BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for an AMEX Starwood Preferred Guest Business Card on XX/XX/XXXX ( credit card number ending in XXXX ). The card had a welcome bonus offer of XXXX SPG points if {$6000.00} was spent on the card within 90 days of account opening and an additional XXXX SPG points if {$10000.00} was spent within 6 months ( for a maximum welcome bonus of XXXX points ). I met the {$6000.00} spend requirement for the first XXXX points inXX/XX/XXXX, but I was never credited the XXXX points I had earned. I contacted AMEX in XX/XX/XXXX inquiring about the points and was advised that I had earned the points and that my account would be credited shortly. I also hit {$10000.00} in spend within the 6 month requirement and I have not been credited for the additional XXXX point bonus either. Actually, none of the XXXX welcome bonus points that I earned by meeting the spend requirements has been credited to my account. I have contacted AMEX repeatedly for more than 5 months and I have been told they still are investigating the matter and as of today they still can not give me an answer. I started saving copies of our online chats afterXX/XX/XXXX which I will attach for your review. I no longer have any confidence that AMEX will ever take care of the problem after more than 5 months trying to resolve it with them directly. Any assistance you can provide will greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: DE
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 following companies have violated my rights. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that a consumer has 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX of XXXX, I shopped around for a mortgage at several institutions and went with XXXX Mortgage who mortgaged my home. 

I was told by every institution who ran my credit that I could mortgage shop to a maximum of five credit runs with no issue and that once I was mortgaged the other four credit checks would be removed and only the one for XXXX  Mortgage ( done through XXXX XXXX  ) would remain. This process started in XX/XX/XXXX and we closed on our home in XX/XX/XXXX. 

I want the four remaining credit checks removed : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX MORTGAGE XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX MORTGAGE SERVICES XXXX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX  I contacted XXXX, XXXX and TransUnion to have them removed and nothing has been done at this point.

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 2019-11-18
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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my  personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2023-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  XX/XX/2023

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 2022-04-23
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a HELOC loan through Golden 1 in late XXXX. I was conditionally approved, and then was told that they were using 1 % of my XXXX  loan debt to calculate my income to debt ratio. They indicated that I needed to obtain a letter from my student loan company which explicitly states that I am on an income based repayment plan, and what my payment would be once the federal pause is over. I obtained this letter and they again denied the loan, stating that they do not accept income based repayments.

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 2022-01-08
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( Enhanced Recovery Company ) at ( XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ) has been sending me collection notices in the amount of ( {$130.00} ) the collection opened XX/XX/2021 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NJ
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 ( FCRA ) -- > XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a Fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602 A. Section 2 consumer reporting agency can not furnish my account without my written instructions.

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 2021-05-29
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company had not paid my XXXX taxes even though we have paid on time and can see all of the money is sitting in escrow. Its a little over {$3000.00}. I have called repeatedly and told them if it is not paid by XX/XX/XXXX a lean will be put on my home and my credit score will be impacted. They said they most likely will not be paying the late taxes by that date and they can not speed up the process. I checked today XX/XX/XXXX and it is still not paid. So now I will be impacted for them not doing their job. If it is not taken care of in XXXX they can put our house up for sale.

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 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close a Bank of America business checking account ending in XXXX in the name of XXXX XXXX XXXX XXXX. I am the president of this company and have returned a signature card in the spring of this year reflecting such. 

I visited a branch of Bank of America on XX/XX/XXXX only to be told my request could be handled on the phone. I called the call center via the Bank of America app, on which I had authenticated ( and was allowed to transfer funds in and out, pay bills via billpay, and do other normal banking tasks ), and was denied the ability to close the account because the rep said " needed documentation hadn't been uploaded '' and that I would have to visit a branch with my ID to close this account. When I mentioned I had already visited a branch and the branch personnel had directed me to call, the representative, while polite, indicated there was nothing she could do. 

This account charges a XXXX XXXX  monthly fee and I was trying to close the account before the next fee would be charged so as to avoid it. I pointed out this to the rep, who said she would " notate '' my account so that when the next fee posted, it could be reviewed, but that she was unable to guarantee it would be refunded. 

I have a feeling this was a ploy to keep the account open so that more fees could be charged. A customer calling in, authenticated, via the bank 's own app should be able to close an account to stop further charges. At it stands I have visited a branch and called and still can not get Bank of America to close this account. How am I supposed to stop being a customer? 

RESOLUTION REQUESTED : Close the checking account ending in XXXX and refund any fees that post on or after XX/XX/XXXX, as I was prevented twice from closing the account before any fees would be incurred.

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 2022-12-31
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
We are possibly looking to buy a different house. We went to a mortgage company to start the process. They did a " soft pull '' with the credit bureaus. This, I was told, was not supposed to trigger the credit bureaus. The very next day, one phone received almost 30 calls from mortgage companies and others. It has now been a couple of weeks and we are still receiving between 10 to 20 calls a day depending on the day. This is of course EXTREMELY disruptive. Especially when one uses the phone for work and is going to get calls from unknown numbers for work, one can't just ignore the phone. 

We don't have a choice that these companies gather info on us. Why should they be able to do this to us? 20 phone calls a day is an invasion of privacy. 

Help! What can we do to stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX. XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around the end of XXXX and beginning of XXXX, XXXX. Our mortgage company, Wells Fargo contacted me about a program they were offering due to Covid and that if we were current on our mortgage that we would qualify for the program offered by Wells Fargo and the government ( it was stated many times that THE LOAN MUST BE CURRENT TO QUALIFY ). I talked to my wife and yes we decided to try it out because I had been laid off work but would only be out of work until Covid was under control. We did qualify which means we were current on loan. I agreed over the phone and they took all my information over the phone and they told me that no payments would have to be paid and I would be reviewed by Wells Fargo every six months. I was then told that when I was able to go back to work, I would pick up like I never missed one payment and return to making my house payments. On top of Covid, the owner and boss where I was employed, XXXX XXXX. I was thankful that this program had been offered, I ended up being without work for 18 months. I then called Wells Fargo to let them know that I was ready and capable of making my mortgage payment. I got the surprise of my life and was talked to like I was trash that did not make their mortgage payments. She said that I was in default and I would be getting foreclosure papers by mail. She said that I was one payment behind when I agreed to the program. I told her that I could not have qualified if I was behind and she started laughing and said to keep my house I needed to come up with {$14000.00} and she knew I would not have that if I could not even pay my mortgage payments and I only had a 2 days to pay this. We were at a loss and we live in Oklahoma and the closest Wells Fargo was in Texas ( 6 hour drive round trip ). She was correct, we did not have that kind of money laying around so my wife called her parents and I called my brother, and we borrowed the money to pay that amount. We could not be homeless after living in our home for 20 years. Now we are making 3 payments, 1 to Wells Fargo, 2 to my in-laws and 3 to my brother. Wells Fargo took advantage of me and my wife and lied about a program that if I was behind on mortgage, that I absolutely would not even qualify for.

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 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors.

Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to 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
Consumer complaint received 2020-02-01
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a XXXX account that i have no knowledge of. Diversified consultant now has this account i have sent letters via certified mail to formally dispute claim and ask for validation that is competent evidence bearing my signature showing that i have or ever had some contractual obligation to sprint which was signed for on XX/XX/19 and a second letter sign for on XX/XX/19 by diversified consultant. As a result this debt is listed on my credit report 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
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 never open any accounts i have been XXXX for some time XXXX XXXX XXXX Account number XXXX XXXX XXXX Account. Number 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 2023-09-26
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV has placed a debt on my credit that I paid XXXX XXXX XXXX for {$760.00}. I paid XXXX this amount on XX/XX/XXXX. I provided LVNV a letter from XXXX stating that the debt was paid, I also sent proof of payment from my bank statement. I emailed the info on XX/XX/XXXX and faxed the proof on XX/XX/XXXX. I have also called on 3 separate occasions. However, LVNV is stating they dont have enough info to remove the debt. LVNV bought the debt from XXXX who bought the debt from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a Treasury Enterprise Plan business account with PNC Bank in XX/XX/XXXX. During the period, there was a promotion running where it stated that I needed to open the account between XXXX and XX/XX/XXXX, deposit {$30000.00} in funds and maintain the balance for 3 billing cycles to get a {$500.00} welcome bonus. It is now XX/XX/XXXX and I still have the {$30000.00} in the account and no bonus has been paid. When I contact the bank, there is a lack of respnse back while they " look '' at it. I also was given a phone number for someone in retail banking support and when I call they never answer and voicemails are returned but with weeks in between. The local branch manager has been someone I have talked to and he is trying to nickel and dime with with the fine print even though he has not read the fine print and coming to me with items that are not listed for the Treasury Enterprise Plan business account such as transaction requirements. I have attached the terms email that PNC Bank sent me back on XX/XX/XXXX. This account is opened as a sole proprietorship and I am doing business under my name and using my residential address.

Company response to consumer: Closed with explanation