BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: AMERICAN EXPRESS COMPANY
State: OH
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/2019 I was the victim of theft.  Among other things that were taken from my car, were my wallet/ phone case that contained my American Express Serve card.  The aforementioned incident occurred around XXXX   XXXX.  On XX/XX/2019 after the aforementioned incident occurred American Express Serve was contacted about the theft of said cards.  (In fact numerous calls were made to American Express Serve, due to the fact that they automatic answering services would not allow me to be conected without knowing my card number (ie the one that was stolen.  A live rep was eventually reached and the card was reported stolen.  Subsequent charges occurred on XX/XX/2019 and thereafter on the card that was reported stolen on XX/XX/2019.  American Express is liable for any fraudulent charges that are incurred on the card after it is reported stolen.  This is according to Reg. E and their own membership agreement clause 14.  American Express Serve asked me to submit "disputes" for said charge for which they eventually denied twice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.

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 2018-12-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had Chase credit card that mothly payment charged me XXXX $ of which XXXX $ was interest only.After a year I had with a help of my husband paid off card in full which was a balance paid in full as of a last statement in XXXX.I loged in to check my balance which I thought was XXXX but Chase had charged me XXXX $ again as a balance.I think this is wrong because I paid off what my cutent balance was.I called chase and got nothing .I am not anfirst person that they did this to.That is a lits if money to us but not to Chase. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: CA
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:
Equifax has reported me as deceased they are a bunch of idiots I am very much alive this problem needs to be rectified now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : File number XXXX I am writing to show a paper trail and to report the continuance of the violation of my consumer rights. I submitted a previous complaint " XXXX. '' Your company opened a dispute and closed it within 7 days. '' Transunion you are in violation of 15 U.SC. 1681i ( 5 ) ( i ) which prohibits you to report an item without validation of the item. If you don't have proof, you must delete. 

I received a letter that if I have additional proof from the courthouse, then provide the documents. Well, I did, and you and you ignored my letter and documents. You keep treating the documents and letter as a new dispute. 

attached is the letter from the courthouse, proof of identity, and the letter. 
also proof that XXXX and XXXX removed the public record from their records. All 3 companies follow the same laws in accordance with the ( FCRA ) Fair Credit Reporting Act. How are you still able to validate the public record and there is proof from the courthouse, along with proof that the other credit reporting agencies was unable to verify the 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 non-monetary relief
Consumer complaint received 2021-03-28
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:
This account has been reporting on my credit report each month and the account has been closed and removed from my credit report months ago. For some reason its back on my report and they company is still reporting like account is open. Once item has been removed from credit report it cant be placed back on my report unless you send me proper documentation. I haven't received any documentation. I was in a car accident and the insurance company paid the car off and XXXX received the check and cashed it. Please remove this negative account as its in violation and can be litigated due to the violation. 

XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Credit Karma, LLC
State: MO
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:
Credit Karma promised pre approval with excellent odds of approval when I was denied for said credit cards. The resulting applications ended up hurting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: CITIBANK, N.A.
State: KS
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:
Accent Ending : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX SSN : XXXX I disputed a transaction for XXXX {$180.00} which posted on XX/XX/20. My travel plans had to be cancelled due to Covid travel restrictions which should have resulted in a full refund according to the XXXX website refund information. When only a partial refund of {$83.00} was issued, I contacted my credit card company, Citi Cards, to begin the transaction dispute process regarding the additional {$100.00}. 

Citi Card began an investigation and on XX/XX/20 I received an electronic document indicating that Citi had been in correspondence with XXXX which resulted in them confirming that I was due an additional refund of {$100.00}, for which they had already begun to refund process. Citi stated 'If the new credit is not posted, we will reopen the investigation and continue working on your behalf to resolve the issue '. 

On XX/XX/20, after receiving no additional credit from XXXX and no additional information from Citi Card regarding their monitoring of the account or situation, I contacted them to inquire about the status of my dispute. I explained the correspondence I received and the commitment Citi had made to proactively monitor the account for the credit XXXX had confirmed with THEM was still due for the account. The agent was polite and kind and asked that I give it a little more time for them to work on it. 

Now I have received an electronic document XX/XX/20 that states the dispute was found 'not in my favor ' due to my correspondence being received after the requested response date. However, I do not see where anything was requested which was not provided. 

It is my opinion that I received this generic decline letter due to a lack of investigation regarding my case and a failure in due diligence to monitor my account as was promised in the XXXX correspondence. 

When I called in XXXX it was not to open a new dispute but rather to follow up on a dispute which was not being attended to by the credit card issuer. Additionally, the fact that I am only now receiving a notice of resolution indicates that my case was not resolved within the predetermined guidelines for billing disputes. 

I have been and continue to be, an exceptional customer. That being said, I expect exceptional service and have not until now had reason to feel that I was getting less than that from Citibank. I am requesting that this matter be re-reviewed and the {$100.00} credit be issued by Citi due to the company failing to follow up with the credit from XXXX. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-08-30
Company: GreenSky, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX of 2020, I received an email stating my automatic payment did not go through and it was due that day. So I got online and made a manual payment. A few days later, I noticed it was taken out of my bank twice and paid twice to the company. I reached out by email and due to the pandemic, I needed to call but there were horrendous long waits. In may I did an online dispute with my bank and they agreed with me and refunded my money. In the mean time my loan was considered late as this payment was removed from there system. I called and reached out to them and even spoke with a supervisor. I finally got a case number and asked them to reach out to my cell phone. No one has called except for collections. I finally got an email and wrote back to the lady with no response. I got a collection letter stating they were going to turn me over to a collection agency. I printed out all my documentation ( 20 pages or so ) and sent to the attorneys office listed on the letter. I sent it certified return receipt. No response. I finally wrote the lady again with my case number and to the service department and waited a week with no response. I'm still getting collection calls on my home phone! I have since been charged every month with a different late fee. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SLM CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi there, I am writing this again based on reference number XXXX. My name is XXXX XXXX and it is regarding the same case. I would like to know what is the status or anything has been done abou it. We are been treated with so much disrespect because of our skin XXXX. I just got off the phone with XXXX at XXXX on XX/XX/20 and i asked them if they can send the card and I was told that they need to verify our address and my question is on XX/XX/20, I received a letter from sallie mae saying we are investigating about this issue and they sent a letter from them. If they arent sure about my address then why did they send a letter. They have all the information, why are they picking on us? Why discriminating? What did we do to them? I need answers? They keep taking money from my wifes account and she isnt on the record for past 1 and 1/2 years? Is that legal? If you really concerned then why don't you verify that first? We need answers.

thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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 am intrested in disuputing all incorrect information on my credit report with Experian. checking my file alot of data is invalid an is hindering m file. I'm intrested in updating all data to clear my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank : Citibank Customer Name : XXXX XXXX XXXX XXXX Checking Account Number : XXXX Savings Account Number : XXXX Complaint : Violation of Promotion XXXX Summary : Citibank violated its terms and conditions of Promotion XXXX. Citibank promoted a {$400.00} cash bonus offer for new bank customers who open a checking and savings account with a minimum deposit of {$15000.00} and maintain a minimum balance of {$15000.00} for 60 consecutive calendar days. 

I opened the designated accounts and deposited {$15000.00} funds on XX/XX/2018. I met all the requirements for the {$400.00} cash bonus offer. After about 3 months, Citibank had not deposited the {$400.00} cash bonus to my account. On XX/XX/XXXX, I called Citibank to inquire about the cash bonus and was reassured by bank representative that the bonus would be deposited soon. I asked about closing my savings accounts and was told closing my savings account would not jeopardize the cash bonus offer. I proceeded to close my savings account. 

After waiting longer, I inquired with a Citibank branch about the cash offer. I received a letter date XX/XX/2018 that states I did not qualify for the cash bonus offer because I closed the savings account. 

I feel Citibanks action is deceptive. My accounts and deposit met the conditions of the promotion in the published time frame. I followed the guidance of the Citibank representative to close my savings account. 

Desired Resolution : Citibank honor its promotion and deposit {$400.00} to 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 monetary relief
Consumer complaint received 2018-10-31
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email from my payroll dept regarding a wage garnishment. The company Biltt and Gaines, P.C.  located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: United Shore Financial Services, LLC
State: TX
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:
On XX/XX/XXXX  I logged into my UWM account to check my escrow balance and was shocked to find that it showed I was 38 days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 account # XXXX has violated my rights. 15 U.S.C. 1681 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 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 non-monetary relief
Consumer complaint received 2020-10-19
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against  XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information 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 2018-10-31
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently filed bankruptcy stop the property foreclosure sale of my home. 
My Bankruptcy has been dismissed and I recently submitted financials and request for mortgage modification again. Regions bank has given me a hard time with my request for mortgage assistance. Regions has informed me last week they would not review my file because I was on XXXX. I did provide the requested documents I don't want to lose my house to foreclosure. Received a letter in the mail from the XXXX XXXX  XXXX Regions foreclosure attorney stating there is a property foreclosure sale set for my home XX/XX/2018. The letter is dated XX/XX/2018 the Tennessee law states the homeowner is to be given 30 day notice before the property sale date. I didn't receive this notice 30 days before the sale date. I feel I'm being discriminated and not being treated fairly. see attachment

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 2018-02-06
Company: Experian Information Solutions 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:
Experian Credit Bureau continues to have fraudulent information/accounts on my credit report. I have disputed these accounts several times and their re-investigation process is against the law. They refuse to re-dispute after an account is verified as accurate and even goes so far as to call the claim frivolous. I have had these accounts verified and removed by XXXX and XXXX   after being deemed fraudulent : 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 explanation