BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MI
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 have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

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 2022-04-14
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A Huntington bank representative called me on XXXX of XX/XX/2022 from phone # XXXX and promised that {$150.00} would arrive my account XXXX by XX/XX/2022. However, it did not arrive by today XX/XX/2022. I called the phone # but reached no one. I left message twice but no one called back by this writing. I request Huntington bank to keep its promise. The bank said phone conversation would be recorded. I recorded it too, hence available for checking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX This account is being reported on my credit profile years past the legal statute. 
The date of last activity shown is XX/XX/XXXX. 
The last reported update of this account is XX/XX/XXXX. Both of these dates should have signaled to the Creditor as well as the Credit Bureaus that this item be removed according to the FCRA as well as the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, 2023 i applied for an American Express Business Gold Card, throughout this process my social security number and business EIN was requested. The reference number for the application is XXXX I was subsequently denied an extension of credit due to certain factors outside of me having a 705 credit score. This is in violation of consumer law 15 US code 1602, within this code it essentially states that i am the original creditor, and any loan or credit card product that i apply for with any financial institution is an extension of my own credit from my social security account. I Spoke with a representative at American Express and stated this consumer law 15 U.S code 1602 as well.

15 U.S code 1602 : ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. 

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
- my social security card was used in this application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The first of XX/XX/2021 I purchased a new XXXX XXXX. I have perfect credit and I understand how payments/principle/interest works. I received the best interest rate from Wells Fargo Auto. I always pay extra principle on payments that have interest. I have never had an issue doing this as long as it is specifically stated in the notes section of the payment... .ex : $ 402 monthly payment ; {$150.00} extra to principle. Wells Fargo refused to apply the extra principle to my account. They said it wasn't possible until I was at least 3 months ahead on the 'regular ' payment, and at that time it would go towards principle. Therefore, even though I was paying down the principle, they were not applying it correctly and I was paying interest on money I had already paid them. After multiple phone calls and emails, lots of hours of frustration, I re-financed my loan in XX/XX/2021 through my local bank. I have contacted Wells Fargo today to ask about the class action law suit regarding these practices. They said since my car was not repossessed, I would not be qualified for this class action. I disagree. They mis-applied my payment for 4 months, even after I contacted them on the phone and in writing stating that this was unfair, unethical, and likely illegal.

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 2023-03-02
Company: EQUIFAX, INC.
State: OH
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:
The following companies did not have permission to request my credit report from XXXX, XXXX, and Equifax XXXX XXXX  - Miscellaneous Finance, Date : XX/XX/XXXX XXXXXXXX XXXX  - XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit Cards XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express recently updated the annual fee for it's Platinum Card and added multiple new benefits, including a $ XXXXmonth statement credit for purchases on certain streaming services ( including XXXX ). My annual fee for XXXX was charged to my Card on XX/XX/XXXX. I did not receive my statement credit for my XXXX charge in XXXX, because apparently you have to complete a one-time enrollment for this $ XXXXmonth statement credit, that I was not made aware of by Amex. The advertising I saw never had any mention of enrollment and you certainly don't have to enroll in the new higher annual fee. I did notice it myself on XX/XX/XXXX, and enrolled, and it was mentioned in my XXXX statement ( dated XX/XX/XXXX XXXX, but I received no notice prior to XX/XX/XXXX or making the charge. This enrollment is definitely not necessary and serves no purpose other than to prevent consumers for accessing this benefit to prevent having to actually pay out a new benefit. Failing to communicate it to consumers on top of that is clearly a deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
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:
The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2023 Kohn Law Firm S.C in XXXX Wisconsin Sent me a letter with the attempt to collect a credit card debt of {$7900.00} and on their letter they state that Failure to comply with their Order may be contempt of court and I would be subject to Imprisonment up to Six months, Forfeiture and punitive actions. Their letter with the threat of Imprisonment is causing me a great deal of anxiety and and XXXX. It has also caused me emotion injury and I am now in constant fear and therefore its reflecting on my duty as a parent with home schooled children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: DC
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B XXXX XXXX creditor may not treat a payment on a credit file under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been attempting to deal with Macy 's with regards to a late payment being reported on my credit report. This reporting is for the month of XX/XX/2019 and is not 100 % accurate. Therefore, I have been asking cordially that they remove this from my credit report. 

Two disputes with the credit bureaus have been filed and a written correspondence has been sent to Macy 's - and 2 phone calls have been placed to Macy 's. That's 5 separate attempts to have them correct an unjust error. They have yet to respond to my correspondence nor provide a conclusive evidence that this late payment is justified. 

I have informed them as a victim of bank fraud my accounts were temporarily frozen until it got sorted out, this caused a delay in the Macy 's payment. They are unwilling to look at the facts or provide a written justification for this late payment. I have impeccable credit history and Macy 's is ruining my ability to obtain favorable credit terms, causing sleepless nights, aggravation, stress, and inability to secure mortgage funding. Credit reporting has to be 100 % accurate and representative of a consumers ability to pay, and the late payment reporting does not accurately sum up the entire story of what happened. It simply reads I missed a payment when in fact, the payment was made but was compromised due to bank fraud that was happening to my account. Macy 's never notified me that the payment was past due, even though they had 30 days to do so before damaging 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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}

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 2020-02-19
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not the responsible party for the debt on XXXX XXXX for {$1300.00} and XXXX XXXX for {$720.00}. I keep contacting the creditor asking for Valid proof that it was me on the claim that they have put on my credit ( XXXX XXXX ) & Im not having any luck. The legal definition of verification is to be able to support the truth of the data by affidavit, which they arent doing therefore they are engaging in fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have tried to resolve this problem with XXXX/XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- XXXX XXXX-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address when this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on 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 2023-08-02
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Up until XX/XX/XXXX, my VA-backed mortgage and escrow with PENNYMAC was XXXX XXXX. In XX/XX/XXXX while I was XXXX, PENNYMAC claimed that all of my insurance ( condo, home owners and flood ) had expired and as fiduciary and lender, insured me in such a way that my mortgage and escrow ballooned to $ XXXX. I called them, objected to the outrageous amounts and was told that my monthly cost would continue to be at this high rate despite me showing that I had other insurance. I was overseas and outraged at this criminally usurious rate but could do little from where I was, out of the country. When I returned, I sent them my condo associations documents ( in which insurance is always in place given residents are the condo board where I live and have never let it lapse ), XXXX documents showing coverage of both my home and for floods and they took a long time to acknowledge all of them, much less process them. While PENNYMAC finally decided to acknowledge XXXX home owners insurance in early XX/XX/XXXX, they would not accept the XXXX flood insurance policy until XX/XX/XXXX despite XXXX willingness to cover me for home and flood simultaneously. In addition, they waited until just a few days ago this month to accept my condo associations insurance as well, trying to draw out their usurious monthly rate until XXXX and beyond. Despite my text messages showing they had all of this information in XXXX and could have lowered my monthly bill for mortgage and escrow back to {$4000.00}, they are still charging me the usurious rate of $ XXXX that I can ill afford. I am effectively being charged double for the same insurance with PENNYMAC pocketing the difference. To even pay them this added fee for insurance, I have had to stop paying into my XXXX ( the XXXX  ) for retirement. They should have a fiduciary responsibility to ensure I am covered, but not by seeing what else they can eke out of me and for how long. I am concerned that they will continue to charge me this {$4900.00} despite my showing proof of insurance in XXXX and beyond. I can not afford to continue to pay this high amount, fronting them $ XXXX and have a semblance of retirement on the horizon. I seek immediate relief and to have my insurance instituted and associated fees due and owing remitted to me.

Company response to consumer: Closed with explanation