BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: AMERICAN EXPRESS COMPANY
State: MN
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 American Express XXXX XXXX XXXX credit card in XX/XX/2021, which came with unsolicited e-mails regarding credit card offers and enrollment in their credit monitoring product. In XX/XX/2021, American Express canceled my credit card account, at their discretion, when my authorized user on the account used abusive language on a phone call to American Express customer service. Despite the account being canceled by American Express, and not me, I continued to receive special e-mail offers and e-mails related to their credit monitoring tool, none of which I was able to use because my account had been canceled and closed by American Express for a reason that did not directly involve me personally. There are no " unsubscribe '' links available in the e-mails to stop these unwanted and unsolicited e-mails from being sent to me. I attempted to log-in to my closed account, and because my account was obviously closed and inactive, I was unable to log in and change e-mail preference to state that I did not want to receive any further marketing e-mails from American Express XXXX As you will note in the attached e-mails, these unsolicited and unwanted marketing e-mails were sent AFTER my account was closed by American Express. As a result, I have had absolutely no way to stop receiving these communications, and American Express does not provide any opt-out link in the e-mails themselves. I believe that American Express is using unfair, abusive and deceptive marketing practices in their e-mails to me : they are sending me unwanted and unsolicited communication regarding an account that was closed, and I have no way to remove or unsubscribe myself from their communications. American Express should have policies and procedures in place to ensure that former customers are not sent harassing, deceptive, unfair and abusive marketing e-mails with no way to remove oneself from them. Furthermore, I have tried to resolve the issue of these e-mails with American Express directly, and none of their customer service representatives has any clue who would handle such an issue. In the end, I'm stuck receiving abusive, deceptive, unfair and unsolicited marketing e-mails that may potentially contain the misuse of my personal and confidential information on my closed account. All relevant documentation showing that these communications were received AFTER my account was canceled by American Express are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: GFS II, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had problems with XXXX and XXXX at XXXX in regards to collection efforts and unfair practices. XXXX released private/confidential information on my mother 's voice mail box regarding my account. XXXX has been less than cooperative in assisting me with getting my account on track. I was making additional payment amounts higher than the regular payment. They don't go by month, they go by days and count payments bi-weekly versus monthly as most companies do. This company is like a pay day loan when it comes to auto loans. I wish I had known all of this prior to getting involved in this loan. I was pressured at the dealership and rushed to signing papers that I was unable to read quick enough ( dealership scheduled signing right before close and rushed me through ). I had no idea I was signing for bi-weekly payments. I thought the {$170.00} was a monthly payment which would be reasonable for the price, year, mileage, and value of the vehicle. Before I knew it was signed into bi-weekly payments of {$170.00} that I could not afford. We have had job losses ( other signer who drives the vehicle ) and they have acted as a payday loan on this loan. I believe the dealership ( XXXX XXXX ) and XXXX are tricking customers into signing into these unaffordable loans and then repossessing when the customer has already paid more than the vehicle is worth. This is where they are earning their money. They don't care about the customer keeping their vehicle. They are quick to repossess to earn more money. They repossessed the truck last night following my CFPB complaint last week on the breach of privacy and unfair collection practices last week. This should be considered and viewed as retaliation for my complaint as I even put in the complaint that I will be paying the loan on XX/XX/23 with my yearly bonus from my company. They were very swift in repossessing right after the complaint with no indication that they were going to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, Wells Fargo was contacted to let them know about unauthorized transactions on my credit card. They opened up a dispute and on XX/XX/XXXX, they denied to resolve the claim in my favor. With advertisements that state " you are not responsible for any unauthorized purchases made on your card '' it is misleading to the customer that the bank will protect the interests of the cardholder in the event the card is used for an unauthorized transaction. 

The following transactions are the ones that WellsFargo has refused to resolve : XXXX XXXX XXXX CA XXXX, $ XXXXClaim NumberXXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount XXXX $ 414.89Claim Number,XXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXXXXXAmount, $ XXXXClaim NumberXXXXStatus : Closed - Dispute Declined Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Transaction, XXXX XXXX XXXX CA XXXXAmount, $ XXXXClaim Number,XXXXStatus : Temporary Credit Anyone with eyes can see that this is suspicious activity. I have had this card for over a year and I make purchases all the time with it. It is not difficult to see a customer 's spending habits, where they spend, how much they spend etc etc. Needless to say, this spending is unusual and should have been flagged by their fraud prevention team. 

The reason for denial is because I have made purchases with this merchant before. ANYONE who has ANY XXXX products, will have made a purchase with XXXX. But i spend $ XXXX/mo on subscriptions. Not {$2500.00}!

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 2018-08-22
Company: Pacific Union Financial, LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Tuesday XX/XX/2018 I was sitting at my desk at work. I received a call on my cell phone at XXXX, no message left. Then my work line received a phone call. I picked it up an hung it up because, I advised Pacific Union Financial the only number to contact me is XXXX and my work line is a recorded line. He then in turned called back again. I work in a call center, I can't pick up the phone. While I understand that I am behind. I find this harassing. I had to place my caller on hold. I picked up the phone and advised him that he isn't authorized to call this number and hung up, because I was at work. He then called my cell number again and left a message. I understand that I owe a debt and I am behind. but this behavior is excessive and harassing. I reached out at lunch time to contact the mortgage company and advised them that I was filing a complaint with the CFPB. The representative that contacted me was XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
TransUnion XXXXsnt removing a fraudulent account off my credit report and other two agencies XXXX and XXXX already blocked this account on my credit report and send the notification to TransUnion few months ago and I send in a valid FTC report to TransUnion and the refuse to block this account which is XXXX XXXX XXXX XXXX XXXX also know as XXXX bank account number XXXX This is identity theft

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 2023-08-11
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: Information belongs to someone else

Complaint:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified 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 non-monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EAST WEST BANK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a business account with East West Bank in the first half of XXXX. The account received several remittances from the United States in XXXX and XX/XX/XXXX. All remittances were deposited into this account, and then in XX/XX/XXXX East West Bank emailed me to inform me of several remittances that the sender believed to have received fraudulent requests for refunds. My account was frozen and I received an email from East West Bank in XX/XX/XXXX describing that the funds would be refunded to the sender if I could not provide further evidence. I have some documents but the bank does not accept the documents as fully compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting is affecting my report tremendously! I have disputed and reached out to Equifax several times to fix this issue and they have not been any help. This account is reporting on my report twice, this account was paid in full and closed, YET Equifax is allowing XXXX XXXX XXXX XXXX report an account that was paid in closed 5 years ago STILL report on my report monthly!!!! This account was never 120 days late. Equfax has not been helpful when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! They are refusing to take the time and do the work. 

I took out a loan with XXXX XXXX some years back on a car that I had already owned! A XXXX XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX  XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notice from US Bank that a credit card was opened in my name on XX/XX/2021. They reported that it may have been a fraudulent account. I contacted them and they informed me that the account was closed on XX/XX/2021. An address in XXXX, PA was listed as " my '' address on the application, and this is not my correct address. I did not try to open this account. US Bank confirmed that the account was closed, and I contacted the credit bureaus to put a fraud alert on my account.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-16
Company: EQUIFAX, 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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  XXXX Last reported XX/XX/2020 {$3700.00} Reported balance Credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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 2022-08-12
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
This account is inaccurate and incomplete and still appears on my credit report. 

Inaccurate Date of Last Active, while the Date of Last Payment is missing on the report. if this is a charge-off account then why there is a balance reported on this account? 

I have previously filed numerous disputes against this account, yet it still indicates that the account is not disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed 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 non-monetary relief