
Company: EQUIFAX, INC.
State: PA
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:
UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Global Lending Services LLC
State: NY
Product: Credit reporting 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In 2022, due to loss of employment due to the pandemic, I was over 30days late in XXXX with my payments for my XXXX XXXX Account I was 30 days late in XX/XX/2022. I have sent 4 letters to Management and The CEO. Also to the President of Financial Services asking for removal of the late payments from my credit reports ; The accounts have since been brought current. I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to my 3 credit bureau reports. Also The late payments are showing discrepancies on all 3 credit bureaus. By law,15 U.S.C. 1681 when there is inaccurate information on your credit report, the credit reporting agency is required to remove it. If the credit reporting agency fails to remove the incorrect information, then I can sue them for damages.

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 2023-09-06
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had canceled XXXX XXXX and send there equipment back and it was advised that I did not owed anything. I canceled XX/XX/2023 and sent equipment the following month. No communication of a balance so, it is unfair to place on credit report.

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 2023-09-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
it's abou the paypal master card issue by synchrony bank XXXX XXXX XXXX XXXX I made a payment of {$250.00} few weeks ago, and they told me that it was a new account, the payment couldn't be post right away, and I got a declined when I tried to pay for my food at a restaurant this evening. It's totally ridiculous

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 2022-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, 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 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 XXXX 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 2018-06-27
Company: Lendmart, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On more than XXXX occasion, I was called at work and on my cell phone by an Account Manager XXXX. An account manager left several messages for me through the office manager at my job. This has caused complete embarrassment and anxiety for me at work. More recently I've received numerous threatening emails. This ordeal has given me anxiety and stress. I communicated that I do want to work to clear my debt and that I'm currently under dire financial constraints. When I didn't reply as quickly as the Account Manager, XXXX XXXX expected, I was harassed.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting 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/XXXX I recieved a alert from XXXX. It read JP Morgan Chase account opening reported. On XX/XX/XXXX JP Morgan Chase reported a bank account opened with your SSN. 
Company JP Morgan Chase Inquiry date XX/XX/XXXX. 
phone XXXX The agent I spoke with on XX/XX/XXXX around XXXX told me he could not give me any information because I did not have a account with JP Morgan . I explained to him someone was fraudulently attempting to open up a account in my name per my XXXX  alerts. I then asked to speak with a manager, and he responded the same way. I asked could he transfer me to the department to help dispute it off my credit report, and he said yes but transferred me back to the automatic voice tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Personal information incorrect

Complaint:
The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau XXXX XXXX ) about my identity being compromised, and the information is still there.

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 2023-10-07
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit 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:
In XX/XX/XXXX, after filing XXXX  XXXX Bankruptcy in XX/XX/XXXX, I began my credit rebuild journey by opening a secured credit card with First National Bank of Omaha. At the time, they advertised that if you made your payments on time and managed the secured credit card accordingly, the card would graduate to an unsecured account after 11 months. 

XX/XX/XXXX will be three years that I have maintained good standing with this credit card account and it remains secured with my initial {$500.00} deposit from XXXX. I made several efforts in XXXX and XXXX to reach out to FNBO to inquire about the card being transitioned to unsecured and each time they stated that this is an automatic review process. 

Since I opened this card, I have paid off my bankruptcy early resulting in an early discharge. I've doubled my income and purchased two cars and a home. I have multiple unsecured credit lines with {$2000.00} to XXXX limits. I've paid off my FNBO card nearly every month, rarely carrying a balance to the next statement cycle. My account is on autopay to avoid late payments. Yet, I have this secured card with a very low limit hindering my credit profile. 

Unfortunately, because it is one of my oldest cards opened during my credit rebuild, closing the card will cause my score to go down. However, having the card sitting there is also not beneficial as we know when I open new credit accounts, higher limits beget other higher limits. It's a catch-22. 

I also find it concerning that FNBO has not requested my income during these automatic reviews. The income is an important piece of the review process and there is nowhere on the site that allows me to update it. How do you determine one 's full creditworthiness without the knowledge of their income? Whether or not they own their home? 

FNBO advertises that the card would graduate after 11 months ; however, that is the furthest from the truth. Additionally, they are now advertising that cardholders can qualify for additional credit limit increases after 7 months without having to send in an additional deposit. I am three years in with the same account and terms that I started with. In speaking to a customer service rep today, they are still claiming the card graduates in the 11-month timeframe. Had I known that was not the case, I wouldn't have wasted my time with FNBO and used one of the other many credit card companies that actually keep their promises and use a human to make decisions on the customers they supposedly value, not a machine.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : Liability Court US BANKRUPTCY COURT XXXXXXXX XXXX Date Filed XX/XX/2020 Reference Number : 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 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 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