BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: AMERICAN EXPRESS COMPANY
State: ME
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:
I signed up for an AmEx card under the Resy offer ( code POID K21X:8948 on the terms and conditions I printed at time of signup ) for XXXX points after the first {$6000.00} in purchases and 10x points on restaurants.

I spent {$6000.00} in the first month and expected the benefit to post. When I checked, only XXXX points had posted and I got the normal allocation for restaurants. 

At that point, I reached out to customer support and explained the mixup. The agent said they would get it straightened out.

Fast forward another month, and it still wasn't right so I reached out to follow up. That agent told me it had been reviewed and denied because I was given the " prevailing offer. '' I explained while that may be the current shelf rate that it wasn't what I had signed up for, and provided the documentation I had received. I asked how I would have known they applied the wrong offer before the statement and they said I would have seen it at signup. I explained I did have those confirmation screens and that they all showed the XXXX rate. The agent then put in another review ticket. This has since been denied again. 

I don't understand how a company as large as American Express can pull a bait and switch like this. The burden of proof shouldn't be on me as the consumer, and if it is, the documentation I've provided should be sufficient. 

I feel like this is false advertising and I would have paid them {$690.00} had I known they wouldn't honor their terms. I would have gone with the XXXX XXXX or XXXX XXXX instead, who had competitive offers at lower annual rates. This bait and switch unduly influenced me to pay more to AmEx and I think that's morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo bank never applyed the promised credit to my account before closing it and written off as a charge off. 
Charge me fees and never issue my money. I dont owe them any money and also reported to 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: Resurgent Capital Services L.P.
State: PA
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:
VNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail.. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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 information incorrect

Complaint:
On XX/XX/2023 I received a copy of my credit report from TransUnion, XXXX and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to TransUnion, XXXX and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. TransUnion received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from Transunion. I received a new copy of my credit report from TransUnion, XXXX and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX  Complaint ID is XXXX. XXXX Complaint ID is XXXX. Transunion Complaint ID is XXXX. XXXX Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. Transunion Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX Account Number : XXXX or XXXX, worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance 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
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: AL
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:
My loan with XXXX XXXX shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Hello : My name is XXXX XXXX XXXX. I currently reside at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My Birthdate is : XX/XX/1979. My Social is : XXXX. 
I have been recently made aware that my credit profile has been marked as me being deceased. 
This is 100 % inaccurate. 

XXXX, XXXX and Transunion have ruined my credit rating and standing by removing my score and listing me as non-scoreable. 
Due to this grave error by your systems, you have caused me irreparable damage to many of the active trade lines that I currently hold. I have well over XXXX XXXX dollars in active credit that you have caused the credit issuers to decrease or close my accounts. 
I have included a copy of my current XXXX XXXX XXXX cellular billing statement and a copy of my Driver License that shows I am an active customer, paying bills and very much still alive. 
This is a demand to remove the deceased marker off of my credit report at once and restore my XXXX credit score. 

Thank you, 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 2022-06-13
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had approximately {$7000.00} on gov. Benefit card and had purchases that I didnt make but more importantly there was 3 bank transfers totaling {$5800.00}. I immediately called bank when I found out trying to buy a XXXX present for my kid and was declined. I filled out their form for the {$5800.00} and was told we would get back to the other charges and it took them 90 days to get back with me and said I either benefited from or authorized the transfers and I requested what information they used to come to that determination. They sent me a copy of the monthly statement. I filed a report with the sheriff dept. here. The statement doesnt tell us what bank or account number the money went to. To reopen the case I sent them that I filed report with sheriff and also XXXX was hacked and they gave me XXXX program which says my info was for sale in dark web and leaked from XXXX. So I wait another 90 days and called in and was told that I was denied my money again. I again asked for what information they used to make their decision and was told I would get with in 10 days. I wait a little over two weeks and call back and my phone was blocked from calling them. I had friend call and his phone go right through and when I try it just hangs up. 
To recoup I had over {$5800.00} stolen out of my account and they wont tell me where it went or even talk to me and I swear I never got ugly with anyone. Any help would be greatly appreciated I gave the sheriff the monthly statement

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 monetary relief
Consumer complaint received 2018-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX My Social Security income was suddenly decreased. I called Bank of America for # XXXX. They said my problem was to maintain shelter and food. The card was closed on XX/XX/XXXX. It has been 7 years, but they decided to put it on my credit report again, knowing I am XXXX XXXX XXXX  XXXX. That is a continual hardship for which I have no solution. Bank of America has gone to court with the government and received a mere " slap on the wrist '' for the way they have treated customers. This account was charged off, is over 7 years old, and should not be listed on my current credit report for XX/XX/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 explanation
Consumer complaint received 2023-08-25
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
USA bank mortgage told me I was on auto pay and I was all set for the month after the representative on a recorded line never told me it would take a billing cycle to be set on auto pay the representative actual told me I would be all set for next month then I get a flag on my credit report for a missed payment and I never had a miss payment before that show my credibility please help me remove this from my 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Account No. XXXX is reporting INCORRECTLY as a joint account. Transunion failed to investigate and delete the tradeline.

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 2023-05-03
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
i have never owned a XXXX XXXX credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a XXXX  XXXX credit card account is being reported by XXXX  XXXX, lexis nexis, XXXX and XXXX. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called XXXX  XXXX numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: SYNCHRONY FINANCIAL
State: SD
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:
On XX/XX/2022 I was contacted by Synchrony Bank about suspicious charges on my Lowes Credit Card. Approximately, {$14000.00} was fraudulently charged. I verified with Synchrony that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with Synchrony that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call Synchrony 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called Synchrony because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my Lowes account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.

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 monetary relief
Consumer complaint received 2023-05-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX  XXXX Balance : {$80.00}

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 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, Bank of America ( BOA ), approved our forbearance that lasted till XX/XX/XXXX, under COVID-19 Hardship. On XX/XX/XXXX, we received a letter of Delinquency notice from BOA reminding us that our mortgage payments are late, if we do not bring the account to current, it may result in fees and foreclosure ( loss of our home ). The delinquency letter lasted till XX/XX/XXXX, ( 6 of them ). On XX/XX/XXXX, we resume payments on our mortgage loans. 
since then, BOA has reported negative report to credit bureaus which affected us negatively as we attempted to refinance our home with negative results due to 7 payments missed during the disguise of forbearance forbearance. I have reached out to BOA on numerous times over a 5-week span requesting equal treatment and fairness under the terms and conditions agreed upon under FORBEARANCE and not under DELINQUENCY that harm with negative results. Now BOA has opened up enquiries to assist us with the credit bureau in an effort to right wrong. That's 30 % of our dilemma. BOA assigned us case manager I learn for the first time today his first name as XXXX, and BOA provided us with number of XXXX XXXX each call has proven futile as no-one has being able to explain the difference between FORBEARANCE and DELINQUENCY NOTICE to us. Each time, there is a round and round the lasted for over 5 ours that they started hanging up on me.

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 2021-12-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I suffered hardship during XXXX and applied for hardship with Wells Fargo. In XX/XX/2021 we came out of forbearance and applied for a hardship modification. My XXXX died and that caused a loss of income that assisted in paying the mortgage note. Wells Fargo will not give me definitive terms on what is being offered. I qualified for XXXX assistance terms under the most recent XXXX XXXX XXXX. At this point XXXX is telling me I either need to accept or decline that offer. i have no documentation on what the offer is. How can a consumer make a informed financial decision if they do not know the terms they are rejecting or accepting. XXXX is being difficult to work with and will not provide documentation of our options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: IL
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:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Carvana Group, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased the vehicle XX/XX/2021. When I received my vehicle the description on the website did not match the car I received. The seat numbers were wrong and then I was told nothing could be done about it because the cars that matched that description were above my pricepoint. I contacted Carvana numerous times while on the phone with multiple representatives for hours on end. I had to keep telling my story over and over again. I found out when I got the vehicle there was an active warranty on it that was never disclosed on Carvanas website. I had to keep calling Carvana in order to express my disappointment in the service I received when I heard such great review about the company. After researching I found that Carvana was involved in a lot of similar issues I was experiencing. I am still dealing with emotional trauma of this experience which has affected my trust with companies such as yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: PNC Bank N.A.
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:
Spoke to a XXXX XXXX. She said I signed a document to have online statement. Again for 3rd time writing pnc nothing has changed when I told them I am a very busy man. I have over 1000 properties in real estate. I hired my mom to stay at home with my XXXX grandma and to pay my bills which I went to pnc have a worker at pnc that will testify I went in to change address and get statements in mail like I did for XXXX and other cards that didnt mess up and not change my address along with that they know I changed my address and keep sending the letters to address that isnt mine so Im asking since I havent received notice. Im asking that the negative item be removed because of them sending info to wrong address didnt change my address and didnt change my asking to statements. 

Pnc is completely wrong for this and it is their fault. And again I have a worker to help consumer finance get the truth about this horrible bank. Messed my credit up because workers cant get their job done.

Company response to consumer: Closed with explanation