BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed certified letters to all three CRA 's with a copy of my Drivers License that has my correct mailing address and they have yet to clear out the ones that I've never had or no longer receive mail at.

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 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued this American Express eGift Card ( details below ) through my employer on XX/XX/XXXX and began using it with no trouble on XX/XX/XXXX and made a subsequent XXXX separate purchases using the card through XXXX at a variety of different merchants -- grocery, restaurant, hardware stores, etc. 

Then, after XX/XX/XXXX, the card abruptly began declining every single time I tried using it. I attempted at least 20 different merchants, both in-store and online, and it declined 100 % of the time, including at retailers like XXXX XXXX 's XXXX the card had previously worked fine. I have a balance of {$660.00} left on the card, and I am effectively not able to use this money because it is not accepted at any single retailer either online or in store, regardless of whether billing details are needed by the merchant or not. 

Over the following 4 months I have called Amex 's customer support no fewer than 5 times and spent hours on the phone with representatives in XXXX who specifically told me that they had resolved any restrictions on my end and thus that it was the fault of the merchants, not AMEX, that the card was being declined. I told them about how the card has declined for me over XXXX times at all retailers online/in-store and they insisted that those declines were not showing up in their system and again insisted that it was my fault not there's. I've tried to have the issue escalated to their XXXX-based team because no supervisor has been helpful. They have REFUSED to migrate the balance of the card to another card or try troubleshooting in anyway, apart from XXXX different times telling me that they've fixed the issue on their end and to wait XXXX hours for the card to work fine again. It has never been fixed and I know they are lying to me to get me to stop calling. I have asked them the same question over and over again XXXX am I expected to use this card if it is not accepted at a single merchant? '. They have told me that this is my problem to fix on my own and not theirs. They have stopped responding to my customer service requests and never call back when they say they will. I do not believe that a final solution can be that Amex gets to keep my {$660.00} because their faulty gift cards are being flagged for suspicious activity and therefore accepted nowhere. 

I would like to add that dealing with Amex Gift Card 's customer service agents has been the most dehumanizing customer service experience of my life, and never before have I been scammed like this by a reputable company like American Express. Researching on the internet, it appears countless others have a similar experience. 


Card Number : XXXX Exp : XX/XX/XXXX Security : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX has been reporting on my credit report since XX/XX/2018. 
I have NEVER done any business with this company and I dont know who they are. 
I need for this inquiry to be completely deleted from my credit report immediately.

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 2024-01-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I purchased a home on XX/XX/2023 at XXXX XXXX Title XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
During the closing they collected {$2700.00} for my home owner 's insurance policy through XXXX XXXX. 
90 Days after closing I received a letter from XXXX saying the policy had been cancelled because they never received payment. 
On XX/XX/XXXX I followed up with Wells Fargo who instructed me to contact XXXX XXXX Title regarding the funds. 
On XX/XX/XXXX I contacted the XXXX XXXX Title which informed me that the check had not been cashed and they would reissue another to XXXX but I asked them to hold off until I spoke to my agent about the policy since I was certain it couldn't just be paid. XXXX XXXX sent me an image of a check but I have no proof they mailed the original to XXXX XXXX XXXX XXXX 
During the week of XX/XX/XXXX Upon reviewing the situation with my insurance Agent ( XXXX XXXX ) they informed me I would need to reapply for insurance with XXXX and would have to pay more for the lapse in coverage. The second quote was more than double. I contacted XXXX insurance mutliple times myself and was told they do not send letters or notices for non payment of new policies. 
In order to apply for new insurance I had to get a new XXXX inspection which cost me {$150.00}, and I used that to finally obtain a policy with XXXX XXXX XXXX for {$3300.00}, an increase of {$600.00}. Compounded over the life of my 30 year mortgage, I will pay an additional {$18000.00} for home owners insurance. 
Finally, Wells Fargo sent me a letter last week informing me they were going to charge me for {$1700.00} for the 4 months the home was not insured ( 90 days we thought we had insurance plus the 30 days it took me navigating this mess ). 
XXXX XXXX XXXX refuses to take responsibility for the funds not being dispersed. They eventually sent me the original {$2700.00} from the closing only after Wells Fargo instructed them to do so. I originally asked them to give me the difference in policies ( {$600.00} ) and they refused. 

Total loss right now for XXXX XXXX 's mistake is {$22000.00}. 

{$150.00} for new inspection {$18000.00} {$600.00} per year increase in insurance premiums, assumed compounded over 30 years {$1700.00} for lapse in coverage. 
{$2000.00} for my time ( conservatively XXXX hours )

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 2023-10-20
Company: WELLS FARGO & COMPANY
State: TX
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:
I opened Wells Fargo CHOICE PRIVILEGES MASTERCARD ( card number : XXXX ), and the welcome bouns was XXXX Choice Rewards points after spending {$1000.00} in 90 days after account opening. I reached this line but even after waiting for XXXX statements, I still do not see the welcome bouns. During this time period I made multiple calls to both Wells Fargo and XXXX XXXX, but they only asked me to wait and did nothing to help. So I launch this complaint.

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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made payment using my bill pay function on my Chase checking accout, The payment was made for {$160.00} on XX/XX/XXXX, payable to XXXX XXXX XXXX. 

On XX/XX/XXXX I received 5 emails from XXXX XXXX indicating my payment was declined. I looked at my Chase account and the activity showed the money being deducted and completed. 

I called XXXX XXXX on XX/XX/XXXX and they suggested I wait one more day.

So today the payment of {$160.00} has not been credited. 

I called Chase customer service and spoke to 5 separate customer service representatives. Each of them confirmed the transaction and said I would have to talk to someone else. I am now waiting for the 6th person to speak to. So far each representative said there's nothing they can do. 

This same thing happened last year with a payment of {$250.00} to XXXX XXXX XXXX ( local electric provider ). In that case, I couldn't get any help and I had to pay an additional {$250.00} out of my own pocket because Chase lost my money. I'm not willing to do that again, so that's why I'm asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My car was broken into on XX/XX/2023 my cell phone and debit cards where stolen .and my driver XXXX license. I reported to police as soon as I could but I didnt have a phone to use, when o them called capital one the first time they said they were not able to file a claim because it was after fours and nobody was available this happened 2 days in a row when I borrowed a phone to use. Then few days later when borrowing someone else s phone again I was able to file a claim however I spent over an hour on the phone only to be told that they would not process my claim due to me lacking iD verification or a recognized phone number. So now its well past 2 or 3 days. I finally borrowed money to pay for have an old phone of mine reconnected to my number and was able to call and activate my new card and regain access to all my accounts and check emails. This is when I learned that they had closed my account and denied my claim for aprox. {$1500.00} in fraudulent charges yet they had refunded almost {$200.00} in unauthorized charges on a separate claim they had had me file that day. This is. about the time I read a couple emails I hadnt been able to receive until I had got a new device to use, and saw them. There were several of them asking me to verify some suspicious charges that were from the XXXX around those dates, I didnt even see these emails until the 14 th aprox. Now I had escalated these claims to the bank they still followed thru with closing my account and saying In the notice they sent me that they are entitle to close accounts at any time for any reason. Then I as told over the phone by an agent that the charges had been in line with previous spending patterns and that they were infact valid and claim is now resolved. They also said they had caught lying because, I had said that nobody else knew my pin # and the pin had been used. However thats not what I had said, I had said the pin to my account was on and in my phone and my phone had been stolen my Email and bank accounts had, both had been compromised the thieves had changed my pin and passwords and well as. ThEn a few days more and I recieved a check for XXXX $ from my closed checking account and a notice stating claims were officially closed and blah blah blah this is XXXX situation is causing me extreme Stress and I have bills I cant pay, Im constantly in a state of worry over ever since this occured

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Moved to XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX. Prior to moving out I called XXXX XXXX XXXX XXXX XX/XX/XXXX requesting exit walk through as stated on lease. No response from the front office for a clearance. XX/XX/XXXX I was called and emailed with false accusations I damaged carpet and carpet had to be replaced. Also told if I did not pay for damages it will be placed on my credit report. XX/XX/XXXX I tried to inform XXXX XXXX XXXX XXXX did not damage carpet and proof images of carpet before I moved out. Front office told me it doesnt matter what proof I have, I will have to pay for damages. In addition, tried to resolve issues with XXXX XXXX XXXX XXXX management authorities. Next attempt help resolve issue was dispute credit with all 3 bureaus year XXXX and XXXX. As of today still no resolution. I am annoyed and overwhelmed because this is not my character and do not have a history of behavior accused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX  Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on MIDLAND CRED. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: TD BANK US HOLDING COMPANY
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:
Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the TD Bank Target with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I attempted to lift the freeze on my credit reports with Experian, XXXX and XXXX. I was able to lift the freeze immediately on the XXXX   and XXXX sites. Experian would not lift the freeze either online or on the phone, and gave me instructions for mailing in my request, supporting documents and payment. 

OnXX/XX/XXXXI mailed all the requested information and my check via USPS Priority Mail with tracking. USPS confirmed delivery of my letter to Experian on XX/XX/XXXX 

On XX/XX/XXXXI received a " Dispute Results '' letter from Experian dated XX/XX/XXXX presumably in response to my request. It states that " Your personal credit report already displays a security freeze ... If you submitted a check, it was not cashed ... '' I have tried again to lift the freeze via the web site and by phone, with the same result, that I am directed to mail in my information and payment. 

I have been unable to speak to any person about this, there is only a phone tree. 

I need to have the credit freeze temporarily lifted because I have to move. I am in danger of becoming homeless because Experian refuses to lift the freeze. I consider this situation very serious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It is impossible to get a hold of any customer service agents from this loan servicer. They placed my loans in administrative forbearance without any reason or documentation. They did this without notifying me or explaining why they did this. I applied for the SAVE IBR plan back in XXXX and have not heard anything back about this process or any updates about the status of my application. My loan continues to accrue interest while they ignore my phone calls and leave me in the dark about the status of my loans. this is absolutely unfair and ridiculous. Had they took action to approve my SAVE plan when i initially applied my loan would not be accruing interest for 3 months. Again, it is impossible to get a hold of a representative for EdFinancial.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-06
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had to file a previous complaint in order to even get XXXX to contact me. Once they finally contacted me I negotiated a settlement of debt. They have reported to the credit bureas that I made a payment and not that the debt has been settled. They are still reporting that a balance is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an Apple credit card account on XX/XX/2021. Apple never provided me with the Truth in Lending Disclosures in the correct tabular format. I am financing 2 items from their company. Pursuant to 12 CFR 1026.6 ( b ) ( 2 ) and 15 US Code 1632a, Apple has failed to disclose this information to me, the consumer. I have spoken to an agent via support through text messaging and she assured me that these disclosures can be accessed in the " terms and conditions '' in the " Wallet ''. After doing my own due diligence I have found no TILA disclosures under Apple 's terms and conditions. I have also reached out to Goldman Sachs, and they have also stated that the TILA disclosures can be found there as well. In addition to all of this, there is no option for the consumer to auto receive periodic statements through the post office mail for their account. The same agent told me that I would have to call or text them every month to get periodic statements mailed. So, I can't have physical periodic statements mailed to me, I have not been provided with required material disclosures, and those will not be mailed either. Apple is trying to collect on a debt that I was never informed properly about, never given the required disclosures to inform me about the use of credit or what amounts are being subject to the APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX date of inquiry ( XX/XX/2021 ), XXXX  date of inquiry ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my account in full for XXXX XXXX and XXXX and they agreed to remove it from my credit report but it is still on there as a collection and a charge off. Please help

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 2021-06-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am very disappointed that i looked on my consumer report and i saw that i have a bankruptcy showing on my report. As a naturally protected consumer this is a violation of my consumer rights. IF the bankruptcy is accurate i need you to validate it and prove it also have a senior officer from your office swear under the penalty of perjury that the bankruptcy is accurate and has been validated, I got denied a job opportunity because of the bankruptcy showing, my privacy has been violated and its deflamation of character if this issue is not resolved within 14 days i plan to take this matter into litigation and make sure i get compensated for not only the FCRA violation but also the emotional distress this has caused me i am losing sleep and depressed over this matter,

Company response to consumer: Closed with explanation