BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I contacted American Express ( AE ) before I registered to make sure I can get a credit limit high enough to handle my entire transfer. They said they can not tell until after the approval but if it was to low I would be able to contact them after the 30 days to get a credit increase.On XX/XX/XXXX I signed up for an AE card because it offered 0 % APR on balance transfers. I contacted AE and tried an online increase after the 30 days and it said I had to wait 60 days before I could do that. The balance transfer deal expires in 60 days. I would not have signed up for the card if I knew I would have to wait the full 60 days and miss the promotion of 0 % APR before I could get an increase of my credit limit if it was to low to start. 

I had the ability to transfer a small portion of my balance but that would do anything for me that is why I was checking and verifying with them through out the whole process to make sure I could do this and get the higher limit so I can transfer the entire amount. 

I feel like they used a bait and switch on me. I was told I could do something so I signed up and then by the time they would let me do it I missed the promotion and now stuck with a higher APR if I wanted to transfer. 

Another thing that is bothering me is they said I can not do a balance transfer until I get and authenticate the card, but they start the promotion count down from the day you were approved. They shipped my card on XX/XX/XXXX and I received it on XX/XX/XXXX. So that is 20 days I was not able to do the balance transfer missing out on 1/3 of the available time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, 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, 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/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 2018-05-22
Company: United PanAm Financial Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to car dealer and signed a contract on the XX/XX/2018 and made the agreed payment dait of the first of every month because I am on social security told XXXX XXXX XXXX I was on XXXX so car dealer and them were aware of me being paid the first of the month the person that called me they said they dont care about my XXXX then told me pay by the XX/XX/XXXX or they take the truck but have a 3 day grace period and they said they dont care my XXXX has no barring on the contract by law I have a verble contract with the dealer so now I pay on the first only or I get you for XXXX discrimination and file on my bankruptcy, The dealer said we can sign the contract now get my insurance pay first payment on the first they said they set it that way so we can pay for the truck without any problems like XXXX XXXX XXXX putting all [ payments late have witness to the fact and verbal contracts hold up in the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: FL
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home mortgage refinance on XX/XX/XXXX with Wells Fargo for the amount of XXXX XXXX cash out. My income is enough to support this loan but I was denied on base of their claim being my debt to income ratio is 66 %. I used their own online debt to income ratio calculator with the same numbers I provided to them and it says my ratio is only 35 % and in standard with their requirements. I then further escalated my case to be reviewed again by a team of under writers and again I was denied. They are incorrectly representing my debt to income ratio and I believe I am being discriminated against because of my age and because I am young but still make enough money to support this loan. They gave me a run around and no clear answers for 3 months. 

I work for a family owned hotel company which I also have ownership in. 

I am attaching my denial letter ( received XX/XX/XXXX ) which also states their reasons for denial, none of which could have any effect on me actually getting this loan.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b XXXX  and TransUnion are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XX/XX/XXXX ; According to FCRA Section 605B ( a ) the XXXX and TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this loan. I was paying on if for 2 years prior to Covid19 and my balance never changed. Covid19 hit, I list 6 family members to include my mother. I have had my own battles with XXXX I have siblings with long term symptoms. Several people remain out of work today. A lot has been placed on me! I can no longer make payments in the amount that they want. I asked for an interest rate reduction. I need a permanent reduction in the payment and the interest rate. The majority of my payments go to interest. At this rate it will take way to long to pay this off. They have pushed some payments to the end of the loan. When the time frame comes to an end I am still not able to pay the entire payment. The majority of my payment still goes to interest. I asked for them to forgive all or a portion of the loan. They will not do either. Im going back and looking over my loan, the interest rate is tremendous. I am pretty sure they have broken the Usury Laws in Georgia. I feel that I am a victim of Predatory Lending. They were also sued in Virginia for Predatory lending practices. as recently as 2018. I just need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX ... On XX/XX/2018, I wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.

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 2021-01-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CORRECTION TO PRIOR COMPLAINT. 

On XX/XX/XXXX I mailed a 3rd dispute to Experian that had supporting documentation proving the collections that they inaccurately and illegally placed on my credit report were unverified and not valid. On XX/XX/XXXX, using tracking with this USPS, my documents and dispute were delivered to Experian. After realizing that my disputes were not being processed ( didnt get a notification from through their app, which I always do XXXX, I called on XX/XX/XXXX to verify if they received the documents. I spoke to a Representative whose name is XXXX, he stated that Experian received the documents on XX/XX/XXXX but they are not being processed. I asked why werent they being processed and he could not give me an answer. I then asked to speak with a supervisor. The next person I spoke with, assuming it was supervisor because XXXX placed me hold after I requested to speak with one, also stated that my dispute and attached documents were received on XX/XX/XXXX but were not being processed. He then stated that Experian has 3-5 business days to process disputes. I mentioned that the 5th business day would have been XX/XX/XXXX and asked why wasnt my dispute being processed. He then told me that was in their mail processing department. I asked when would my disputes be processed and he stated he has no control mail processing. Now, on XX/XX/XXXX, I called Experian again, this time speaking with a representative named XXXX about my disputes. XXXX then put my on hold to check the status of the disputes. She then arrived back to the phone and stated that Experian does not have the dispute. I then told her about my conversations yesterday with other representatives to which she stated I dont understand why they would tell you that because we have not received any documentation from you. I then asked if those representatives ( the rep and the supervisor ) were giving me the runaround then which she stated yes. XXXX then confirmed that Experian never had my 3rd dispute and that the previous representatives I spoke with LIED to me. I know my dispute was delivered because I have tracking. Also, I know Experian records all conversations so my complaint will be validated. Experian is refusing to investigate my dispute.

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX Auto Finance be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX to explain why every complaint and request sent to XXXX XXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.

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 2023-07-06
Company: Bread Financial Holdings, Inc.
State: NV
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint but I do believe it was not explained correctly. XXXX XXXX is claiming that I owe a debt and I have reached out to provide proof of the debt. In the initial complaint, they responded by saying they sent the first collection letter in XXXX to the last known address. I have the same XXXX XXXX XXXX address on file for the last 10 years and never received any letter that I owe a collection. I only received a copy of the contract after I just submitted a complaint. The contract shows two names and I do not know the other person on the contract. Also how can I owe a debt when I never lived in XXXX until XXXX. The address that is on the contract have never been on my credit file. If I owe XXXX lakes a debt I am sure that the address will be on file and yet it isnt. I only have had a Georgia address on file until I moved to XXXX in XXXX. I see the names but I need adequate proof that I owe a collection. I would like to see my actual social security number that ties me to the collection and not just my name cause Im not the only one with that name Also a legit signed contract and not a computerized signature my actual signature and social security number. This debt is every detrimental to my credit and again I am asking that it is removed from my credit before further action is taken.

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