BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-01
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: Their investigation did not fix an error on your report

Complaint:
I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.

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 2017-07-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a bunch of american express credit card because of an advertisement they were putting all over the internet to get XXXX points if you spend $ XXXX on the card. The platinum card cost {$450.00} a year but being that they offer {$200.00} worth of travel credit I decided it was worth it for me to get the card. So I signed up for XXXX cards and spent the $ XXXX on each card as agreed upon in the offer. When the reward hit my account I used them to book a first class ticket however each time I booked the ticket I was told a few hours later that the ticket was cancelled. long story short american express decided that I was not entitles to the rewards they promised and charged my card a WHOPPING {$22000.00} in order for them to get the points back in my account. In other words. After I used my points american express deducted XXXX points making my account negative a bunch of points. Three weeks after my card was closed they charged my card {$22000.00} to put the points back in my account. <P/>My card was closed and I did n't give them any right to charge my card. If they believe I should have not gotten the bonus they could have argued that. But to charge my card without my consent is FRAUD, conversion and wire fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

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 explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Consumer Financial Protection Bureau, I mailed a letter on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX, Transunion, and XXXX requesting to correctly report the balance amount on my account based on the copy of the letter sent to my by XXXX XXXX XXXX in XXXX and XXXX XXXX. I received a letter from all four companies in XXXX XXXX that the account balance amount is correct and will not be changed. 
Thank you. 
Concerned Customer

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 2018-10-24
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Conns has been reporting information that has erroneous I was told by their company not to make payments for 90 days and they would re-find me. So I did not make payments so they begin to refi my accounts and when I receive the refinancing forms I signed them with all rights reserved they did not like the way I sign so they refused my payments from their on and then charged of my accounts I have to know avail been able to reach anyone who could give me any answers basically they have XXXX XXXX me around and our continually reporting information that is erroneous along with the three credit agencies to continue to violate section 609 and not certifying the information to the consumer myself which is disclosures to the consumer under 15 USC statute 1681GA information on the file every consumer report and agencies youll have upon request and subject to 610 A1 statued Merchant store should correct the information by removing it it is not correct it is erroneous and they have put me in an unconscionable situation I believe that the three credit agencies XXXX XXXX XXXX XXXX and XXXX  need to follow the legislation laws on the books as stated earlier pursuant to section 609 in the federal credit act thank you 1681H clearly and actually this close to the consumer basically they need to give me the request In writing and certify it and they have refuse to do that as well this is been a real battle hopefully you folks can help me out thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we received a letter from Wells Fargo Mortgage Company stating we could take advantage of the " disaster relief program '' because our county XXXX had many fires. We jumped on the program because they said we didn't have to pay our mortgage for 3 months and then we could resume payments. I made payments on XX/XX/XXXX and have made regular payments ever since. In the meantime, they have sent us weekly foreclosure letters stating we were behind in our payments. They also took the liberty and paid our taxes and home insurance. After six months they sent us a loan assumption with a large mortgage payment and a 40 year mortgage. This is not what they said they would do! We denied it per a telephone conversation and we were told we could just keep paying our mortgage. Today I received a bank statement with 2 options. We could pay the $ XXXX  immediately and make new mortgage payments of {$2300.00} ( our original payments were {$1700.00} ) or we would have to start paying {$3200.00} per month. We never told them to pay our taxes, we never told them to pay our home insurance. This feels like a scam. We don't know where to turn. Last month we paid back 2 out of the 3 payments we owed and paid our current mortgage payment. We have paid on this loan for 5 years and only owe $ XXXX. Our home is worth $ XXXX. I think they are trying to take our home away from us. I have a stack of letters from Wells Fargo, too many to send.

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 2017-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX 2017 I went to the Experian Credit Report official website and went there to see about getting a credit report. First item on the website, it says " Get your Credit report and Fico score '' with a hot button to click. So I clicked it and signed in ( I had already requested a report from pervious years ). From there they gave me my FICO Score and Credit Report ; after that I did n't think of Experian any more. Until I got back from an extended trip abroad and reviewed my XXXX 2017 credit card statement, and found out that Experian was charging my account since XX/XX/XXXX a monthly fee of {$21.00}. I called up Experian, and expressed that I did not order their monthly service, I also told them they should check their records, and find that I had never signed onto their web site. They said they would cancel the account immediately and credit only the last months charged. I asked that they cancel all the months, I never ordered the service ; and they declined.

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 2018-06-25
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
XXXX said they will contact the XXXX  they want a police report they don't believe me. I sent all documents and they keep scaring me they said they are removing it they don't care if I owe it or not I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

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 2018-11-01
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for 2 loans with the same lendee. Loan Depot. They took all my information via phone, told me everything looked good. 
They asked me for {$850.00} to appraise, both properties. 
Then they denied my loan. 
They never bothered compensating me the {$850.00}. 
What can I do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw in my credit report that there is an alledge debt for a company called XXXX XXXX XXXX. There is no proof this alledge debt is mine there for this is a violation. I have never done commercial transactions with XXXX XXXX XXXX and never signed an agreement of contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX, I disputed with XXXX XXXX  two items on my Equifax Credit Report that were sent via certified mail. XXXX XXXX never replied within the time frame allowed. On XX/XX/XXXX I disputed with XXXX XXXX  again regarding the two items on my Equifax Credit report, XXXX XXXX did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified. This was also outlined in my complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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:
In XXXX of 2017 a collection showed on my credit report from XXXX XXXX XXXX via XXXX XXXX. This is not my account. It was confirmed that this was not my account, but my son 's XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I filed a dispute on XXXX XXXX at that time. This information is still reflected on my credit report. My wife and I applied for a Home Equity Line of Credit to pay down our debt and were denied due to this collection causing my score to be XXXX, not above the XXXX that is required. My son, my wife and myself have spoken with the collection agency and the company who originated the file. They state they did not report this on my social security information and that the credit reporting agency must be pulling the data incorrectly. The credit reporting agency does not have my dispute on file, from XXXX of 2017. They have asked that I submit another dispute because it is only the collection agency that can remove the negative report. I don't believe I should be required to file another dispute, which will take longer to resolve. Time is of the essence and I am respectfully requesting this be removed from my record immediately. This is going to impact my credit score even further due to needing to have another inquiry to obtain credit after this denial. XXXX XXXX, the collection agency has sent me a letter showing that this is being requested to be removed from my son 's record. They state it was not filed on mine, but clearly it is. Please remove this from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Moss Law Firm, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached a judgment agreement in XX/XX/XXXX regarding a XXXX credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XXXX of XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XXXX of XXXX and the balance was {$13000.00} ( I  believe ). On XXXX of XXXX, I asked the lawyer I had hired to reach out to Moss Law Firm and request a reprieve for a few months, because my son 's father had died in XXXX of XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to Moss Law Firm, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called Moss Law Firm, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to XXXX, I do not believe in the few short minutes they put me on hold they had any communication with XXXX regarding this issue. Since XXXX hired this outside attorney, I believe their collections practices are egregious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TD BANK US HOLDING COMPANY
State: CA
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 have a hard credit inquiry from TD Auto Finance and I never signed anything giving them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: CA
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:
Letters regarding inquiries found on my credit were submitted  XXXX  to  XXXX , and Equifax.  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from Equifax nor an update. A second letter was sent on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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: Information is missing that should be on the report

Complaint:
I have sent XXXX, Experian and XXXX each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted. XX/XX/XXXX Mailed Address, Name, Work, Phone Number Information update. As of Mid XX/XX/XXXX, only partial information was updated but old information was still being reported. <P/>XX/XX/XXXX mailed another letter to XXXX and experian for all personal info to be updated.

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 2018-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
OnXX/XX/2017, I send Equifax a dispute letter to take off the current bankruptcy on my credit report. Equifax responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter on XX/XX/2017. After that Equifax again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
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 is missing that should be on the report

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 explanation
Consumer complaint received 2018-10-24
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed two of my credit cards on XX/XX/2018. I made a payment on each of my credit cards, one payment for one of the credit cards for {$1000.00} and a payment on the other credit card for {$1100.00}. Both of the credit card payments ( {$1000.00} and {$1100.00} ) were made on XX/XX/2018, which would've brought my account current. Chase is engaging in deceptive business practices by closing the accounts the day after I made payments to bring the accounts current. I called customer service on XX/XX/2018, and the agents told me that it was " schedule '' the closing of the accounts but had not been done. I asked them if the accounts were " scheduled '' to be closed why weren't they closed beforeI made the accounts current. In addition, if I made the payments on the accounts on XX/XX/2018, then that should've brought the accounts current and the accounts shouldn't have been closed on XX/XX/2018. I told the customer service agent that I had lost my job and wasn't able to make payments for a short period of time, but that I was trying to get to being back current on my accounts by making payments to bring the account to current again. Chase is engaging in deceptive business practices by closing my accounts the day after I made substantial payments to bring them back to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: GA
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:
The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX ; the  above aforementioned accounts have been requested for removal

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