BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: AMERICAN EXPRESS COMPANY
State: IL
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 opened Amex Hilton card in XX/XX/2020 and upgraded it to Amex Hilton XXXX XXXX in XX/XX/2020, which includes a benefits of {$250.00} XXXX XXXX credits for each membership year. From my understanding, the membership year begins in XX/XX/2020 but Amex states that the start point is XX/XX/2020. The condition for the Hilton XXXX card states " Your first reward year begins on your account opening date. '' which doesn't clarify the meaning of the account. Since this is the terms and condition of the XXXX card, it's naturally to think the account stands for the Hilton XXXX credit card account but not the Hilton credit card account. American Express didn't provide any explanation or reminder of the expiration date of the credits and refused to recover the credits for the customs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Open Date XX/XX/2017 Balance : {$6400.00}

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted both Trans Union and XXXX regarding several inquiries that are reporting on my reports respectively that were not made by me. I have mailed in disputes and spoken to each credit reporting agency several times over the phone and I am unable to get any form of remedy from those efforts. 

I have also filed the FTC fraud report as instructed and sent that in as well and they are still reporting. This is a violation of the fair credit reporting act. I need these removed immediately as they are a defamation and misrepresentation of myself and or affecting my credit worthiness causing me actual monetary damage in the form of denials and also higher interest rates. 

Listed below are the inquiries I am referring to, listed XXXX credit reporting agency. Please note that not all of these are included on the FTC report as some of them have occurred after the report was made. 

XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX CARD, Inquiry Date : XX/XX/XXXX TRANSUNION XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry XXXXate : XX/XX/XXXX XXXX. XXXX XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2020-12-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Assumption process has started in XX/XX/2020, poor customer service with lack of communication, fees for the assumption have been cashed around the end of XXXX with still being told that the loan is being reviewed by underwriting. Unable to get an exact date of when the assumption process will be completed. Have been calling on a weekly basis to only be told that the account is being reviewed. The customer service is unable to answer any question, with blind transferring to other lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
lakeview loan servicings website is not functioning properly. When I try to submit a payment it gives me an error message. However I received an email confirmation that my payment was submitted. Ive tried calling them 3 times to verify they received the payment. No one answers the phone and I cant find any other way to contact them on their website. I have not received any notification that they are experiencing problems to their website prior to trying to submit my payment. There is not communication from this company and its impossible to talk to someone that works there.

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 2023-08-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint XXXX was opened on XX/XX/2023 and no resolution has been provided to date. 

XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2023 XXXX Credit card or prepaid card ISSUE Fees or interest We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately XXXX months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.

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 2020-12-21
Company: Credit Plus 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:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: NC
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. My information was exposed in a data breech. The information is inaccurate and have no relation to the accounts reporting .I opt out of any company policies as this is to be handled under FCRA LAW. I will be following up with each company to make sure this is handled in a timely fashion. 

XXXX XXXX ( {$8100.00} ) # XXXX XXXX XXXX ( {$430.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am currently within a XXXX XXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( Trans Union, XXXX and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and Ally is NOT reporting these payments.

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 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Have been trying to make payment with Lakeview Loan for 3 days. Web systems are not functioning properly. Phones are not answered in any department. Concerned about receiving a negative credit mark as a result of non payment. 

Did receive an email on XXXX stating systems were back up. This has proven to be 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 explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CO
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: Investigation took more than 30 days

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE XXXX AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT XXXX XXXX 


FRAUDULENT ACCOUNTS : 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 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 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, FRAUDULENT ADDRESSES : 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 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 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 2021-10-16
Company: AMERICAN EXPRESS COMPANY
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:
I have a credit card with AMERICAN EXPRESS. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my American Express Card with XXXX XXXX. On my XXXX regarding the same American Express Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with American Express

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: MA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-01-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2003 I contacted Comenity Bank to request a reduction in my interest rate. I was outsourced and they transferred me all over the place finally telling me that I had to put it in writing and giving me the address to send my request to : Customer Care, Comenity Ban, XXXX. XXXX XXXX, XXXX, Ohio XXXX. Today I received a response from them telling me to call Comenity Bank. I called and they were unable to verify my information, told me my birth date and the last four digits of my social didn't match. I asked for a supervisor and they transferred me to the collection department which couldn't help me as I wasn't in collection. I asked for a department to contact other than Customer Care as Customer Care didn't seem to understand the request and neither did anyone else at Comenity. They suggested that I apply for a hardship, which is not what I wanted to do. At this point I would simply like to be able to contact someone at Comenity that can stop " customer service '' from giving customers the run around, while I shop for a bank to transfer this card and a card that has apparently been sold to them by XXXX to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The Lakeview XXXX site has been down for like a week because of cyber attacks, and hacks. They have left customers in the dark about all this. Today they withdrew the incorrect amount from my bank account and I can not get ahold of anybody at lakeview. The amount doesn't show up in my account on their website, so I have no way of verifying it being legit or not. They changed the website, and accounts so my account stopped working and I had to reset my password. Most of the features on their website relating to accounts isn't working. This has has been a horrible experience. They bought my mortgage about XXXX  months ago and has been a source of constant problems since. My loan payment says it's due today, and I can't pay or get this corrected either.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: IL
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:
In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, XXXX, XXXX, had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called XXXX to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called Experian to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.

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 2023-02-06
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2023, I applied for an American Express card through my XXXX XXXX account ( Diamond status -- the highest rewards tier ). I only applied because the credit card was offered through the XXXX portal while I was accessing my XXXX account. I have other access to credit, did not need the card, but was willing to go through a quick and easy application process. However, apparently American Express wanted more information from me -- most specifically related to my address, although everything I have, including credit, flows through that same address. I discovered this when American Express called me at XXXX at XXXX XXXX. XXXX XXXX on XX/XX/2023, a call I missed. However, when googling the number I discovered what the phone number was attached to -- American Express -- and also many threads related to people complaining about American Express 's incessant calls related to previous credit applications. I called the number, told American Express to terminate my application, and that I was not to be contacted again. I was assured that American Express would terminate my application and would not contact me again per my request. A recording of this phone call apparently exists with American Express. Within minutes I received email confirmation from American Express at XXXX, the same email address used for this complaint, confirming that my application had been terminated per my request. Still, at XXXX XXXX. XXXX XXXX I received yet another call from an American Express telemarketer -- in both instances the calls appeared to be originating from another country, although the incoming phone number was a XXXX number -- trying to further engage me in the application process. I informed the caller I would be filing this complaint and terminated the call.

Company response to consumer: Closed with non-monetary relief