BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: AMERICAN EXPRESS COMPANY
State: PA
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 rewards from credit card

Complaint:
American Express continues to deceive and switch/bait. 

Company Customer Service ( this time a person named XXXX ) continues to ask but not resolve issues and not return calls & follow up. 

This is clearly an indication of the racket they know and have as it relates to their false advertising and bait & switch tactics. 

American Express has systemic bait & switch systems in place that advertise benefits and then refuses to provide their customers. 

Their software is not aligned with their advertisements. It refuses to give American Express consumers & small business benefits promised. 

Management knows this and continues to attempt to steal from their own customers by saving on costs by rejecting legitimate claims all the while continuing to deceive ( falsely advertise ) and encouraging them to sign up for their expensive cards. 

Its an systemic racket being run internally at American Express. Even their customer service teams can not correct as its baked into their software. Seems very corrupt. 

Strongly recommend a XXXX investigation here given the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX Bank accounts were requested to be opened with XXXX XXXX, XXXX XXXX XXXX XXXX and Suntrust. Three fraudulent accounts were successfully opened on XXXX. All three banks have been notified and have started investigations. My local police department has also been notified.

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 2023-09-02
Company: Experian Information Solutions Inc.
State: MD
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 obtained a copy of my credit report from Experian, XXXX, and XXXX. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.

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 2023-03-11
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Need to reach Citibank to ask for settlement. Always long wait times and not able to reach anyone

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 2023-03-17
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: Credit inquiries on your report that you don't recognize

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 : XXXXXXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I am currently going through a divorce proceeding. I have a final trial date on XX/XX/2023. I have been attempting to work out a loan modification with Shellpoint mortgage due to pending divorce and temporary financial hardship ; however, i was denied and did not qualify for the loan modification. I have been advised to resubmit application once i have final court order and divorce decree ; however, in the meantime company has initiated the foreclosure process engaging in dual tracking and continue to apply additional legal fee to outstanding balance. I am in a situation where i am unable to provide needed documents to be considered for loan modification and the company is well aware of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: BARCLAYS BANK DELAWARE
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : FRONTIER Airlines World Mastercard I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. 

Thank you, 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 explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights. 16 USC 1691 States I have a right to privacy. 16 USc Section 604A 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 2022-11-08
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: Account information incorrect

Complaint:
YOUR COMPLAINT Equifax has consistently failed to provide Proof of account XXXX XXXX but have only replied as creditor verified account as accurate. According to the FCRA there was not a proper investigation conducted. I was never provided with concrete evidence of verbal or contractual agreement, payment information, personal information and possibly violation of HIPPA  LAWS. I request proof or future Litigation have conducted against bureau. I want account deleted as it's a hinderance XXXX XXXXXXXX Open balance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX charged my credit card {$1200.00}, which has exceeded over my limit for {$600.00}. My income has changed since and now I am working for XXXX XXXX XXXX  and I am making {$11.00} per hour. I can not make the {$600.00} payment that Citi is demanding. I can only make the {$49.00} minimum payment until can secure a debt consolidation loan. I just started this position with XXXX XXXX XXXX making {$11.00} per hour and I get paid every two weeks, That's {$880.00} before taxes and I still have other financial obligations such as rent, insurance and daily expenses. Citi is harassing for a with calls and emails for a bill that I am unable to pay due to my low paying job. I am only able to maintain the minimum monthly payment for {$49.00} per month that I make on time.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized businesses on my 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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}

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 explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: MI
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 sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$0.00} XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents 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 2023-03-17
Company: Upstart Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
UPSTARTXXXX Reported : XXXX. XXXX, 2022 This account has been settled for an agreement that it would be removed from my report when paid. I have paid the account settlement yet the account still shows as : Payment History Last payment XXXX XXXX, 2022 Current Payment Status In Collections/Charge-off Account status Derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: MO
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 sent letter to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XXXX/XXXX/202

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is reporting and scoring me for seven hard hits for purchasing one vehicle. When calling trans union they agreed that it did not matter how many hard hits there were, if all the hard hits were for purchasing a vehicle, and I purchased a vehicle, these hits would count as only one hit. Unfortunately, although XXXX is showing one hard hit for the purchase of my truck, tans union nis showing and scoring me XXXX points for seven hard hits, for purchasing one vehicle. 

Last, XXXX is reporting a derogatory account from XXXX that I disputed ( never opened ), and that trans union removed. Upon calling XXXX today ( I have XXXX now for service ), they informed me that they could not find the 2018 account.

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 2022-11-08
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 These accounts and Inquires have violated my rights! 

XXXX XXXX XXXX Inquires! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a 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 2023-03-11
Company: CarMax, Inc.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I keep calling carmax auto finance to discuss the balance owed and to try and bring account back in good standing. Every representative gives different amounts. Then Im told if I make a payment they arent able to provide a receipt. Ive asked Carmax to put in writing the payment agreement and sass promised they would send by email in 24hours. The next day different rep stated they are not sending letter. I ask for statements of proof of balance they refuse to send by email or let me view online or make a payment online. Only can make payment by phone through rep but no commitment from Carmax they will honor their words. Ive asked for all late fees to be removed and they still wont provide me with a statement or nothing for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TD bankXXXX had an agreement to settle this account. I was late on the second payment and now tried to pay the bill and XXXX refused. Stating the account will be charged off XX/XX/25 automatically and this is what Im trying to prevent.

Company response to consumer: Closed with explanation