BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit 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 announced midyear changes to the benefits provided through its Hilton Honors Surpass American Express card- namely, that the Priority XXXX XXXX XXXX XXXX will be going away, midyear. I found this particularly frustrating, given that I've already paid for the benefit for the account year through paying for the {$95.00} cardmember fee. I wrote to American Express to express my frustration and got a form letter back in the mail asking me to call a toll-free number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-03
Company: Self Financial Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/XXXX the company Self Lender Inc furnished a XXXX late payment on my consumer report outside of compliance of the fair credit reporting act. Self Lender Inc. Account Number : XXXX Fair Credit Reporting Act XXXX5 U.S Code 1681a ( 2 ) ( a ) ( i ) Definitions ; rules of construction ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s3 of this title, any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I reached out to Self on XX/XX/XXXX telling them that the transactional history between me the consumer and the person Self Lender is not supposed to be reported. They also failed to give me the disclosure on how to opt out of having my info shared with other persons. 

They ignored my letters twice. When I reported to the CFPB only then did they respond denying my request to delete the late payment. I showed them proof and I was treated poorly. In fact, after our communication when I reported the incident to the CFPB they closed my account. On XX/XX/XXXX, I sent a follow up letter pointing out their discrimination against me because I was using the law in good faith since the info they reported is negatively impacting my livelihood and hindering my ability to obtain credit. 

15 U.S. Code 1691 ( a ) ( 3 ) - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Self Lender Inc. Once again ignored the letter I sent certified mail return receipt. They received my letter XX/XX/XXXX and yet no correspondence. I am asking for your help that the law be enforced and that the late payment being furnished on my credit report be deleted and updated to Ok or paid as agreed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was referred for closure XX/XX/21 I was told it would be 60 days or less via chat and a check would be mailed for whats in my account. However last time I called they could give me no answers and stated that they would be disconnecting the call and hung up. He said this when I told him my account was being referred to be closed on XX/XX/21. When I check in XXXX a rep on chat told me I should be expecting a check early XXXX at the latest. When I spoke to the gentleman today who hung up on me he said account is being referred for closure you can expect a check in 60 days when I questioned its almost been 60 days and nothing again hung up on. Ive verified my identity account # that there was no suspicious activity on the account being referred for closure. I just want some clear answers. My friend who is an attorney assistant suggested I get a pro bono attorney to get some answers. I dont I understand why I would need to do that. Ive filed a complaint with you all before after this happened and there response was 60 days from the referral to be closed I could expect a check at the address on file. And clearly nothing and no answers. 

Citibanks previous response to my last claim should be on file with you all as well. I have attached screen shots of the texts as well.

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 2023-03-26
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I bought a new car when I was trying to swap the car Tag ( XXXX ) for the new one, the car dealer told me the car Tag has a toll debt of + {$800.00}, and for this reason, they gave a temporary tag, meanwhile, I will pay the total amount of tolls debt. 
On that day, XX/XX/XXXX, I paid the amount {$410.00}. 
On XX/XX/XXXX, I paid the amount of {$400.00} and {$60.00} the same day. 
I sent an e-mail to the car dealer agency to make the process for the car tag ( XXXX ) and then I received the new car registration with the same TAG number on XX/XX/XXXX. Actually, change the registration name to my Sister-in-law XXXX XXXX, because she was using the car. 
All these payments I did it using the XXXX app. 
On XX/XX/XXXX, the Florida Department of Transportation ( FDOT ), send me an invoice for {$490.00}, they said this amount is for the toll-by-plate before XX/XX/XXXX, and I have a due date on XXXX XXXX XXXX. 
On XXXX XXXX XXXX, i received a debt collector, for an amount of {$460.00} due an unpaid tolls with FDOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX to verify this information with Discover Card services. 

I am also asking XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I send my payments every month on time with {$220.00} extra towards the principal. The payments take over a week to post correctly on my account. Sometime causing a late payment. I started sending payments with tracking numbers, so I can see when they received payments. It always get there a week prior to posting. They do it on purpose so they can hold my money without posting on account for up to a week. I have to spend hours on the phone trying to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XX/XX/2021 I was hit with a late payment from XXXX XXXX  on a student loan. I have had autopayment on for this account since its creation. I had 18 months of autopay that didnt have a single late in all of that time. XXXX came around and for some reason this autopayment was shutoff. At the end of the month I was called by a collection company requesting this now 30 day late payment. After receiving this call I was in shock since this was always on autopay. I called XXXX XXXX  to ask why the autopay was turned off, instead of getting any help on the situation the customer service rep just stated that I needed to be more careful and keep an eye on the account. I stated that the minute I was made aware of this issue I sent the payment in within minutes however they stated removing this late would be lying to the credit reporting agencies and that nothing could be done.

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 2021-07-29
Company: Merchants' Credit Guide Company
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: JPMORGAN CHASE & CO.
State: ME
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: Billing dispute for services

Complaint:
As of XX/XX/2022 - I noticed and reached out to JP Chase Morgan as there is a credit card listed on my credit report totaling {$5300.00}. I never opened this account, nor do I have access to it. This account was opened by way of fraudulence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
The dealership violated several rights from the consumer law. They heisted my information and put me in a contract with a third party. They failed to provide written notice of the right to rescind and they also failed to provide insurance. Last but least, They charged me for a down payment with a finance charge.

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 2023-01-04
Company: EQUIFAX, INC.
State: IL
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:
At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops. 

Equifax, XXXX XXXX, and XXXX  are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again equifax, XXXX XXXX, or XXXX and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


XXXX XXXX : XXXX XXXX  XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Their investigation did not fix an error on your report

Complaint:
I had a account with XXXX  XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/201XXXX XXXX XXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete

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 2021-04-16
Company: National Credit Adjusters, LLC
State: CA
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 dispute a collection on my credit report with XXXX I wanted the collection removed from my credit report because it was paid. I had requested several other collections removed as well and XXXX removed them with no problem. Now I have the last collection that I have paid and wanted removed and XXXX will not remove it and they do not give a reason to way it is still on my credit report. I have requested several times and now someone who works in the dispute department has put a block so I can not dispute the collection with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to XXXX, tansunion, and equitable on many occasions in regards to my Bank of America account. All of them are showing a different story. XXXX is showing that I have not paid in over a year. I have been making payments of XXXX dollars since I was forced to. XXXX dollar charge does not Belong to myself. For XX/XX/2021 I have been file complaints with XXXX and the other two credit bureaus on many occasions. XXXX is not following through and investing at all. They come back and say the bank agrees that I never paid. I file a report stating there was a charge with serloq collection agency for XXXX nothing was done and also my payment history is not correct. I also made a phone call three weeks ago as well. This is putting a lot on me I have been fighting this for about 2 years

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 2022-03-06
Company: Experian Information Solutions Inc.
State: IN
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 contacted Experian, XXXX and XXXX to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX  collections company. Any account with XXXX was merged with XXXX, I currently have my plan with 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 2023-04-11
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had a checking account with Citi for over 40 years. In XX/XX/2022, I mailed a personal check for {$93.00} to the water company but it was stolen out of the mail. 

That check was washed and the amount was changed to {$5600.00} and the recipient was changed to the name of a lady. The check was then cashed and, despite how clearly fraudulent the check appeared, Citi mistakenly paid out that larger amount and took those funds from my checking account. 

I immediately notified Citi and have been trying for EIGHT months to get back those stolen funds. I have a copy of the washed check and it is a mystery how it could possibly have been considered authentic. How could their electronic fraud detection system not have flagged the check as questionable? 

I have spoken with their representatives innumerable times. I have filled out forms and affidavits repeatedly. I have sent copies of the washed check, information I found online about the lady who cashed the check, and whatever other information they have requested. They have filled out new case numbers again and again - and nothing has happened. 

They are claiming that they are waiting for some paperwork back from the XXXX XXXX XXXXXXXX, where the check was apparently cashed. But they have told me that repeatedly since about XX/XX/2022. 

I have asked my branch bank representative if he could help ; he says no. I have written emails to the executive offices repeatedly. They have connected me to the Citi Executive Response Team, with which I have spoken repeatedly. 

This process is stuck. It has been eight months. What can I do to resolve this situation and get back that {$5600.00}? 

It is shocking that Citi would delay that repayment. What would happen if I were someone who needed those funds to pay my rent?? 

There must be some steps I can take to resolve this issue. Thank you so much for any suggestions you might have. 

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