BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Subject : Complaint Regarding Recent Credit Application Decision for American Express Gold Card Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns regarding the recent decision on my credit application for the American Express Gold Card. I am the applicant in question, and I am reaching out to seek assistance in addressing what I perceive to be a violation of my rights under the Equal Credit Opportunity Act. 

Believing in the fairness and integrity of the credit application process, I submitted my application along with my social security number, fully expecting a favorable consideration. However, to my dismay, my application was summarily denied. 

I wish to bring your attention to the Equal Credit Opportunity Act, as outlined in 15 U.S.C. 1691c, which stipulates that adverse actions in credit applications must adhere to specific legal standards, potentially resulting in civil liabilities under U.S.C. 1692k. Furthermore, the non-issuance of credit despite my application in good faith raises concerns under 15 U.S. Code 1642, U.S.C. 1681m, and 12 CFR 1002.

The use of my personal information without any corresponding credit extension is disconcerting. To resolve this matter effectively and to uphold the values of American Express, I propose the reconsideration and approval of my application for the American Express Gold Card. Such a gesture would not only address my concerns but also reflect positively on American Express 's commitment to equitable practices. 

I kindly request your intervention in ensuring that the credit decision on my application aligns with the legal standards set forth in the relevant statutes. I am looking forward to a prompt and favorable response. For any further communication, you may contact me via email or phone. 

Thank you for your attention to this matter. 

Sincerely, A worried consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
On XX/XX/XXXX of this year i wrote a letter to XXXX, XXXX XXXX Equifax to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XXXX & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. XXXX & Equifax Followed up with another Letter 14 Days later on XX/XX/ and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX on to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, XXXX Hardship, misfortune, suffering, Trauma and emotional turmoil. Months Later & XXXX, XXXX & Equifax is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a check from a company that was suppose to be a job that I applied for and tried to deposit the check into my account. They put a hold on the check as I expected to make sure the check could be verified. The check turned out to be sent to me from someone trying to scam me. The bank notified me that the check was not good and I tried to explain to them where the check came from and that I was being scammed and they blamed me and closed my account. My account was closed for suspicious activity and as a result I am unable to open a bank account at any bank. The reason I was given was that I should've known better, but how was I suppose to know. I though that was why the banks take time and put a hold on the check to make sure the check is from a real company. I feel they blamed me and closed my account unlawfully and caused me to be unable to open up any bank accounts with other banks because of their report. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: PA
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 XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX area at XXXX. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds. 

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing. 

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me. 

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found. 

The company stated that the XXXX has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me. 

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected. 

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem? 

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help. 

Please help me. 

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX # XXXX, XXXX # XXXXXXXX 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 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 2019-07-27
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX DRS mailed me a notice regarding an old debt I received it on XX/XX/XXXX stating I owed XXXX and last payment received was XX/XX/XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to rcw 4.16.040 on collecting a debt, also filing a complaint with CFDP. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XX/XX/XXXX the debt collector answered my complaint with CFDP and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This complaint is against Axos Bank in California. I received an XX/XX/XXXX statement and it had incorrect information on it. Stated that I have a prepayment penalty, which I do not have on my loan terms. I called Axos Bank twice ( XX/XX/XXXX and XX/XX/XXXX ) and asked for a corrected copy, which I finally received. 
The next two months statements were correct, but the XXXX statement once again has the prepayment penalty listed. I called the bank again on XX/XX/XXXX and XXXX telling them that I want a corrected copy of my statement. On the last call, XXXX gave me a case # XXXX. I have not heard anything since that time. 
My concern is that if I let them continue to state that I have a prepayment penalty, then I am allowing it and setting precedence for them to charge me fees when I pay off my loan or make early payments. I will NOT allow them to charge me penalties. 
Also, my bills are not arriving in a timely manner. The XXXX bill arrived on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX  XXXX via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: Upgrade, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to my computer being hacked in XX/XX/2022, my financial information was stolen and a fraudulent loan from Upgrade IncXXXX in the amount of {$21000.00} was taken out in my name. These funds were transferred to my XXXX XXXX account. After many phone calls to Upgrade, I was finally able to transfer the funds back to them on XX/XX/2022. I was told that they had received the amount and I would receive no demands for monthly payment. However, I am still getting emails asking for interest payment. After weeks of unresponded calls to Upgrade Claims Escalation and Resolution Dept, on XX/XX/XXXX I sent them a registered return receipt letter, attached my police report and IDtheft.gov report and requested they remove this loan. I never got a response. My latest call to Upgrade was on XX/XX/2022, and the person I spoke to said he could not transfer my call to their Claims Resolution Dept. He could only make another note in my extensive call log and someone would get back to me in 3 bus. days. I've heard from no one. All I want is for them to stop asking me to pay interest on a loan that no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: TX
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 have been disputing things diligently with Equifax over and over. 
I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs. 
They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now Equifax have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way. 
These accounts in question are : XXXX XXXX XXXX ( formerly XXXX XXXX ) -- --  that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing. 

XXXX  ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX and reinserted under a different name to Equifax . 

XXXX XXXXXXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain. 

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone. 
My last phone call with Equifax lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts. 
THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: TN
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opend on XX/XX/XXXX for {$1600.00}, XXXX XXXX  XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXXXXXX opened XX/XX/XXXX for {$1000.00}, XXXX XXXX opened XX/XX/XXXX for {$610.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$470.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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 ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I completed an application for an Income-Contingent Repayment Plan via US Dept . Of Education. I received emails from US Dept. Of Education stating the application submission was confirmed and I tracked the status until I received the following : Application Processed Completed on XX/XX/2023 Your loan servicer ( s ) has ( have ) completed their review of your application. 

I Waited for an update from ED Financial but I never heard from them. I called several times and each time was advised to wait for processing. The application was never processed and payments have resumed.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 40 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2023-12-05
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed these late payments 3 different times with XXXX XXXX XXXX XXXX is the only one reporting it correctly. XXXX and XXXX just keep verifying the information without sending me any method of procedures. I disputed on XXXX XXXX XXXX XXXX. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a 3 XXXX report in each letter- SHOWING THE ERRORS DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX

Company response to consumer: Closed with explanation