BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In reference to CFPB XXXX XXXX : XXXX : American Express XXXX XXXX the transaction happened on XX/XX/XXXX, but this is false and proves that they are avoiding to credit my account. I have attached both the XXXX receipt and the email directly from American Express that gets sent to me once a purchase has been made. In both attachments, it clearly shows that the credit card was charged on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Neither has any mention of XX/XX/2022 that American Express claims. I am really disappointed in that American Express admits in their response that the chat from XX/XX/XXXX they provided incorrect information and still will not honor what they trained their customer service representative to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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:
Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to XXXX XXXX XXXX store to get a bed for my new place in XXXX. The store rep told me the bed I chose was on sale for {$1100.00} which was a great deal. Upon me signing everything to take advantage of the 90days same as cash a bunch of extra fees were thrown in before me even getting the bed delivered to my home which now totaled {$1400.00}. The store rep told me dont worry about anything else and that it will show a balance of {$3300.00} but i only pay {$1400.00} which was still more than i originally agreed to. I was charged a delivery fee when the store told me it would be waived. Upon me calling XXXX to ask why my bed shows a balance of {$3300.00} they advised me that i was no longer enrolled in the 90 days same as cash and told me i would have to pay {$300.00} to be re-enrolled with the promotion. I was lied to and taken advantage of. This same bed is {$1200.00} dollars on XXXX and i would never agree to over paying by an extra almost {$3000.00} dollars for a bed! The company knows they are wrong which is why they are offering to settle with me for {$1600.00}. The balance needs to be DECREASED on my credit file to {$1100.00} the original amount. You all increased the balance and that is INCORRECT! This is affecting my livelihood and ability to get approved for things in my life.

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 2023-03-31
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, {$460.00} was fraudulently transferred out of my checking account by Venmo. The unauthorized transfer was to a vendor I hadn't used in over a year. After reporting the incident to Venmo, they froze my account, which prevented the vendor from sending the funds back to me. Although Venmo recovered the funds from the vendor, they have kept my account in a suspended/frozen status, and they will not permit me to transfer the funds back to my checking account. I've contacted them several times by e-mail and phone. They are insisting I send a photo of a Govt ID and a " selfie ''. I have told them I will not provide them with additional personally identifying information as their platform is obviously not secure. This type of information can facilitate additional fraudulent activity. I want them to unfreeze my account so that I can transfer my funds back to my checking account and permanently close this Venmo account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I'm writing in regard to uncredited interest on my savings account for multiple months now. My apologies in advance for spelling as I am on my cell phone. I am writing because USBANK advertised a new money market account savings special for large dollars at high interest rates post XXXX market stress and has not paid interest per the terms on the savings disclosure account ( Reg DD violation ). While the interest is even calculated and stated as earned on my statements, it hasn't been paid for many months despite monthly payments on the disclosure. I worry this is a systemic problem with the bank systems that the bank will not acknowledge and may lead to material income statement error. Furthermore. I called multiple times to customer service to escalate my interest issue and even cite a complaint. I was first told to visit my local branch, hundreds of miles away and then was hung up on after asking to formally file a complaint twice on XX/XX/XXXX, XX/XX/2023 and again on XX/XX/XXXX. Please review why interest isn't being paid by their systems and why their complaint management system appears to not be working as I was never contacted.

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 2023-05-18
Company: EQUIFAX, 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:
I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complaint again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at the point of giving up. XXXX keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.

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 2023-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts 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 XXXXXXXX. These accounts is canceled debt the companies has filed them on there taxes. They are also reporting on my credit as debt which doesn't make sense at all. If a charge off consider ordinary income how could it be furnished on my credit as debt. Now the IRS mentioned that these companies suppose to send me a 1099 form so I could file ordinary income. This is a violation 15 USC 1681eb. It speaks on maximum consumer report they have to be deleted. Thank you and have a very blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter was sent from this company I've never heard of claimed I owed money. I responded with a letter requesting paperwork that bears my signature. The company sent back old statements from a credit card. They've ignored my request and are in violation of the FDCPA. 
Furthermore, they have misrepresented themselves sending letters under various LLC 's and different companies. I have no contract or financial obligation with any of these companies.

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 2023-06-27
Company: TRUIST FINANCIAL CORPORATION
State: SD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This isn't a complaint about a bank, I received an e-mail that said it was from Truist Bank saying my account was going to be locked unless I logged and verified through the provided link. I didn't clink the link because I knew it was a scam, I don't have a Truist account nor have I every had one. I honestly didn't even know it was a bank until I looked into it. The address that sent me the e-mail was XXXX I'm not sure what can be done, but I figured I would bring it to attention.

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 2023-06-27
Company: LJ Ross Associates
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LJ Ross Associates Inc is a debt collector that is perpetually violating my consumer rights. LJ Ross has illegally and fraudulently parked a debt on my XXXX and XXXX consumer files. I first contacted LJ Ross on XX/XX/23, by sending a Notice for Validation of Debt request pursuant to 12 CFR {$1000.00}, as well as a cease and desist. Not only have they continued to collect a debt during the validation period, but they have even reported the account to an additional credit reporting agency, XXXX on XX/XX/23. I have only received one correspondence from LJ Ross and they have not sent me the required documents and disclosures under the law, nor have they provided me with the Model form B-1. The 30-day validation period has ended and LJ Ross Associates continues to illegally and fraudulently report this account on my consumer file and violate my consumer rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
back in XX/XX/XXXX me and my wife sold a rental property and closed at alliance tittle company no problem 2 months later chase calls me and wants to know why we havent made our loan payments i thought that was strange went home my wife checked her bill pay accounts and payments were rejected she called chase bank thats when it all started the wrong loan was payed off, another one of our rentals. not sure who all to blame but the tittle company said it was our fault! they prepared the documents, we had to send money to chase to reopen the loan, back payments our credit score was XXXX plus now we are in the XXXX XXXX range chase filed a remittance of deed XX/XX/XXXX i have received a notice of forcloser from chase they sent us a statement of how much money they owe us and that the tittle company is to pay interest that was a month ago we have tried to call chase but are always disconnected. to say frustrated, mad our credit is ruined we just dont seem any closer to having this over than we did a month ago not wanting to hire a attorney but may have to just thought i would give this a try can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts.

Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2021-12-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for and were granted a mortgage modification from Rushmore Loan Management on XX/XX/2019. Our backs were against the wall because Rushmore was trying to foreclose on our home and we had to accept their terms. 

Our interest rate went from 2 % to 5 %, our loan term was extended, and payment was raised. A modification is supposed to be done in good faith to assist the borrower to be able to afford their mortgage and to stay in their home. We did not benefit in any way from this modification, other than to remain in our home and we feel Rushmore took advantage of us and we consider this predatory lending. 

We also believe they added thousands of dollars in fees and penalties to our mortgage that were not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
Experian refuses to remove the following accounts that do not belong to me. I did not open these accounts they were opened without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX is not my account and was opened without my knowledge or consent. 
XXXX XXXX, reporting late payments and the account is not mine it was opened without my consent. XXXX XXXX XXXX XXXX is not my account and i didn't open the card. XXXX XXXX XXXX is not my loan My identity has been stolen also showing late payments up to 120 days. They have 15 inquires that i have been disputing since i saw them on my report and they refuse to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are just examples but i have told them multiple time my identity was stolen. The also have a name on my report saying also known as XXXX XXXX. I am a girl this is ridiculous. They are reporting late payments as well which is illegal for multiple accounts. I have attempted to get them to update the information they are reporting but its to no avail. Please help my Identity was stolen and this bureau has not attempted to help me at all. 
XXXX XXXX CREDIT BUREAU IS REPORTING SOME OF THE SAME FRAUDLANT ACCOUNTS THAT I DID NOT OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they even have a collection for a XXXX XXXX XXXX XXXX XXXX  They are also reporting 13 inquires that are not mine. ALL 13 inquires are not mine. 
XXXX CREDIT BUREAU Is report even old addresses, XXXX XXXX XXXX XXXX XXXX XXXX is not my address and never has been XXXX XXXX XXXX XXXX, They also have late payments from student loans which is illegal, XXXX XXXXXXXX XXXX XXXX WHICH IS NOT MINEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND they have 12 inquires in my report that are not mine as well. They have collections as well. 
Please have all the Credit bureaus to delete these accounts that were opened fraudulently and the address/names and inquires that are not mine as well. 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. 
This false information needs to be removed immediately or they will each pay per day they have the false information on my credit reprot. I will also be suing for defamation of character. XXXX XXXX, XXXX and Exerioan Have now been given notice to remove the information on XX/XX/2023. The information must me removed before 30 days.

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 2023-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law.

You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE ACCOUNT. Please update the account, or inaccurate information, from my file immediately & send me the results to the address listed... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Report Act XXXX, Account:XXXX Creditor : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I don't owe this company, if this company failed to provide accurate information about my identity, legal action will be taken to solve this matter because this is illegal according to the Fair Credit Act.

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