BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
We were a business client of American Express for almost 20 years with excellent payment history, due to Covid-19 our business was closed in XX/XX/2020 and is still closed, during this time we checked in with American Express twice a month as they required to updated our situation. In XX/XX/2020 Amex closed the account without notice and the account was placed overseas in XXXX with individuals you could not understand, we asked and tried several times to speak with someone in the US, AMEX did accommodate that request, we still continued to call AMEX and update them as we were waiting for funds. To avoid any issues with credit we entered into an agreement with American Express ( Uploaded ) in XX/XX/2020, that clearly states credit will not be affected. AMEX did not honor the agreement and even though this was a business account AMEX placed a charge off on credit with all 3 agencies on personal credit which dropped credit from XXXX to XXXX and has severely crippled our ability to finish with refinancing assets to pay the debt in this Pandemic. We have tried several times to Speak with a US based AMEX Customer Support and each time the call goes to XXXX and with NO RESULTS. thank you in advance for your assistance. Please Help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: North Shore Agency, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year ( 2016 ) I received an issue of XXXX XXXX XXXX that I did not order. I contacted the company ( I believe XXXX XXXX ) provided on the bill statement for the subscription. I explained I never requested the subscription and did not want it. I did not receive any further issues. I now have received a notice from North Shore Agency, debt collector for the XXXX XXXX XXXX payment of {$49.00} for 26 issues. This false.

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 2018-03-04
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Continental Credit Control for a debt verification and never received it and they reported to my credit.

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 2017-08-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion on XX/XX/XXXX and XX/XX/XXXX to get fraudulent inquiries removed from my credit report! They would not remove the fraudulent inquiries from my report. I told the rep that I was aware that Transunion had two separate glitches and that my inquiries were deleted and then readded to my report once the glitches was discovered. And that I never received a five day notice about the fraudulent inquiries going back on to my credit report! The rep did not want to help remove them at all. I was told to call all of the companies that the inquiries were made from and have them remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Credit Collections U.S.A., L.L.C.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was involved in an XXXX XXXX on XX/XX/XXXX. I treated for this injury from XX/XX/XXXX until early XX/XX/XXXX at XXXX XXXX and I was under a letter of Protection. I should not have been billed for these services but I have been continuously billed for them.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX , Ohio- I filed a dispute based on my car loan being reported as 30 days late numerous times after I had obtained an extension on my loan. My vehicle was paid off in XXXX. 
XXXX XXXX XXXX XXXX  retaliated against me by reporting me again to Transunion Credit bureau based on my dispute. 
XXXX I called XXXX XXXX XXXX, to ask them why they reported me again as delinquent, when my car was paid off in XXXX. They stated that since they had to correct the information on my report, they did another review. On further review this was not correct, so they had to report me again. I understand that during these difficult times customers are unable to pay their car loans, but I find it very egregious of XXXX to do this, what would be the point of this kind of behavior towards a customer that had paid her car loan completely. To date, XXXX has not agreed to correct this misinformation.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: TX
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:
Today, XX/XX/2020, I received an email form XXXX XXXX XXXX stating that I had a new inquiry on my credit report. 

New Credit Inquiry It looks like someone viewed your credit report. 
New Inquiry : XX/XX/2020 XXXX XXXX I DID NOT check this nor did I authorize anyone to check my credit information. I did not apply for a new line of credit.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called transunion numerous times and was told these inquiries would be deleted. Please delete immediately. These are unauthorized and I never consented. No consent is identity theft. See attached ftc 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 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
( 1 ) What happened? 

On XX/XX/XXXX and XX/XX/XXXX, I received the depute results Rpt. # XXXX, regarding my Bankruptcy # XXXX. I disputed it as inaccurately reporting. The address on file with the Bankruptcy Court filed XX/XX/XXXX, address is different from the current address I am living. 

The FCRA 609, states that it is a crime not to adhere to their Federal Law 's regarding the slightest inaccuracy in a consumers credit report. The information Reporting with my XXXX Credit Reporting Agency is not the same as the XXXX Bankruptcy Court files. The Bankruptcy Courts do not under any circumstances comunicate with Credit Reporting Agencies or any other 3rd Party Agency. The Credit Bureaus have inaccurate information they do not have complete information, and the FCRA 609 requires the complete information from Bankruptcy Court to be placed in a consumers file, in order for the file to be completely accurate.

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 2022-11-18
Company: EQUIFAX, INC.
State: IL
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX* Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Reliant Financial Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX,2019 reliant financial has a tow truck man repossessed my car at my home address the loan should be closed on my credit report now since they have there vehicle back they are a shady company I was paying XXXX a month not the XXXX that the loan was for they raised that price 10 days after I got the vehicle anyways they had the car repossessed they have the car now I want it to say closed on my credit report thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-05-20
Company: SYNCHRONY FINANCIAL
State: ID
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 have a carecredit rewards mastercard and I noticed on their website and on the bowflex website they advertised 18 month promotional financing on bowflex products. over the course of two months i made a few bowflex purchases : XXXX XXXX XXXX BIKE {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX Kit {$290.00} XX/XX/2020 XXXX XXXX XXXX STOWABLE BENCH {$290.00} XX/XX/2020 XXXX XXXX Treadmill {$2000.00} XX/XX/2020 I used my care credit master card to pay for all these purchases. I have had two statements since these purchases and have been charged interest on all the purchases except for the dumbbell kit and the stowable bench. The only promotional financing i received was on those two products. I have since reached out to both XXXX and care credit/synchrony bank. Both tell me that I must talk to the other company and its been months without any resolution. 

I reached out to synchrony on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to bowflex on XX/XX/XXXX and called on XX/XX/XXXX and spoke to a supervisor who told me carecredit/my synchrony are the ones who would have to fix the promotional offer not being applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-22
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Minimum interest charge {$2.00}. 
A charge of {$2.00} was debited to my account on XX/XX/2018 and once again on XX/XX/2018 for a total of {$4.00}. I normally pay my balance in full but I was expecting interest to be charged in XXXX because I carried a {$52.00} balance. I requested an explanation about the charge through Secure Online Message and over the phone, but every single time the representatives were insisting in explaining the general rule of being charged interest on credit cards. Today, XX/XX/XXXX, I was able to have the second charge waived because I paid the last statement in full ( my balance on my current statement was ironically {$2.00} only, the amount of the charge ). According to them the charge was referring to an average daily balance of {$7.00} which was outstanding until they receive my payment for the {$52.00} on XX/XX/XXXX. When I, again, requested to see where the Minimum Interest Charge rule is actually written, nobody could direct me to a specific disclosure. Customer service stated they will escalate my complaint. I read  several articles online and apparently Citi was supposed to stop this policy as the company was changing its method of calculating interest because of the new federal credit card law. However, I believe that they completely failed to communicate with customers in a clear way and provide them choices. Quickly waiving the second charge is in my opinion a way to avoid complaints, since the option is available over the phone without even talking to a representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$650.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We just refinanced our home and our loan was sold to AmCap Mortgage, LTD. My loan number is XXXX. Our first payment was due on XX/XX/XXXX and I set up recurring payments of {$2800.00} which is the total amount due each month. My XXXX pymnt was drafted out of my checking account for {$2800.00}. On XXXX a pymnt was drafted out of my account for {$3400.00} which I did not authorize. This caused an overdraft of my checking account and I was charged {$30.00}. I contacted AmCap several times- I was always on hold a minimum of 20 minutes and transferred several places and sometimes disconnected. I sent inquiry messages which were not returned for over a week. I first contacted them on XXXX when I saw the charge. I resorted to trying to chat with an agent. Each time I was told that this was done by me ( understand I set up a recurring pymnt for my minimum and never authorized this ) and applied towards my principal. I was on XXXX to send a copy of the bank transaction and my overdraft fee. I sent on XXXX. I had to f/u several times and each time was told I authorized this. I finally got to someone named XXXX who said he apologized for the error and submitted the paperwork for a refund. Again, I did not receive a refund. I contacted them again and finally talked to a " supervisor '' on XX/XX/XXXX and was told it was approved and would be processed within 2 weeks. I was very upset about this because this is still money out of my bank acct that was not authorized and I needed to be reimbursed. He told me he would try to rush it. Today has been 2 weeks and I still have not received a refund. I just did a chat with a " XXXX? '' and they said it still has not been approved. I want a refund asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16
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: Old information reappears or never goes away

Complaint:
Good morning, I am writing because the short sale to close my mortgage still appears on my Credit Report. On XXXX XXXX, XXXX, my ex-husband and I opened an account with XXXX XXXX. In XXXX, we could not pay our mortgage. We ended up closing the account due to a short sale. This account has since been paid and closed. 

It is now XXXX and I am still waiting for this information to be removed from my Credit Report. I have been working hard and have impeccable credit, however, this short sale/adverse mortgage is still showing up as 'delinquent account ' or 'delinquent activity. ' It continues to negatively affect my credit score. 

I would like to please request that this old information be removed from my Credit Report. I've waited 8 years, finally got divorced, and am eager to move on with my life and be able to purchase a home for myself. 

Thank you so much for your help.

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 2017-08-10
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to cancel my Citi Premier card because the annual fee was coming up. Their retention department convinced me to keep the account open, but convert it to the Citi Double cash card. They assured me there was no annual fee on the new card, and that I would not be charged the annual fee for the Premier card, since it would be closed. I agreed and received my new card shortly there after.
However, I noticed that the annual fee from it previously being a Premier card was posted and rolled over to my new Double cash card account - {$95.00}.
I called to inquire why that fee was on there and was told it will be 'systematically credited in a few months ' So now I have a {$95.00} fee that I have to pay, even though I have not used the new card. This fee was the exact reason I called to cancel, and was told I would not be charged it since the account is closed. Asking me to pay it, and getting it credited back later, is not a reasonable request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2020, I noticed my credit score drop over 100 points on XXXX and XXXX. I saw A new account with a balance over  XXXX from XXXX  XXXX. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its XXXX  but I thought this was spam and never returned any calls. I do not have any accounts with XXXX   and have not applied for anything

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 2022-11-30
Company: EQUIFAX, INC.
State: UT
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 reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be corrected from erroneous reporting in my file. 

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