BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
While reviewing my AMEX SERVE account, I noticed some charges that I did not make. I called customer service who put me in touch with their fraud protection division. I asked for a review of the {$160.00} charge to XXXX, a company Inever heard of, and they suggested I close the account and get a new card. The next day XX/XX/XXXX, I received an e-mail saying my dispute was declined. 1 minute later I received another e-mail saying my account had been locked and suspended for violation of the card agreement. I sent a letter asking for proof of the charge but have not yet heard back. OnXX/XX/XXXXI called to find out the status of my new card but was told only that my account was suspended for improper use. AMEX suspended my account at their suggestion since we thought the account was compromised. Yes the card was used in violation but NOT BY ME. AMEX has not provided documentation of the charge in question and decided to not send me a new card without informing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Transunion is refusing to investigate my fraud claim and repeatedly sends me bad faith letters about how they are unable to determine the nature of my request. It has now been 119 days since I first reported the issue to them. They have hundreds of messages that they explicitly refuse to read and hours of recorded calls. They literally hang up on me when I call them because they think I'm their slave and they want me to XXXX XXXX XXXXXXXX when I interact with them. It is absolutely ridiculous and totally inappropriate. They are blatantly NOT trying to " maintain complete and accurate credit information. They are bad faith stalling because they know they are in the wrong and they defaulted on me and their bankruptcy / credit fraud strategy is to attack their creditors and draw this out as long as possible. I am suffering approximately XXXX XXXX dollars per week in damages as a result of the institutional fraud collectively known as XXXX. I am making zero payments denominated in USD to any US banking or Government entity until they cover their illegal short position and return my collateral. This is an existential problem for the US establishment and if it is not resolved it will result in the destruction of the establishment. The guilty parties have commited treason and enslaved american citizens. I'm not going to participate in any transunion processes or jump through any hoops to help them in their bad faith processes. This is now a political problem. Pay me NOW!

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 2022-05-02
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2020-04-09
Company: SYNCHRONY FINANCIAL
State: NY
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 XXXX and XXXX of 2017, Credit report shows that I made 2 late payments to American Eagle ( AEO ) in which I disputed. I always paid online monthly and expressed to the agency that the application use to crash all the time. I sent a 'Goodwill '' letter stating the entire situation on XX/XX/XXXX. The account has been paid in full without it going into collections. I just can't afford for this mark to be on my report for the next 5 years. I would appreciate more than words can ever describe if it can be removed. My credit score is very good and if its removed it will most likely be excellent, I am potentially in the process of purchasing a home and need my score to be as high as it possibly can. This mark is really hurting 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 2018-10-02
Company: EQUIFAX, INC.
State: MA
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 submitted multiple complaints ( including documentation ) to Equifax, including one previously through the CFPB, on this one issue. Equifax lists my current student loan at XXXX XXXXXXXX XXXX as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX  who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've asked the FSA to reflect the correct amount owed on my consolidated student loans. Their site currently reflects a doubling of the amount owed because even thought I consolidated my loans, FSA nor my current servicer Mohela refuse to do anything about it. Mohela reflects the correct amount and was told by the FSA that they are the ones that are to tell the FSA the amount due. I'm getting no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}

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 2020-04-09
Company: Resurgent Capital Services L.P.
State: CT
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:
The original creditor XXXX  XXXX removed the account beacuse it wasnt mine. The company that bought lvnv funding it kept it on with a last payment date that wasnt on the original date. The collector who bought it stated a last date paid was wrong beacuse they never recieved a payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
They lowered my credit limit. I want it put back to {$4200.00} and I need a foreberance for my account. I have been affected by the corona virus and they shouldn't have lowered my limit.

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 2023-10-30
Company: Support Collectors, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They are reporting an account on my credit report without notifying me, I sent them a validation letter last year and they never sent a response, as they didn't, I asked them to stop collecting and reporting, I don't pay anything that is not proven, now in my report it comes out that they have reported this incomplete account, there is no date of my last payment and they say overdue by default this account is overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXX UT XXXX XXXX Balance Owed : {$2800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Bread Financial Holdings, Inc.
State: NY
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 text alert from Comenity Bank indicating that my Kay Jeweler 's account had a purchase attempt in the amount of {$7700.00}. A few days later, it was discovered to be a fraudulent attempt of an out of state purchase at an outlet store that was declined. I requested further action to be pursued as this is an attempt at Grand Larceny. I have heard nothing since of such resolution. Shortly thereafter, I noticed a Hard Inquiry on my credit profile for a credit line increase from Comenity Bank. I attempted to dispute this thru the credit bureau, with no luck. I disputed this thru Comenity Bank and was informed that it was I who indeed made the request for a credit line increase on XX/XX/2023. This is absolutely not true, and correlates to the date of the fraudulent purchase attempt. I tried to explain this to 3 different representatives on the phone today. Nobody would assist me. I demanded my account be closed. It is still open. This company is irresponsible with my credit and security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I made two payments of {$8400.00} from my XXXX XXXX business checking account ending with XXXX respectively on XX/XX/XXXX, and XX/XX/XXXX. 
1. The {$8400.00} payment on XX/XX/XXXX failed and the money was returned to my XXXX XXXX checking account. 
2. The {$8400.00} payment on XX/XX/XXXX was successful, XXXX XXXX payment confirmation ( attached here ) shows that the money was successfully paid to American Express. However, American Express did not credit this payment to my American Express credit card, the payment activities ( as of XX/XX/XXXX ) in the online Payment Center of American Express ( attached here ) show that this payment failed and was returned. 
3. Based on the wrong records of American Express online Payment Center showing that the {$8400.00} payment on XX/XX/XXXX failed, American Express marked my credit card account as past due, repeatedly hired different collection agencies to harass me ( which had caused severe emotional damages to me ), and added delinquency record to my credit profile. 
4. On XX/XX/XXXX, American Express sent me fraud monthly statements showing that they did credit the {$8400.00} payment on XX/XX/XXXX to my credit card, which conflicted with the payment activities I got from American Express online Payment Center on XX/XX/XXXX. Also, American Express did not affirm whether they sent me the monthly statements in the year XXXX, and did not affirm whether the monthly statements they provided on XX/XX/XXXX were exactly the same they provided to me in the year XXXX ( if they did ). 
Therefore, I hope the CFPB to penalize American Express for providing fraudulent monthly statements, wrongly missing my payment, harassing me through collection agencies, and wrongly adding delinquency record to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX 2019 I physically walked into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX with the intent to load {$120.00} on to my American Express Serve ( Green ) prepaid card. I handed the cashier {$120.00} cash, she took the cash and my Amex Serve card, attempted to complete the " load '' transaction and received and error message saying that the load was unsuccessful. She attempted 2 more times without success. She handed my card and my cash back to me. I then drove to XXXX on XXXX XXXX in XXXX Texas in another attempt to load the {$120.00} onto my Amex Serve card. I handed the {$120.00} to the cashier, she too got an error message saying that the transaction was unsuccessful. She tried again and the transaction was successful. I got a receipt with the successful transaction of {$120.00} loaded to my Amex Serve card. I also received an email from Amex Serve notifying me that the transaction was successful. Exactly 11 min later I received an email from Amex Serve saying that my account was now overdrawn $ XXXX. 
I contacted Amex Serve to inquire about what was going on but I kept getting a message saying that their system was down and to call back later. Later in the evening I called back to explain what happened. They said there was no mistake but if I wanted to file a dispute I could. I filed a dispute. Sent copies of the transactions from XXXX to Amex as they requested and received a response saying that they was no error and I needed to bring my over drawn account current. I disputed again, went through the exact same 10 day process only to be tole there was no error and they will NOT be giving me back my {$120.00} dollars. If there was no error than why do I not have my {$120.00} available to me? If there was no error then why do I have a copy of a transaction for the load onto my card for {$120.00} from XXXX and then a copy of a transaction from XXXX for a REVERSE load for $ XXXX? There IS A PROBLEM and no one will help me. I have contacted XXXX and no one will call me back. I've contacted Amex Serve and they do not see an issue and I've contacted XXXX 3 times and have not gotten an email or phone call or letter from them offering any help what so ever. I am desperate! FYI- American Express Serve outsources their customer care team. They are not actual employees of American Express. They are located in the XXXX and have no contact with anyone from the actual American Express corporate company in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
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.

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 2020-04-09
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i contacted honda financial about this loan and it has been 45 days or more with no response, i tried to get the account information verified but had no luck getting a response, they in turn have added a late payment on my credit report for a car/loan i am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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:
There is a fraudulent account on my credit report. I have tried to dispute it with Experian but there is not way to do it electronically and the phone number provided does not connect to anyone. I have no knowledge nor business agreement with XXXX XXXX XXXX nor their client XXXX XXXX. 

My identity has been stolen in the past and my information compromised during the Experian breach. I am XXXX  XXXX so I can not drive a car so there is no need for my to apply for car loans nor insurance!

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 2022-05-02
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 the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX  XXXX REMOVE ALL LATES XXXX  XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX TN CHILD SUPPORT 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 2022-05-05
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: Account information incorrect

Complaint:
There is a incorrect hard inquiry on my credit report I am trying to have removed. The incorrect hard inquiry occurred on XX/XX/2021 and was reported in error to the credit bureaus by XXXX XXXX. I know you can not file a dispute online regarding a hard inquiry. In XXXX of 2021, I communicated in writing with XXXX XXXX regarding the incorrect hard inquiry and they agreed it was incorrect and I was told ( by phone ) they would report to the credit bureau ( Experian ) that it was incorrect but that they had no power to require Experian to remove the hard inquiry. It has been over 6 months now, and the false hard inquiry still remains on my credit report. I have tried to contact Experian by phone and email. The phone number does not allow you to talk to a human being and I have been unable to locate an email for Experian. If they refuse to remove the hard inquiry I would like to have a letter of instruction placed in my credit report to explain that this inquiry is in error. I will be applying for a mortgage in the near future and this hard inquiry is effecting my credit score.

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 2023-10-30
Company: Navient Solutions, LLC.
State: MI
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:
NAVIENT Navient has been reporting the wrong information since XXXX from the emails received. Navient account was reviewed on XXXX and the school they are reporting is XXXX University. I was a student at XXXX University starting XX/XX/XXXX. The loan disbursement date on the Navient account is XXXX. I did not attend XXXX University in XXXX. Navient has been reporting this false information for 3 years ( or more ), which has taken a toll on my credit report. I have been receiving calls between XXXX XXXX - XXXX XXXX every day except Sundays, and I know they know it is a violation to contact consumers several times a day. Per the FRCA, it is my right to ensure that information is being reported accurately.

Company response to consumer: Closed with explanation