BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Experian has failed to provided physical verification according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ).

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 2020-05-31
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX account can not connect to my PNC bank account because of some changes that were made by PNC. I can not send money which is a major inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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 hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form XXXX XXXX that I was late XXXX days. I called XXXX and submitted a dispute to Transunion and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a XXXX day late Credit Card payment.

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 2017-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been attempting to collect a debt that has been identified as identity theft. The debt is not mine and has an address attached that I have never been associated with. I have written and called them numerous times to request documentation showing me originating the debt and they just mail me credit card statements that are not mine. The original debt is from XXXX XXXX who has agreed the debt is the result of identity theft yet this collection agency continues to pursue me. The real crux of my complaint is that over the last few months they have done a hard inquiry on my credit file every single week ( over 23 times in 3 months according to XXXX ). These unwarranted and unauthorized inquires have resulted in me experiencing a significant drop in credit scores which has left me unable to obtain financing and paying higher interest on existing debts. I feel as though there is no ligament reason for the obscene number of credit inquires recently conducted by this firm and the only explanation is that they are maliciously attempting to attempt an illegitimate debt through coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX THE CUSTOMER SERVICE DEPARTMENT WOULD NOT HELP AND TAKE CARE OF THE NEGATIVE INQUIRES REPORTING TO MY CREDIT 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 2020-05-31
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On or about XX/XX/XXXX I opened a new BB & T checking account, using a promotion offering a {$200.00} new account bonus. On XX/XX/XXXX, 2 deposits totaling {$800.00} were made to my new account, fulfilling the first step of the bonus requirements. 

On XX/XX/XXXX, a letter was sent to me, informing me that my new account was being closed immediately, and sternly warning me to not use the account for any further deposits of withdrawals. It stated that my remaining balance would be returned by check after 10 days. 

The week of XX/XX/XXXX, I contacted BB & T about having not received a check for my balance. I was informed I had to go into a branch " to sign something '' before I'd be given my money. 

It is outrageous that the bank insist I unnecessarily travel to a branch at a time our state is under an emergency stay at home order, when the branch lobbies arent even open, to collect something I was told would be sent to me 3 weeks earlier. It is now a more than a month later, and I've still received no check.

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 2023-01-11
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I received notification that a new account was added to my credit report. Upon reviewing the account, I quickly noticed it was not my account. I disputed it with a credit bureau and later received documentation of the account. Someone in far XXXX XXXX opened an electric account in my name on XX/XX/2022 and used it until XX/XX/2022. This created an amount due of {$1600.00} that was added to my credit profile. I have never done business with this company or used their service. I had never heard of the town this occurred in until this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
Consider this as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX reported to Experian that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XXXX, XXXX, XXXX and XX/XX/XXXX. For some odd reason, XXXX is past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit 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 non-monetary relief
Consumer complaint received 2020-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am begging me, do the right thing and give me my money back

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 2020-11-25
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been using my Discover card for the last 19 years and have a continuously high interest rate of 29.99 %. I consistently pay my bills, at times I have had the card completely paid off and at random times Discover will issue me a higher credit limit amount without me asking or wanting. On XX/XX/2020 I called and asked for a lower interest rate. During my call, I was bounced around to several " departments '' I was finally able to speak with someone in the Card Member Assistance department. The gentleman agreed that my rate was too high and issued me an interest credit refund of {$1100.00}. He then told me that my interest rate would be lowerd to a percentage over the prime rate. I tried calling Discover back in XXXX because the rate wasn't lowered and didn't get anywhere.The girl on the phone was not helpfu so I hung up. I just tried calling again today, XX/XX/2020 and was told the ONLY way to reduce my interest rate is to suspend my card for 6 months and then it will be up to Discover if they want to " re-instate me '' at the going rate at that future time. To me this is slap in the face. I have been an outstanding long term consumer who uses my Discover Card for the ease of it being accepted everywhere. In order to be " considered '' for a lower rate I have to suspend my card?! Why? Discover is refusing to give me a lower rate even though my credit history with them has been near excellent in the 19 years I've had my card. Also, Discover has just issued me another credit increase. My new credit limit is {$22000.00}. Of which I am using {$6700.00}. I did not ask for this increase and now I am showing too much available credit on my credit report and I can not cancel my card due to it being the longest credit link I have on my credit history. If I cancel my credit card with them it will adversely impact my credit rating. I am at a loss at what I can do and Discover Card is not being helpful!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
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 was buying airline tickets on XXXX XXXX webiste on XX/XX/XXXX. When i was ready to pay an offer came through on the web page that if i apply for the american express delta skymiles credit card i would get {$400.00} off as statement credit after spending {$2000.00} dollars in the next 6 months. I went ahead and applied for the card. I got approved instantly. I used that card to make several purchases upwards of {$8000.00} over next few months and i met all the requiremnts for getting the bonus of {$400.00}. 

I did not see the statement credit after 3 months of meeting all requirements. So i called Amex and they said that the bonus offer was denied even through credit card was approved by the acquisitions team without giving me a reason. Hence i will not get the bonus. I was not sent any communciation regarding this. 

I see this an an unfair marketing practice where amex lures in the customer, makes them use their card and does not even tell them if they were denied the offer they actually signed up for. The card should not have been approved if they were not willing to honor the bonus. There should have been a formal letter sent to me that this was denied. If amex has an issue with my credit history they should not ahve approved me for the card. 

Amex is engaging is cheating and unfair practices and luring in poor consumers like me. I started googling the same to understand if others have been cheated and it seems this is a common practice for amex. Of course, they ask us to look in the fine print. 

I have an excellent credit score and the only card i closed with amex was in XXXX because it was a student card that had hardly any benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NY
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I changed insurance providers on XX/XX/XXXX. Amerihome was sent policy. I sent to emails to company notifying that insurance provider changed. I initiated refinance in XXXX and told loan officer of change. Slow process with long delays despite my constant calling the loan officer. Refi moved to processor. Constant delays with vague description. Closing set for XX/XX/XXXX. XX/XX/XXXX I received call from loan processing assistance telling me I did not have home owners insurance. Agent sent policy to person on XX/XX/XXXX. I can provide multiple times policy was sent to Amerihome. AND, if I had no insurance, I am confident Amerihome would have slapped a high cost policy on my home. Amerihome denies any communication about the change despite being told my previous policy was cancelled and they are holding escrow funds. They ignore my emails notifying of change. They say first they heard of change was XX/XX/XXXX. Still no insurance payment. Attempted multiple times to speak to someone in escalation but never get there. After hour long call, I was disconnected. I was promised if faxed this morning it would be updated and paid. I seriously doubt any promise since everything else I am told has not been accurate. I am sitting in my home with a cancelled insurance policy wanting to refi which was supposed to be so easy since it was with same company. I am so angry and frustrated that I can barely listen to one more person telling me there is no documentation in the file. I have been changed late payments waiting to close loan. I have tremendous anxiety that Amerihome is saying I have no insurance coverage. As I explained to last person today after more than a hour on hold and talking with customer service reps that do nothing but tell me to fax documentation. NO ONE IS LISTENING TO ME!!!! I have filed complaint with XXXX  and if I do not get action immediately, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, Selene Finance, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX-XXXX-XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX  Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.

Company response to consumer: Closed with explanation