BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
American Express advertises its " Apply with Confidence '' feature on its website. It states " During the application process, select applicants can find out if they are approved without impacting their credit score. If the applicant receives an approval and chooses to accept the Card, only then might their credit score be impacted. '' I decided to try out this feature on XX/XX/XXXX  for XXXX XXXX XXXX. Instead of getting an answer on whether I will be approved or not, the website informed me that further information is needed. I then thought that someone from AMEX will reach out to me to gather more information necessary for this " pre-approval '' status. I never gave my full permission to process or complete the application at that time. Then, after a few days, I found out that the card is being shipped to my address. I immediately called AMEX to find out what happened and never got a satisfactory answer on why the card was approved. Nevertheless, I was able to cancel it right away and the representative also reassured me that I should be eligible for the bonus offer when I do apply fully for the card next time. Since then, I have been trying to apply for the card with the bonus offer, referencing this incident, but only got the message that this is now a reapplication and will no longer be eligible for any offer. I explained the situation multiple times to numerous customer representatives over the last 3 months and got no resolution to it. By wrongly approving for a credit card that I never fully applied for, it not only affected my credit score by processing the application but it also reduced the credit amount on one of my credit cards as a part of the approval process. I feel that their " Apply with Confidence '' feature was simply a bait which they used to collect personal information of the customers. AMEX used the feature inappropriately to collect my information to process the application all the way through without being given an option to " receive an approval and choose to accept the card '' as it advertises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Every year, FedLoan Servicing requires loan participants to submit an employment certification form. My HR representative completed and signed the form, as she has in the past. I received an email notification from FedLoan Servicing directing me to go to their website to login to receive communication from them. When I logged in, there was a message that they could not certify my employment because I did not include an end date for my employment, The other reason was that my form was not signed. Both reasons are false. 
On the form, the HR representative put a check in the box that I am still employed. The HR representative signed and dated the form. When I called FedLoan Servicing this morning, their representative, who identified herself by a rapidly read number, not a name, told me that the reason the form was denied was that the " XXXX '' on the date was altered and that if any changes are made to information on the form, it must be initialed by the person making the change. I explained to the person that the HR representative only darkened the XXXX in 2017. I also explained that there is nothing on their website that indicates that if a person makes changes to the form that it has to be initialed by the person making the change. If the person who makes changes to a form has to initial the change, why is n't this information listed on the website so loan participants would be aware?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CEX.IO CORP.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Bought less than {$100.00} of XXXX which I initially tried to transfer to online gaming which is legal in California. Because my email at destination differed from email used at exchange they wanted some type of proof for email address. I have not used that email address for XXXX years and have no access to it. That initial transfer request was cancelled by exchange. I since have made XXXX transfer request to send balance of XXXX XXXX to my Exodus XXXX address. I have pass every identity verification, supplied screen shots of XXXX, but exchange ( CEX.io ) is still asking for verification on first transfer request that was cancelled almost 2 weeks ago. XXXX whom I've been conversing with at CEX claims to be a supervisor and XXXX we spoke I requested to speak with her supervisor. I truly feel she is doing this because she can and for no good reason, as the initial transfer request is moot.

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 2023-08-08
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-26
Company: Experian Information Solutions 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:
These collections and inquiries are not mine and are reporting incorrectly. I demand that these accounts below be removed immediately from my credit report. 
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 explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXX. XXXX  XXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open

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 2023-08-10
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:
This is my third XXXX to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX XX/XX/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 2018-11-20
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-07-14
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage company took it out {$1900.00} in my automatic payment which should have been {$1300.00}. When I called they realize that they had paid my taxes twice and also on my account projections for the next year it shows like they were going to pay my taxes twice again which is why my payment was so inflated. They received the money back that they paid on my taxes twice but they still have not fixed my account projections showing that they will pay my taxes twice again next year. Therefore my escrow payment for the next year is at {$740.00} a month instead of being at {$510.00} a month. As well as a shortage payment of {$110.00} which would not be there if they didnt project paying my home taxes twice. I have called at least 8x and talked to multiple people each time.Although they fixed part of it by getting the payment back from the taxes, they have not fixed my amount due to escrow because it still shows I will be paying {$5500.00} in taxes next year which is DOUBLE!! And they are telling me I have to still make the {$1900.00} payment for XXXX until they figure it out. My payment should be {$1300.00} a month. They already took an extra {$650.00} erroneously from me in XXXX by automatically taking {$1900.00} from my bank on a payment that should be {$1300.00}. Therefore my XXXX payment should only be {$680.00} to get caught up. Then going forward {$1300.00}. But all they do is keep transferring me to someone else until Im told it will be fixed in 5-7 business days. Ive been told that 4 times since XX/XX/XXXX. I have made automatic payments since loan originated so I have NEVER been late on a payment. But Im not paying anything until I know where my money is going and that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2018-11-20
Company: Experian Information Solutions Inc.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2018-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies PORTFOLIO RECOVERY {$1800.00} XX/XX/17

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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
list of inquiries that were not made by me : 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 2023-04-26
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Im a navy federal member My accounts were closed out due to the pandemic, which I previously mentioned to a employee at the bank. My account were closed out and a payment buyout was arranged. ( XXXX ) I called to close out the saving account to this checking account because it showed no activity for 2 years ( XX/XX/XXXX ), I called navy federal to see can I close my account they said yes. So we went through the process of closing it out but the call dropped, the very next 2 hours I had {$4000.00} worth of charges on my account after I had just talked to a reps who repeatedly said Im okay because it shows nothing in the account. 2 days after that ( XX/XX/XXXX ) my account was charged {$3700.00} from a old income tax refund that came. I had no idea about it and the reps didnt say the deposit was going in. I believe the bank and their employees conspired to take my money with me knowing because they didnt give me a notice plus they still wanted to close my account so if I didnt catch onto it. I either should be able to keep my account or get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I'm trying to sell my condo in XXXX by using the VA assumption process to the buyer. The loan is currently with Freedom Mortgage We sent in the paperwork on XXXX/XXXX/2023 and I called to verify they received it the following day. They reached out to the buyer and confirmed an appointment to begin the process on XX/XX/2023 at XXXXXXXX XXXX XXXXXXXX, they never called them. I called Freedom Mortgage and spent nearly an hour on the phone trying to escalate to whoever could reach out to them with no luck. Evidently there is no phone number to reach the Loan Assumption Department and they can only receive e-mails. 
They said they'd call within 1-2 business days and a supervisor would reach out to me as well. They didn't call the buyer yesterday or myself. This delay is potentially destroying the contract that we have with this couple which XXXX result in me being unable to continue paying the {$2600.00} mortgage for a home that I haven't lived in for over a year.

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 2022-07-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts 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