BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Been with AMEX since XXXX and signed up for a XXXX XXXX AMEX credit card back in XXXX. I have been very unhappy with the credit card and the fact that the rewards certificates expire so quickly - Also, not happy with nor told about annual fee! Called AMEX and told them to cancel my account & they said ok & goodby! - There is no customer service at all with AMEX anymore - Such a shame - I want the {$95.00} fee refunded to me along with interest in the amount of {$400.00} charged to me this year - They did not notify me that my 0 % promo rate had expired and now I audit my account and find out they have been charging me interest! Obviously other AMEX cardholders find the same thing happening to them and I found out that XXXX XXXX has discontinued its relationship with AMEX effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXXXXXX 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
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America alowed someone to open account in my name and take all my unemployment money over XXXX dollars

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 2023-08-16
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-10
Company: Experian Information Solutions Inc.
State: LA
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-04-26
Company: Guild Mortgage Company LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To : Guild Mortgage Company XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Department Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I find it despicable that I applied for a home loan with Guild Mortgage Company on or around XXXX XXXX, as you would know time is of the essence when buying a home. I sought out a loan of XXXX to XXXX and was made aware that I could not be approved but for only XXXX. I accepted the amount, however XXXX XXXX the loan officer I was working with became rude as if the amount hurt her more and wasnt enough for her to deal with and I was left hanging NO response at all. I have called and emailed several times asking for the approval letter for what I qualify for XXXX so I could proceed with looking for a home. I was able to find XXXX separate homes I liked in that range while waiting for a response. However, I was unable to submit a bid because I didnt have an preapproval letter nor did she ever reply as of the date of this letter. 
I was devastated that the loan officer would basically treat me with a prejudice, second class because of my income wouldnt allow for more, so she gave me nothing. XXXX XXXX cost me a nice home, credit hard inquiry which does impact me when applying again and lost time. 
I feel humiliated, to not get the approval letter at all nor home buying counseling all the things you are promise before applying to find out that if you dont qualify for enough commission she wants to received then you are wasting your time and credit with this company. 
This is unfair and should not happen to anyone! 

I want the hard inquiry removed from my credit report for the company did not provide what was promise to pull credit

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: MN
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:
When I looked over my credit report, I found that some of the accounts listed there were incorrect. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have written letters to the credit bureaus requesting that they look into and correct any inaccurate information that has been reported about me, therefore I am disappointed to find that they have chosen to ignore my pleas. It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
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: 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 depressed 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 explanation
Consumer complaint received 2021-08-11
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt collector from IQ Data International by the name of XXXX ext.1201, called me, XXXX XXXX . I am unemployed and do not have a XXXX to my name. I hung up because I did not understand the language too well and he stated that it was for owing money to an apartment, which I could not afford during the pandemic. The debt collector then proceeded to call me because and started telling me, " why are you hanging up? Are you scared? You owe my client money. '' and he continued to harass me. I passed my phone over to my son, who is an attorney, but is not representing me in the matter but who I wanted to speak on my behalf because of the harassment I was suffering. The debt collector proceeded to express aggressive behavior towards my son and hung up. After multiple attempts to call him back, he continued to patronize and be aggressive. The debt collector, per the recorded conversation, was asked to no longer solicit for debt collection and he proceeded to state it was not not solicitation. The debt collector did not even know what solicitation was and continued to taunt and harass. I asked my son to call the manager with ext. XXXX, to convey the situation I suffered at the hands of the debt collector. Then we asked to receive a call back because we are dealing with other legal matters and the manager then refused and cornered and pressured me to try to resolve the issue now or never, despite I requesting to have this conversation another time because of being distraught and having to deal with other legal issues at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The loan XXXX  with Santander consumer USA these are deceptive practices in which this company is already been involved in and lost a multi million dollar lawsuit right before my car was financed with this company in which I have experienced the same issues and interest-rate which I was not told about in the beginning that you can not refinance nor will they change payments or posting for interest only without anything posting to the principal so the amount you owe on your vehicle never goes down they report incorrectly to credit reporting almost making it impossible for you to trade or refinance the vehicle for a less interest rate the biggest thing though that I think I noticed is there auto payment system everyone needs to check their accounts because what has happened to mine is it is set on a auto draft setting that they claim they cant remove so upon logging into the account it appears that your payment is already set up to deduct from your account so of course you dont want to make a double payment and return what happens is the payment is never processed in which it makes you look like youve missed your payments and Ill top of that they charge a late fee so if you think about all the millions of people that have auto loans financed through this company still if everybodys accounts are set up like this theyre making a ton of money just off of late fees because I know myself and my family because when I work out of town its left with somebody else who will pay bills on my account anytime theyve ever tried to login it says that the payment is already scheduled obviously theyre not going to schedule another payment so I know around that theres been times that I have missed two payments in a row thinking the payments are being made this is a complete scam from start to finish I have contacted multiple times about all of the situation my loan at one point was more than what I purchased the vehicle for because of their late fees and posting all of my payments towards interest in nothing towards a principal very little has been posted to the principal on my car in the year and a half that Ive owned it they should be shut down for what they do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Just received my XXXX dispute report number XXXX. XXXX XXXX needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and Trans Union as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.

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 2019-09-04
Company: CarMax, Inc.
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:
CarMax reported two late payments on my credit report for a co-signed loan with my son. Reported dates of delinquency were for the months of XXXX and XXXX of 2017. I have contacted CarMax by phone several times, without resolution. I have challenged the items several times with XXXX, XXXX and XXXX. I provided hard copy proof that additional payments had been made that were misapplied as " principal only '' payments which would have covered the dates involved ahead of time. One additional payment was made in XXXX of 2017 and the other in XX/XX/2017 which is when we were first alerted by CarMax that there was a report of late payment. had the XXXX payment been properly credited, the account would have been ahead of due date for any months following, and would not have been reported 30 days late. Had the additional payments made in XXXX been properly applied to whole payments, the account would have been rectified and further bolstered before going into 60, let alone 30 days reporting erroneously overdue. They made no attempt to correct any of this. If you can help it would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My wife and I went to our bank to get a HELOC as a bridge loan. We were told specifically and repeatedly by the loan officer that the interest only payment on the loan would be {$250.00} per month. We trusted the loan officer and the manager who told us this. When I went in after getting {$200000.00} to help our daughter purchase a home I learned that the DAILY payment would be {$45.00} which of course is {$1300.00} per month. 

We were told that the loan officer and the manager had been fired due to these kinds of issues. I was also told by the new manager that the loan officer who fraudulently told us this was found to have a customer 's credit card under her mousepad that the new manager found upon moving into her office. 

We only need this loan for approximately 45 days until we sell our home. This predatory lending by these officers of the bank is unacceptable. I have been banking with Citizens Bank for about 30 years. The XXXX XXXX XXXX has our building loan with them. We are all appalled by the actions of our bank and seek relief from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CarMax, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We, XXXX XXXX XXXX and XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S.

Postal Money order, which clearly states at the bottom that it is a negotiable instrument that we bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$12000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Carmax Auto Finance on XX/XX/XXXX. They accepted our instrument but did not credit our account. I, XXXX, did call on XX/XX/XXXX and spoke to a supervisor name XXXX to inquire why our Ambiguous Negotiable Instrument was returned. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what we provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. We are filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. 

We also provided reading material on 'The Bank Act of 1933 '. 
All attachments have been mailed off to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MI
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:
I am writing to bring to your attention a serious issue concerning the inaccurate and incomplete information being reported by Experian, one of the major credit reporting agencies. Despite disputing the XXXX BANK account, Experian continues to report inaccurate details on my credit report, including incorrect addresses, payment history, and other payment-related information. This discrepancy between Experian 's report and the reports from XXXX and XXXX is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under FCRA Section 807-8, FCRA Section 623-B, sections 15 USC 1681e ( b ), 15 USC 1681s 2a1a, 15 USC 1681a 2ai, and defamation. Moreover, I want to emphasize that this account has been charged off/written off, resulting in its reporting to the Internal Revenue Service ( IRS ) as profit and loss. According to IRS regulations, this reporting categorizes the amount as personal income, and it is no longer considered a debt. Consequently, this account should not be reported on my credit report as it does not meet the criteria of a debt requiring reporting. It is crucial to note that all three credit bureaus, namely XXXX, Experian, and XXXX, are reporting different inaccurate and incomplete information about this account. Therefore, I kindly request your intervention in this matter and ask that the account be completely removed from my credit report. As a consumer, I am protected by the FCRA, which ensures that credit reporting agencies provide accurate and fair information about individuals ' credit histories. The inconsistencies and inaccuracies in Experian 's reporting not only undermine my creditworthiness but also hinder my access to fair credit and financial opportunities. Lenders and financial institutions rely heavily on credit reports when making lending decisions, and the inaccurate and incomplete information on my credit report has negatively impacted my creditworthiness and caused me to be denied credit opportunities that I otherwise would have qualified for. I am deeply concerned about the negative impact these inaccuracies may have on my financial future. Enclosed with this letter, please find copies of the relevant supporting documents, including the credit reports from all three credit bureaus, highlighting the discrepancies in Experian 's reporting. I kindly request that you remove this account 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