BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I saw a feature called " Plan It '' advertised in my online American Express ( Everyday Blue Cash ) account offering a special no fee, no interest payment plan to assist with large purchases ( for a limited time only ). The Plan It module online offers a " calculator tool '' to " see how the Plan It module works XXXX direct quote from online account ). '' I entered an amount of over {$9000.00}, the cost of the large purchase I was planning on making. The module provided 3 potential scenarios : 12 months, 18 months, or 24 months, all at {$0.00} fees and {$0.00} interest for a total cost of the amount I keyed into the calculator tool. The 24 month scenario worked well for me, so I proceeded with the large transaction. 

Once the transaction actually posted, I was unable to use the Plan It module to create a plan, so I called American Express Customer Service. I was told that the 24 month plan would still be available, but only after the monthly statement cut online. 

As of today ( XX/XX/20 ), the statement cut and the longest payment option I was given to create a Plan It for the transaction was 12 months. Now, American Express is claiming that the online tool is " illustrative only. '' What is the point of the Calculator Tool to plan for a large transaction if the scenarios presented change AFTER the large transaction has been run and posted to your card? American Express has REFUSED to extend me the original 24 month plan after multiple calls and now my monthly payment has doubled, which I did NOT plan for and I am now in a financial jam. 

I have screenshots of the online calculator tool ( logged in under my account number ), as well as the " fine print '' terms that I had reviewed prior to proceeding with the transaction. I met all terms that were disclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: STERLING JEWELERS, 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: Was not notified of investigation status or results

Complaint:
Reached out to company via mail XX/XX/2020 in regards to incorrect reporting on my credit reports though credit bureaus are reporting the creditor verified the account. Reached out to find out how the creditor verified the account and requested documentation of the investigations. 
The company never replied, though they are not following METRO 2 reporting protocols.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent my first response on XX/XX/2020 and a follow up letter on XX/XX/2020

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 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: CA
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 : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: First Home Equity Loans, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for what we thought was financing for a loan, ended up being a loan officer who in fact does not work for or at a bank. He ran our credit and claimed he had numerous options for us and made an appointment for us to come see him, we were told to gather tons of financial paperwork that we would need. We went to see him on Tuesday XX/XX/XXXX and after he learned we were a family of XXXX and that my income was from XXXX, he suddenly had no options for us, told us XXXX people was " too many '' and that he couldnt help us. 

I'm not sure what family size or my XXXX  income should be deciding factors on getting a loan. Now since he has run my credit dropping my score down, I will now be required to wait months for my score to bounce back, before I can attempt to apply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a private student loan from JPM Chase inXX/XX/XXXX orXX/XX/XXXX. I began making monthly repayments in XX/XX/XXXX but towards the end of XXXX I stopped receiving bills from JPM Chase. In hindsight, I believe they must have been using an outdated address in mailing out my bills. But given that I was in the process of getting reenrolled in college around that same time, I assumed my payments were simply placed in deferment/forbearance, as my other lenders do when I am active in school. 

It was not until I received an actual phone call in XX/XX/XXXX that I was alerted to my account apparently being delinquent, and being escalated to collections. I did not even speak with JPM Chase directly, but rather a representative from the debt collection firm had contacted me. He informed me that I did not have any option to resume monthly payments with JPM Chase, and that I MUST pay the outstanding balance in its entirety. 

I did not have the means to do so, and therefore I was compelled to take out a personal loan with my employer 's credit union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in order to pay off that balance, and I have diligently been making my monthly payments to the XXXX XXXX XXXX XXXX since XXXX. However, JPM Chase is still reflecting in my credit file as having delinquencies and as having been charged off and not paid in full. However, that is inaccurate - any lateness or delinquency in payments was due to not receiving bills from JPM Chase. And once I was directly contacted, I immediately acted and had the loan balance paid off in full through another personal loan, and have been keeping my monthly payments with that new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received and paid a bill for {$30.00} from XXXX for service on XX/XX/XXXX. They showed me what I would be paying up front as part of the no surprises act of XX/XX/XXXX as being {$30.00} but then charged my credit card ( which I had removed from my file so they had no authorization to still have my credit card information or to charge it ) on XX/XX/XXXX for {$160.00} and will not tell me what for, show me the itemized bill, or the proof from insurance they claim gave them the amount. They have provided nothing and since it was already charged and not submitted to me as a bill they won't respond since they already have their money and Discover won't do anything about it since I had already agreed to paying them the {$30.00} they consider that I authorized any future charges they may put on the card to be legitimate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between thXXXX XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX and Equifax credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX  XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding the underlying credit card account. In or around XX/XX/2018, consumer and XXXX XXXX XXXX engaged in settlement negotiations to resolve the dispute. In a letter dated XX/XX/2018, consumer agreed to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. Between XX/XX/2018 and XX/XX/2018, consumer heard nothing more from XXXX XXXX XXXX  and XXXX XXXX XXXX sent no further correspondence of any kind. Moreover, no more collection efforts were evident. 
XXXX XXXX XXXX sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. Despite the settlement agreement, XXXX XXXX XXXX   continues to report the matter negatively to the credit bureaus. Consumer  contacted XXXX XXXX XXXX to honor the agreement, which required that the matter be reported as settled in full/ satisifaction in full. XXXX XXXX XXXX did not respond and instead continued to report the matter negatively. 
Documentation, to include settlement correspondence and a deposited check, verifies the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Bread Financial Holdings, Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: U.S. BANCORP
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 status incorrect

Complaint:
Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is account is reporting inaccurate information XXXX XXXX # XXXX on XXXX, Equifax, XXXX. 

On Equifax reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX  with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CITIBANK, N.A.
State: MI
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: Was not notified of investigation status or results

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXX/XXXX  Opened Date XX/XX/2000 which has been deleted by XXXX  and XXXX . XXXX and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several written letters to Southern Management Systems requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications ( written or otherwise ) from this company to validate any debts. They continue to erroneously report false information that is causing a negative impact to my credit file.

Company response to consumer: Closed with explanation