BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received two prepaid reward cards from American Express as rebates for items purchased from XXXX XXXX. The first was received in XXXX for the value of {$75.00} with an expiration date of XX/XX/XXXX. The second was received in XXXX for the value of {$80.00} with an expiration of XX/XX/XXXX. I have purposely held on to both cards, along with others, for a specific purchase. When I went to use the cards XXXX of XXXX at XXXX XXXX, the cards had XXXX value. I called the number on the cards, which was American Express, and was told that due to non-use a {$2.00} fee had been charged each month depleting the funds. They did state it was in the disclosure sent with the card and was also printed on the back. I will admit I did not read the back of the card as I thought this practice ended with the card act in XXXX. Regardless, this practice is wrong and somewhat deceiving as you have an expiration on the front of the card which suggests the value of the card is good until this time only to find they are already taking funds from the card for non-use. American Express stated there is no way to replenish the funds and it is my loss. Basically, you snooze, you lose. I feel this is a very unfair and deceptive practice. The card act talks about this practice and the unfair practice. I feel I should receive the {$150.00}. Card numbers XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: LA
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 investigated my credit report, I realized that some of the information was erroneous. The credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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: Was not notified of investigation status or results

Complaint:
TransUnion placed 10 items on my credit report all in one day. I asked them for an explanation of why they did this and to verify that these accounts belong to me. TransUnion has not provided any proof that all 10 of these accounts belong to me.

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 2023-06-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.

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 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had a fraudulent claim on my account around XX/XX/XXXX, I quickly reached out to Bank Of America prepaid unemployment card regarding the issue. They put my account in the negative around XX/XX/XXXX and I had a negative balance of XXXX XXXX They told me to file another claim so that I can receive my funds which I did. I had to wait nearly 90 days to hear something back. On XX/XX/XXXX my account was magically out of the negative but I was left with a balance of {$0.00}. I havent received any of my money from BOA from the moment unemployment put the money on the card. Someone has stolen my identity and now I have to hassle BOA for my funds. None of the reps know what theyre talking about Ive called and emailed multiple times only to keep getting the run around. This bank allowed someone to steal my identity and then blame me for it and not letting me see a dime of my money. I am heartbroken and so upset that this has happened and not one of the reps can even show a little compassion. Its like they lie just to get you off the phone. I was told my account will have my money in it by 24 hours and I havent received anything this is beyond ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} USDOE/XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I could not find the correct option this is as close as i could get. I had a credit card with Navy Federal and i tried to set up payment plans with them to pay down my debt. I called in XXXX to set up a payment plan was planning to have {$85.00} taken out of my account even 2 weeks to pay down the debt. I gave them confirmation of my account number was told it would come out automatically on and every Friday. the first pay date came and passed with no withdrawal i contacted them again and they stated the money attempted to come out but there was an issue with the account. But the rep even gave me and confirmed my account number before continuing. I called again and set up the payment plan and stated i want them to take it out automatically every 2 weeks. I do not have access to make a payment online so i have to call. They stated it will come out every 2 weeks. and confirmed my account number again. Tee payment did come out and i waited for the next payment to come out and it did not. I waited yet AGAIN to see what was the issue and noticed still no payment was withdrawn. I calle for the THIRD time to please have them withdraw the payment and make it an automatic withdrawal. I was told it would be. Now it has not been taken out for the past couple months. I keep receiving letters in the mail telling me to please set up a payment and also via email. Why is it that i have to call 3 times for the same issue and still not getting the money taken out. I am trying to make my payments and i was told by 3 different reps it would be set up automatically yet there is no money being taken out of my account. I am not trying to run from this and want to make sure its paid but no one there is willing to do what i asked.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are not accurate and should be removed : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX late payment account XXXX XXXX ( Original Creditor : XXXX  ) XXXX collection account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX charge off account I believe that these accounts were reported inaccurately and are damaging my credit score. I have attached supporting documents that show these accounts are not accurate, and I request that you investigate and correct these errors immediately. 

I also request that you provide me with written confirmation of the changes made to my credit report, in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This happens every time. I have never had a worse credit card company. The latest is a XXXX movie rental that I returned. XXXX charged me {$37.00}! First of all, I rented 4 movies. Why would I just not return one? If I wanted to buy a movie it would be special. I have bought 2 movies in my life and I am XXXX XXXX XXXX. I filed a dispute for the charge and my Chase Sapphire Preferred credit card sent a letter dated the XXXX of XXXX. It said a response was needed by the XXXX. This was in my mail box on the XXXX. I picked it up today. Again, every time I have filed a dispute they have done something similar and I'm sick if it. I bank with Chase and have their accounts only because I live part time in XXXX and don't have to pay all the foreign fees. That is the only reason. I have never experienced a worse financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-04-25
Company: Grain Technology, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Creditor did not provided proof to support there descion remove and delete from all three reporting agency company still reporting false information on XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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: Their investigation did not fix an error on your report

Complaint:
I spoke to two different representatives at TransUnion XXXX XXXX XXXX in reference to a recent drop in my credit score of 35 points with a decrease in my debt of over {$3100.00}. Upon speaking with the two different representatives, they could not explain why my score dropped 35 points. I also have a excellent paying on-time record without negative impacts to my score. I immediately requested to be transferred to a supervisor. Upon speaking with a supervisor, she could not provide me with any information that would explain what had happen. The only thing that she said that made since was that they use a electronic scoring device that might need to be changed or could need some updating. She also told me that if I had a complaint, I could notify the CFPB ( this company ) and she had given me the number to the CFPB. With this drop in my credit score, ( that I have worked so hard to pay off my debt and kept paying my payments on time and sometimes paying over the monthly payment amount, paid off several accounts in full ) shows me that the more I pay the lower my score. That is absolutely not so! I would like a full investigation of this matter so that I will get an accurate credit report in the future.

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 2018-12-05
Company: SUNTRUST BANKS, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2018 at XXXX, I received a call from suntrust mortgage company in regards to a bill due on the XXXX of the month. The last day to pay is on the XXXX ; in which I pay always pay on the XXXX of the month. Nevertheless, the call was unwarranted and not appreciated. I request to suntrust for them to stop but to no avail, it's still happening.

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 2022-01-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my 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 2018-11-29
Company: Rocket Mortgage, LLC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Quicken loans Inc. served me with a complaint for declaratory releif and judical forclosure of deed of trust. It is for a house my x-husband purchased after the divorce. It says i must appear or the other side will win. I have only a few days left. I am XXXX living on Social Security. Legal aide will not help. It says i am the defendent and i am a judgement lein claimant of record and may claim interest in the subject matter by way of a Domestic Relations Dissolution. Judgement was entered XX/XX/XXXX and  may be found in official records in XXXX County courthouse. i do not have a form or know how to fill it out plus they want me to pay a fee. Any debts from the marriage was in the Dissolution of marriage and my x-husband XXXX XXXX was court ordered to pay.The divorce was XX/XX/XXXX. Quicken loans will not talk to me because i am not on the deed. I was served with all XXXX 's personal business even though we are divorced. Attorney General is just sitting on a claim it has not been assigned to any one they said to fill out the form online so i will get it in on time. I am running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Penn Credit Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. On XXXX  it indicated the collections as Central credit, but on XXXX  it indicates collection agency as Penn credit. They removed it last month off my XXXX  then added it back this month and that is violation of FCRA and FDCPA. the credit bureaus also refusing to provide method verification that the acct and amt are accurate. They refused to provide license #, address, if they can collect under 2 different entities. DEBT VLAIDATION LETTER WAS SENT XX/XX/XXXX CERTIFIED AND NEVER RESPONDED TO. AS WELL AS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Need TransUnion and XXXX to follow suit on item 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
Consumer complaint received 2020-03-02
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was dumbfounded when I saw on my credit report late payment reporting for the date below : 30 day late in XX/XX/2019 I am unsure how this occurred. I believe I made my payments to you when I get my bill. My only thought is that I never received a statement that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX  have the ability to unblock and block accounts.

Company response to consumer: Closed with explanation