BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received a nice American express Gift card from my employer for my XXXX XXXX anniversary. 
They know we like to travel so it was interned to be used for our next vacation. 

I have tried to use it at XXXX when that didn't work I tried to get an XXXX  gift card from them. 
I also tried XXXX, XXXX and it doesn't work. 

I have checked it's activated and I have tried to make purchases less then the available balance. Again the only solution from American express is to try to use it somewhere else instead of where I want to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 both VMF and XXXX XXXX XXXX were notified that we would be cancelling our current insurance policy with XXXX XXXX and switching to our new policy with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/2023 VMF issued payment to XXXX for this new insurance policy from our escrow account and the VMF online portal had reflected this change to the new insurance policy. 

On XX/XX/2023 we received a new escrow analysis stating that our mortgage payment was going up, after we review this escrow statement we noticed that on XX/XX/2023 VMF made a payment to XXXX XXXX for the old policy they were both told to cancel, had now been switch back to our insurance policy in the VMF portal ( and XXXX XXXX XXXX which is owned by the same company acknowledged on XX/XX/2023 that the policy was cancelled ) VMF nor XXXX XXXX  did not recognize error or did their escrow analysis recognize their failure and the fact they paid for an insurance policy without our consent. 

VMFs escrow statement also includes many factual errors in addition to the gross negligence around the insurance policy, VMF has the taxes in the escrow analysis incorrect there are two installments of {$440.00} per year at the current tax assessment. However VMF also has a personal property tax listed of {$970.00} which is factually incorrect ; there is no personal property tax only real estate tax. 

In addition in XX/XX/2023 VMF withdrew {$220.00} with no description of where this monies went. We need an audit trail of where this money went. 

Over all the gross incompetence at VMF has been a headache since day one and continues to be a headache every day, no other mortgage company has these problems.

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 2022-05-30
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, a natural person, and no one is helping me file this complaint. I have sent several certified letters to this Debt Collection Agency CALVARY PORT requesting an audit trail to that I may have a chance to validate the debt, and for them to Cease and Desist reporting while I was disputing this debt. CALVARY PORT is in violation of my consumer rights by refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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:
Please reference XXXX I can not access my credit report for equifax at all! I have no score. I recently discovered as mention in case above that equifax wasnt reporting my tradelines. Im therefore requesting an update to my credit so that I can review my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax - trying to place security credit freeze on my account, after entering my personal information, the option is not show to place a freeze. 

Contacted Equifax at XXXX, told to try website again, maybe the option to freeze will show up. Customer service person had no clue what to do or how to help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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: 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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-05-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Navient on 2021 in regards to them withdrawing {$250.00} on XX/XX/2021 and XX/XX/2021 for the same loan and {$43.00} on XX/XX/2021 and XX/XX/2021 for the same loan. Essentially, charging me twice for the same loan but only crediting my account once. Navient responded by stating they only withdrew the amounts once, not twice. My bank records shows where Navient withdrew the money twice. I contacted Navient a second time with my bank records, and they have not responded to my inquiry. 

Student Loans are with my maiden name : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Investigation took more than 30 days

Complaint:
XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to XXXX  that their last date reported was XX/XX/XXXX, they reported to experian that their last date reported was XX/XX/XXXX, and reported to XXXX that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. XXXX states that this account was opened XX/XX/XXXX, XXXX shows that this account was open XX/XX/XXXX as well as experian. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.

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 2023-06-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ChexSystem refuses to delete ITIN number causing conflicts with my SSN on my ChexSystem report.

Currently my ChexSystem shows XXXX XXXX variations under the same report. 
Financial institutions are unable to get access to my ChexSystems due to XXXX not matching because of XXXX still showing under my personal information. 

I had an XXXX in the past which is no longer valid after I was assigned a SSN from the XXXX. 
XXXX becomes invalid and inactive after XXXX is assigned, and should never replace a SSN, however they do not understand this part. 

Additionally I want to mentioned they are using bad and incorrect practice, they asked me to send a letter from the XXXX indicating my full SSN digits on the letter, I contacted XXXX XXXX and they do not do letters with full social security number, the only proof is the Social Security Card or a XXXX form release request authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This complaint is in reference to the advertisement provided by Chase in the mail to XXXX that will provide {$300.00} to open a checking account with direct deposit. In the previous complaint filed, Chase submitted a copy of a XXXX advertisement that provides {$600.00} as a a bonus in opening a checking account and restricted having a joint account to receive the bonus. 

I am referring to the XXXX advertisement and the XXXX advertisement that Chase provided. Chase could not produce the XXXX advertisement that involved the bonus of {$300.00} with the only restriction that a direct deposit be linked to the account, which is what I opened at the XXXX XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2021-05-10
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Late payment made on XX/XX/XXXX including full amount of {$130.00} and {$2.00} Interest Charge for a total of {$130.00}. I was told by a representative the {$29.00} late payment fee would be waived as a courtesy. The fee was not taken off and the account continued to accrue late payment charges on : XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$31.00} XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$2.00} I was contacted on XX/XX/XXXX and I informed the representative of the situation. She claimed there were no notes in the account and advised me to call back and speak with a supervisor. 
On XX/XX/XXXX - Mother 's Day I was contacted 4 times in 4 hours starting at XXXX XXXX PST. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  On XX/XX/XXXX I called and spoke with both a representative and supervisor that both stated there were no notes regarding the original late fee, but they could waive all the late fees provided I paid the {$6.00} in finance charges. I paid to keep my credit from being ruined, but if the original fee was taken care of as I was told there would be no additional fees. To my knowledge the account was brought current on XX/XX/XXXX when I made the full payment including finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 1. XXXXXXXX XXXX  Account # XXXX 2.XXXX Account # XXXX 3XXXX Account # XXXX & XXXX XXXX Account # XXXX has violated my rights. 






15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2019-04-01
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/XXXX my bag was delayed on a return trip from XXXX. I contacted the Citi Benefits number and the agent opened a claim. After returning home, I submitted the required information to complete the process. 
Last week, I received a letter date XX/XX/XXXX from Citi Card Benefits Administration stating the claim was declined as I was returning to my primary residency. 
I called Citi Benefits on XX/XX/XXXX and the service agent made several attempts to demonstrate that I was ineligible. First she restated the letter, then we talked about " Completion Date '', then that it was a return trip and finally she was suggesting XXXX was my primary residency. 
It felt like I was bombarded with a series of arguments to prevent them from honoring their offer per the guide called " Your Guide to Protection Benefits '' Fact- My bag was delayed and I was in XXXX for three days without my bag. 
They know my primary residence is in Iowa.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.

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 2018-11-28
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a loan years ago and paid the loan off. Upon checking my credit I noticed the loan company ( XXXX XXXX XXXX ) reported to the credit bureau the loan is in collections on XX/XX/2018. This information should be removed from my credit report on all three credit bureaus due to the loan being paid off years ago. It's seems to keep resurfacing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have a credit card, Care Credit with Synchrony Bank that I have had since XXXX XXXX that I have been paying on monthly since. I received an online statement that I have gone over my {$2000.00} credit limit and owe a minimum payment of {$170.00}. After contacting the customer service department for the Card on XXXX/XXXX/XXXX. I was informed by the agent, that the reason my monthly payment is so high due to a missed payment and due to the promotional fees. The agent stated that I have made over {$800.00} in payments just in the past year from what her system can only go back 1 year, and accumulated over {$310.00} in just the past 2 months in Promotional fees, and {$120.00} in penalties. After explaining why I missed a payment was due to no employment, I asked if they offerred some assistants, the only assistants she offered was to take away XXXX penalty charge. I asked to be transferred to a supervisor. After being transferred to a supervisor the gentlemen stated that there was no other assistant 's that can be offered until I have a income. I asked him if they are willing to work out a settlement deal, and the supervisor said yes they can offer a settlement option ranging from XXXX50 % off the balance. I was reassured by this supervisor that all I had to do was call back on XXXX/XXXX/XXXX when I had the money from a friend or relative that would be able to pay a settlement. So I was able to gain a backer to support the money needed for a settlement. I contact Synchrony Settlement Department and asked to speak to a Supervisor, after on hold fro 10 minutes, I spoke with a gentlemen and explained the situation, and that I 'm calling back for a settlement. The guy continued to ask me questions that were irrelevant, which I answered anyway. After answering the questions, he stated that they where unable to give a settlement and the supervisor that I talked to XXXX/XXXX/XXXX was not allowed to inform me of settlements that they provide and was not going to offer a settlement. I expressed my concern on how dishonest, corrupt and wrong for their company to treat people and mislead them with false statements. Then hung up the phone.

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 monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # 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 XXXXXXXX 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. 
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