BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The military star card of the navy exchange sends letters to my commanding officer anytime i am past due on payments and has done this for years.

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 2021-06-22
Company: AMERICAN EXPRESS COMPANY
State: WY
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:
I applied for XXXX XXXX Amex Card online on XX/XX/2021 due to their advertisement for the promotional offer for XXXX bonus plus other stuff. I was approved instantly and got the card on XXXX. 

I started spending and by XX/XX/XXXX I had spent more than XXXX which is the line to get the bonus. I did not get the bonus so I reached out to Amex 's customer service and was told I was not qualified for the bonus because I used to own other XXXX cards. 

I asked to speak with the supervisor and was told the same, I requested them to view my credit reports and told them that I do not have any other XXXX cards. I was told " they don't believe me ''. They asked me whether I would cancel my card and they would refund my card fee. 

I asked them to proceed to cancel my card. Now my credit report was adversely impacted and I am not qualified for the bonus to get other XXXX cards due to the fact that I have applied to the XXXX XXXX Amex Card and was approved. 

This is fraud and I would request CFPB to investigate and help me get a feedback from Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2021-06-22
Company: Computer Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a high medical bill and trying to dispute the amount, however, neither my medical insurance " XXXX '' and the hospital " XXXX XXXX XXXX '' is not helping me with the process. I have called both of them several times but they are not being helpful and I am not receiving a fair response. I have received the treatment on XX/XX/XXXX and received the bill on XX/XX/XXXX. I had tried to dispute this claim back in XX/XX/XXXX to XXXX, however they denied. When I called them on XX/XX/XXXX, they had told me that they can not take my request for help since it has been more than 3 months since I got the treatment. I asked the XXXX XXXX XXXX not to send it to the collection agency as I was trying to resolve this with the Ohio Department of Insurance, however, they ignored my request and I received the bill by the following today, XX/XX/XXXX : Computer Collections , Inc . 
Claim Dept XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NC XXXX Phone : XXXX Amount : {$1600.00} The bill shows a discharge date of XXXX however, I have received the bill for the first time on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, called Pennymac, spoke to PMI department regarding PMI deletion as we have made many improvements to our house since purchasing in XX/XX/XXXX. 

Payment of {$150.00} was taken over the phone that day to pay for the appraisal. 

XX/XX/XXXX, I missed the call from Pennymac, message stated they were calling to schedule the appraisal. 

We attempted numerous times to call back to reschedule only to not receive a response. 

We eventually received a letter stating that we were not eligible for the PMI deletion as not enough time has passed since we purchased the home. We again tried to call to clarify as to why this letter was sent without the appraisal without any response. 

After weeks of being promised a return call we finally were able to speak with someone in the PMI department ( XX/XX/XXXX ) who quoted incorrectly the XXXX XXXX regulations and told us that we were not eligible for PMI deletion as we have not lived in the house for 2 years, and that if we wanted they would refund us the money for the appraisal I read him the criteria of PMI deletion from XXXX XXXX  website which states if improvements have been made to the house then we could start the process. We had made it clear from the beginning that we were requesting a PMI deletion based off improvements and value of the home, thus why we paid the {$150.00}. 

We asked to be transferred to a supervisor, at that time we spoke to XXXX XXXX, who assured us that we were right, and due to the amount of improvements we could start the appraisal process. 

We submitted proof of improvements to the house, and then were contacted by the appraiser who came to the house on XX/XX/XXXX. 

10 days have since passed with no response from Pennymac, except that we have received a duplicate letter from Pennymac stating that we do not qualify for PMI deletion based on the amount of time we have spent in the house. There has been no response from XXXX who was previously communicating with us. 

The appraiser - XXXX XXXX with XXXX XXXX respond to an email with a range of what the houses in the neighborhood are valued at, which is not a sufficient appraisal. 

The appraiser told us that he was not able to issue us the report, that it would come from Pennymac with comparables and property condition to determine current market value. 


At this point we are extremely frustrated with the lack of response and delay in this matter, as they have stopped responding to us we are asking for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-03-02
Company: DISCOVER BANK
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 sent out a letter to XXXX and Discover on XX/XX/XXXX. My current XXXX credit file is showing a Discover Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from XXXX 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. Discover and XXXX has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was of the belief that I had cancelled my credit card and when I received the next monthly statement ( XX/XX/XXXX ) with a XXXX balance, I was certain the account was closed. The next month ( XX/XX/XXXX ) I get a statement with a large balance on it. When I talked to B of A I was told B of A had refunded money B of A thought was paid to them accidentally. This accidental payment happened in XX/XX/XXXX ; 5 months prior to the refund ( Why did it take 5 months to notice this accidental payment and why was the money refunded after I closed the account? ). B of A said I had requested this money be refunded on XX/XX/XXXX ; which is untrue. I never asked for the payment that occurred in XX/XX/XXXX be refunded. Now B of A is charging me interest and fees for money B of A added to my account after I closed the account. My answer for the above question is that B of A refunded the money precisely so they could charge me fees and interest ; which in my opinion is stealing or theft.

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 2022-03-02
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions 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:
In my original investigation request sent XX/XX/2021 I asked Experian to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Experian to please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file. This is my 3rd attempt to remove the inaccurate accounts that Experian stated was verified and 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 explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had been a member with XXXX XXXX for almost 15 years until they decided to almost double my annual costs for TV service. Every year, I would have to call and re-negotiate a billing price and every year they would reduce my costs from around {$220.00} per month to about {$120.00} per month, thus giving me their " promotional rates ''. In late XXXX, they stopped allowing me to get better rates, so I began searching for a cheaper TV/Internet provider. In XXXX XXXX, I had numerous phone calls with managers and people claiming that I would receive " credits '' to my accounts, or that I would see the price adjustment on my next billing cycle. After each month, and very little promises kept- in XX/XX/XXXX I cancelled my service. They gave me a final bill, instructions to send the equipment back and told me I'd receive a final credit from them, which should have been about {$150.00} credited back to me. Instead, they somehow said I owe them {$170.00} and kept calling me to tell me I owed them money. They couldn't explain how, or show me records of anything, but that was the " bill they saw ''. Now, they farmed it out to SEQUIUM ASSET SOLUTION for {$170.00} collection and Sequium can't produce any justification, billing statements, credit promises or anything. I've called XXXX and they can't produce anything other than a system saying that I owe them, Sequium can't produce anything other than a statement from XXXX saying I owe them. Nobody will even listen to me at XXXX to determine if they credited me back what they said they were going to do, nor can they even find records of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: VA
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 no knowledge of this account. XXXX did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: GOLDMAN SACHS BANK USA
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 information incorrect

Complaint:
Hello, My complaint is in regards to my Apple/Goldman Sachs general credit card. I opened the account in XXXX XXXX XXXX  and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately XXXX %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my Apple/Goldman Sachs card. 

Right now, today for instance, according to my XXXX  credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX  balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because Goldman Sachs has not reported correct information. XXXX  says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show Apple/Goldman Sachs has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - XXXX  is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at Goldman Sachs at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but Goldman Sachs continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with XXXX they tell me I can not dispute it and that I have to just wait for Goldman Saks to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I found out that both of my credit cards from syncb had a charge of {$5000.00} and change A dispute was started and on XX/XX/2021 I received a bill from XXXX XXXX I tried to call them spoke to XXXX and he gave me an XXXX in which I was not able to connect to a live person. I was on hold for both on XX/XX/XXXX and XX/XX/XXXX and was not able to receive any answers in which where the furniture got delivered, who signed it, and when was the transaction was made. After being transferred to the fraud team on XX/XX/XXXX, and tried to get answers the person stopped speaking for approx 10 minutes and then hung up on me. Both accounts are from synchrony Bank and they are XXXX XXXX, and 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 2023-10-12
Company: EQUIFAX, INC.
State: VA
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:
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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

Company response to consumer: Closed with non-monetary relief