BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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 received a targeted offer from American Express to open a card and spend {$5000.00} and receive XXXX bonus points ( I have a print screen ) I have applied for the card, was approved. 
Once I did the required spent XXXX did not want to grant me with the XXXX points they said that in the terms and conditions they had a notice that previous card holders are not eligible. This was not noted on the offer page ( as you can see ) and you had to click on the whole terms and conditions to discover, this is clearly misleading intentinally. 
Also, I did not get any warning that I will not qualify for the offer, moreover, I was targeted for the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, a contractor, in XXXX sold me an ac unit. They offered financing and told me i needed to submit an application through XXXX XXXX in order to get financing offers through XXXX XXXX and XXXXXXXX XXXX at special low interest rates. The salesperson 's name was XXXX XXXX and the owner is XXXX XXXX. They lied. On XX/XX/2018, this caused a hard hit on my credit report and XXXX was the actual financing company. I have excellent credit and this cause my score to drop 10 points. They offered me 18 % interest and wanted me to pay {$11000.00} for a {$6200.00} 14 seer ac. XXXX  was trying to rip me off so i did not use them and i paid on my credit card instead. I contacted XXXX XXXX. XXXX said he would call XXXX to have the inquiry removed because the salesperson should not have lied to me about XXXX being the financing company. I also called XXXX, they would not remove because they said it wasn't fraud. I told them i submitted the application under false pretenses. Please help. I spoke with XXXX at XXXX and her manager. XXXX. XXXX 's number is 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 2019-05-30
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. 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 explanation
Consumer complaint received 2018-05-22
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Greetings, I writing to you due to the harassment of Quicken Loans. I made a complaint to the XXXX XXXX XXXX for an issue I had with them in XX/XX/XXXX. I guess since nothing is being done about that situation. They are finding ways to taunt me about that situation. They put an envelope with closing documents on my doorstep 2 weeks ago and I don't understand why. The papers didn't have any changes to it. However, I looked on the website and pulled up my billed and saw that my mortgage will be going up next month to XXXX. They say due to my taxes, which I am exempt from paying taxes. Since I am a XXXX  % XXXX Veteran. And Quicken loan knows this, they have a VA property Exempt paper in their file. I been living at this address since XX/XX/XXXX and never paid property taxes. I went to the tax office they said, Quicken Loan was sent a tax statement when I was sent one this year. She also stated since I been already exempt from paying taxes I do not have to be exempt again. I am not going to play these games with them. I just Buried my aunt Saturday and my mom fiance two weeks ago. Life is too short. I have MY paperwork and some emails sent from XXXX XXXX I am sending along with this text. However, I will not be paying higher a mortgage next month. However, I will be a XXXX veteran because I can't afford a higher mortgage. But I will also send this information to the State Attorney General Office and to Consumer Affairs. Because I have a toddler and a teenager I have to try and shelter them. I did try to refinance with another company but I found out I have to wait a year due to the modifications agreement. Something quicken Loans didn't tell me about, I feel this company is based on one big lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-10-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I called American Express credit card company to request a total balance payoff figure and instructed the agent I wanted to pay the final balance and close the account. I was quoted a number of {$7500.00} by the agent as final balance. That dollar amount was dispersed to my card account at American Express with my instructions to close the account. The agent read me a statement saying the account was now closed. 

Around the first week of XXXX, 2020 I received a statement from American Express ( AE ) saying I owed approximately {$80.00}. I called AE three times and requested a manager return my call. I received one return call and I then tried to return that person 's call and spent one hour on hold waiting for the individual who was in a meeting. I finally gave up. I sent a certified letter to AE stating that I had asked for a final number and closed the account on or around XX/XX/XXXX. I stated I had no intention of paying any further fees. The card was can cancelled no charges were made by me. AE sent me a storm of letters all conflicting with each other about the status of the account. Another statement arrived saying I still owed the {$80.00} and late fees. 

I sent another letter with my original explanation and stating I would not be held to these fees since I has asked for a final balance and paid it. I was told that my account was accumulating " rolling interest '' and that I must pay it. I disputed this again, in writing saying I had asked for a final balance and paid it. 

I then received another blizzard of letters all conflicting with each other from AE. 

This so called rolling interest is not at {$110.00}. The latest letter said I must pay it as it is a part of the card holders agreement. My position is that this is just another hidden fee that credit card company harass customers into pay. 

I'm not paying. I will continue to fight this ridiculous matter even if I have spent hours and postage doing so. This type of fee charging must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: MD
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:
Citibank once again has allow an vendor XXXX XXXX  place reoccurring charges on my account without my consent or knowledge. 

I filed the same complaint with the CFPB back in XX/XX/XXXX, when Citibank did the same thing with vendor XXXX XXXX XXXX XXXX. 

I contact Citibank and went over in detail the only vendor that should have authorization to set-up reoccurring charges. Citibank ensured me no other vendor would be able to set-up said reoccurring charges without my express written consent. 

On XX/XX/XXXX, Citibank allowed XXXX XXXX  to place an {$12.00} monthly reoccurring charge on my account and has refused to refund and block said card from XXXX pacing any additional charges on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my credit report through XXXX XXXX XXXX   XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.

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 2020-10-14
Company: CORELOGIC INC
State: GA
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:
The following credit agencies XXXX XXXX Credco a.k.a. CREDCO, XXXX XXXX, XXXX XXXX, XXXX   obtained my credit report on ten different occasions without my verbal or written consent and claimed they had " permissible purpose '' and that it outweighed my verbal or written consent. I never received a written request from anyone asking to pull my credit nor did I receive a letter or phone call informing me that they had pulled my credit and for what reason ( s ). To date I have no received any info or updates about my disputes/requests for info. My Credit was pulled on : CREDCO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX *All ten of these credit pulls were HARD INQUIRIES and have cost me several points on my overall XXXX and XXXX credit scores. These 3 companies violated all types of FCRA laws, rules and regulations as my credit files were frozen during the times these credit inquiries were made and acted on by the 2 bureaus and credit companies. My credit reports were frozen during the following dates for all 3 bureaus : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-06-08
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Fith Third Bank has reported an amount that is not mine they are unauthorized charges They marked it PAID in the amount of {$1100.00} but the usage still shows 395 % Please remove the usage to 0 % Because if it is paid it should be at a 0 % if this is not removed or corrected i will exercise my rights to the Ohio Attorney General! I have Identity theft on my credit report i am giving you permission to call me to open my report to prove that i have identity theft for the next 6 years. I should no have to go through thousands of disputes and still not have something removed if this isn't removed i will take this to the next level and have the attorney general make this go news media! Please Remove ALL accounts from my credit report so i do not have to take this to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name

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 2020-08-21
Company: JPMORGAN CHASE & CO.
State: IL
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 customer service

Complaint:
On XX/XX/XXXX, I called Chase Card Services and i requested that my minimum payment for XXXX be {$0.00} due to Covid. I was assured by the representative that my payment due was changed to {$0.00} and not making a payment would not charge me fees and NOT make my account past due. 

I was shocked to learn that this was never done by the representative and i was indeed charged a fee and my account history of never ever missing a payment was blemished with a 'late payment '. 

I contacted a supervisor about this and was informed that somebody would look into this and correct the error but this was never done. I then contacted the Executive office and opened a case number XXXX and provided date and time stamps for the call. 

I was mailed a letter from the executive office stating that they did find misconduct on the part of the representative from XX/XX/XXXX where my payment was not made {$0.00}. No callback was ever provided as requested and now my account still deceptively reflects as past due. 

I believe these practices are injurious to me as a consumer and are unfair, deceptive and abusive. I believe the bank has tarnished my consistent history of never missing a payment and the standing of my account. Despite finding a fault on their end stated in writing on the letter mailed out with respect to XX/XX/XXXX, the bank has failed to rectify the issue and continues to injure me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: MO
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 had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
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:
There was a fraudulent account opened with XXXX XXXX without my knowledge. I was able to get the account closed and removed, but I was not able to get the hard inquiry removed. I tried to dispute the inquiry with both XXXX XXXX and with the bureaus, but the claimed they could not remove it and it would just " fall off. '' Not sure what else to do, but I don't want to wait until it falls off.

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 2022-08-09
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am appalled with Freedom Mortgage and the lack of communication along with disclosure for a recent loan refinancing at my property at XXXX XXXX XXXX XXXX. I spoke to XXXX XXXX ( Salesperson and Agent ) at Freedom Mortgage with an interest of a refi on a VA loan wherein I was to keep my place in the term of the loan, but reduce my interest rate from 3.25 % to 2.37 % which I agreed to. I signed a closing disclosure during the course of the contract presentation showing that my costs were to be {$3900.00}. I accepted that bi-lateral contract and electronically signed the document for closing. I was contacted later to set up a closing date which I accepted to be XX/XX/2020. 

The notary brought the necessary documents to my home on XX/XX/2020 for signatures and authentication. When he got to the Closing Disclosure, I noted that there was a stark contrast in the closing costs. My original agreed upon closing cost was {$3900.00}, but the document presented was {$6800.00}. 

I want to be made whole for the time that I took to go through this engagement which my wife took off from work. I also want to go on record that Freedom Mortgage unilaterally changed my closing cost without any disclosure to me or any amended offer. I feel like the tactic is a 'Bait and Switch ' wherein I was induced into accepting one thing and delivered another. The final cost was a difference of {$2900.00} I want to put this out there for all to see because I have been a long standing customer in good faith who pays my bills on time, and I am a veteran who accepted to defend our constitution. 

I want Freedom Mortgage to extend to me some complimentary offer monetary or something of extreme value to make this right. 

I may be left no choice but to give this over to a Real Estate Attorney or the Attorney General 's Office to let them know about this type of practice.

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 2020-07-02
Company: EQUIFAX, INC.
State: PA
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:
After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation