BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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:
I XXXX have sent XXXX  and Equifax my ID social security number to verify my information. i have sent them valid police reports from me walking in to the police departmant i have file a FTC report with more then 20 Inquiries that the perpetrator did as i am a victim of identity theft. Please see my attached documents. XXXX  can not say that it was a company that filed this complaint. please submit my request. There has not been nothing independently verified but automated emails that say the same thing,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express advertises it's " Purchase Protection '' as a perk of their cards ( https : //www.americanexpress.com/en-us/credit-cards/credit-intel/purchase-protection/ ). However, what they don't tell you is that it doesn't actually provide any protection because it's secondary insurance and in order for them to actually cover anything you have to first make a claim on your home owner 's insurance or renter 's insurance. So if you have say a {$1000.00} loss within the advertised 90 days ( their maximum coverage ), and your home owner 's insurance has a {$500.00} deductible, American Express will pay at most the {$500.00} deductible and your home owner 's insurance would pay the rest ( but then your home owner 's insurance policy would go up the next year more than the {$500.00} they paid out ). This fraudulent misrepresentation of the " purchase protection '' on their website and in their advertising makes consumers believe they have purchase protection when in fact American Express has no intention of making good on their promises. I had this exact situation happen to me where I made a large purchase on my American Express card XX/XX/20 for {$2500.00} thinking that I was covered. I had to have the item repaired on XX/XX/20. Both the initial purchase and the repair costs were charged to American Express. American Express then refused to covered the {$1000.00} they advertise unless I make a claim on my home owner 's insurance, and then XXXX would only cover the {$500.00} deductible. They know that it makes no financial sense for home owners to make such a small claim on their policies because the insurance costs will go up the customers, so their " purchase protection '' program is worthless to anyone that owns a home or has renter 's insurance ( i.e. the vast majority of people ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I feel like this bank, PNC is discriminating against me and XXXX  XXXX, my account has been frozen for a fallacious report of a XXXX  wire transfer. It has been nearly 2 months since my account has been frozen. This will put us XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX has yet to respond to PNC. I have provided documents to PNC regarding the wire transfer and they are moving very sluggish and treating me as if don't matter. They freeze all of my money in my account being over {$100000.00} legit hard earned money. Updates have been slow and not anything at all. I feel like we are being mishandled as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2021 National Credit Systems on behalf of my former landlord, XXXX XXXX, XXXX, placed collection on my credit report for {$21000.00}. 
NCS acct XXXX Prior to this I submitted a dispute to NCS for the amount charged and being collected with explanation. NCS stated the information was insufficient to validate, dispute or revise their records. The dispute included Federal, XXXX and local statutes, executive orders which were in place that prohibited any eviction. My response also stated that we vacated the property, at the XXXXXXXX XXXX XXXX  XXXX XXXX listed a named individual and referencing email ) on XX/XX/2021 and that the charges listed by the landlord were billed through XX/XX/2021. This also is evidenced on the eviction order. 
A dispute and response was filed with the district court within 1 day of notice and stamped by the clerk. No hearing was held, no state, local or federal statute was followed whereby a hearing should take place under my rights, nor has the landlord, its lawyers, or NCS provided me with the required tennet information in writing, outlining the protections that were and remain in place for tennents on the same day the eviction was filed. This is a XXXX law. 
Te landlord charges list late fees which are also banned under the Federal, Executive Order by Florida XXXX and CDC moratorium which are invalid. 
A XXXX hardship form had been supplied to the landlord months in advance of eviction filing and is on record. 
Gate passes were charged as not being returned when maintenance staff were told where they were in the unit in the main entry table. 
The XXXX and Eviction Moratorium also states that misleading statements about this order used to collect a debt or rent is a breach of Federal law. 
No charges should have accrued past XX/XX/2021 yet they are listed and charged through XX/XX/2021. 
No itemized water, sewer or cable charges have been supplied to me. Any rate could be listed and the calculations remain unseen to validate them. 
The landlord stated that they never intended for eviction to occur as they were seeking funds from XXXX XXXX Cares which were approved and due to be disbursed on XX/XX/2021, per XXXX XXXXXXXX XXXX. This is evidenced in emails from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX who had to withdraw the funding as it had already been allocated and was being sent to XXXX. XXXX has not shown any evidence that they did or did not receive funds from XXXX XXXX XXXX or their correspondence to such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Personal information incorrect

Complaint:
The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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 information incorrect

Complaint:
THIS FINAL DOCUMENT SHOULD HOPEFULLY AND FINALLY RESOLVE THIs ISSUE. THIS IS NOT A DUPLICATE COMPLAINT. I have an account that is being incorrectly reported on by Equifax and XXXX. XXXX has finally corrected the issue on their end. Account number XXXX through XXXX XXXX XXXX ( originally through XXXX ) should be reported as Paid in XXXX and Closed as of XX/XX/2016. Equifax is incorrectly still displaying this item as open. XXXX is displaying this item as in Collections as recently as XXXX of this year. It needs to reflect that it has been paid in XXXX and closed since XX/XX/2016. I have included a correspondence with XXXX XXXX XXXX explicitly indicating the correct status and Paid In XXXX  and Closed and also the Date which the account was closed XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear Sir : I wish to bring a matter concerning Synchrony Bank to your attention. Over a year ago I opened a credit account with Snynchrony Bank for {$1200.00} in Dental expenses. The account offered 0 percent interest if the amount was paid in full within 18 months and punitive interest rates on the whole amount if not paid in full. I understood that. Synchrony never sent me any statements, instead they sent monthly emails listing my balance and a " Total minimum payment due. '' The email offered a link to my statement if I wanted to take the trouble to go to their site log in, password etc which I recognize I should have done. In fact in spite of my knowing that this was designed as a snare for the unwary, I allowed the period the grace period to expire. My fault, they won. 
Except : every email stated a minimum payment due which I was always careful to meet and usually paid more than the minimum. 
From XXXX : The minimum monthly payment is the lowest amount a customer can pay on their revolving credit account per month to remain in good standing with the credit card company. Making the monthly minimum payment on time is the least a consumer needs to do to avoid late fees and to have a good repayment history on his credit report. 
I call your attention to the part of the definition of minimum payment above that says : " the least a customer needs to do to avoid late fees. '' I say that including a minimum payment amount in the email and no other information is misleading. 
If they had not listed a minimum payment in their emails, I would have had to seek out the statement and realized the situation. Or if they had mailed paper statements, I would have caught it. I admit it, I was lazy and too trusting. Whether they were deliberately misleading to the point of crossing the line from merely unethical to actively fraudulent I leave to you as a disinterested observer. 
Thank your for your time, XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX email : XXXX phone:XXXX extracts from 2 Snychrony emails for reference : From Synchrony ; XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$580.00} Total Minimum Payment Due : {$27.00} Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details. 
XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$34.00} balance {$580.00} interest {$460.00}

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 2018-06-13
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I became aware that a creditor on a loan I recently paid off, XXXX XXXX, reported me 120+ days late the next month on my Transunion report. This was a surprise to me, as I had a good payment history with this company and had paid the loan off early on XX/XX/XXXX. They had even sent me a Paid In Full letter on XX/XX/XXXX thanking me for being a good customer, having a positive payment history, and inviting me to apply for a loan in the future. I never received any communication from XXXX XXXX that anything was wrong with my account. My Transunion report prior to XX/XX/XXXX reflected the accurate positive payment history I've always had with this creditor. On XX/XX/XXXX I mailed a dispute to Transunion via Certified Mail Return Receipt requesting investigation into these errors. I sent a cover letter, a copy of my credit report with the errors circled, bank statements showing full on time payments for the months in question, bank statement showing the final early payment in XX/XX/XXXX, and a copy of the Paid In Full Letter from XXXX XXXX dated XXXX to support my request ( all uploaded for your review ). 

I just received the results of my investigation today XX/XX/XXXX via mail. The errors were only partially corrected, despite providing documentation of my positive payment history. The report now reflects disputed information updated : Pay Status remained " Account 120+ days past due date '', late monthly payments were removed in the monthly detail now showing OK, balances were changed to {$0.00}, Last Payment Made shows XX/XX/XXXX, and a notation under the date closed on XX/XX/XXXX stating " Maximum Delinquency of 120 days in XX/XX/XXXX ''. 

The results from this investigation do not make logical sense. I did not make my final payment on XX/XX/XXXX, but rather on XX/XX/XXXX. How is it possible that the monthly detail shows on time payments, but then the Pay Status reflects 120 days past due which contradicts the monthly detail? How can there be a note stating " Maximum Delinquency of 120 days in XX/XX/XXXX '' with my monthly detail showing on time payments? I do not understand how this information can be verified as accurate when I have provided upfront documentation demonstrating otherwise. Please help me make sense of this. I am a retired XXXX veteran living on XXXX ; my credit rating is essential to my quality of life. These changes Transunion has " verified '' as accurate have destroyed my credit and negatively affect my quality of life. I respectfully request that your agency investigate this matter on my behalf. Thank you.

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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2019-09-13
Company: WESTERN UNION COMPANY, THE
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2019 XXXX : WIRE TRANSFER To whom it XXXX concern : I went to transfer money via Western Union XXXX at a local XXXX only to be told that I was forbidden to transfer said money as there was a security issue which has been present since XXXX of 2019. I have sent numerous emails and spent hours on the phone to have this issue addressed to no avail. Please remove this alert or provide a detailed explanation as to why I am unable to use your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Credit Protection Association, LP is attempting to collect on a disputed bill from XXXX XXXX. I have been in contact with XXXX and the FCC regarding this matter for several months. Nonetheless, in spite of the amount being disputed XXXX placed the account with this agency. The agency was previously notified that the amount is disputed.

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 2018-06-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian has not sent me ay verified or original documents of the creditors documentations on file to verify and bankruptcy that wa place on my account under sections law 616 and 617 if they don't do within 30 days it is to be deleted immediately they have failed to comply with my request and under the FCRA they stated this account has been verifiednbut has not provided me documentation

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 2020-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took out a cash advance in the amount of {$1500.00} with Capital One on XX/XX/XXXX. I was told at that time i will be charge an Cash Advance interest Fee until the {$1500.00} is paid back. I have paid the amount back in XX/XX/XXXX but, Capital One is still charging me The Cash Advance interest fee. When i contacted them i was told they will continue to charge me the Cash Advance interest charge until the full balance on the card is paid off. Which was not the agreement initially. Now Im being charged interest twice on the card because there is a balance & in addition to a Cash Advance Interest which i should not be charged for because i paid back the {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XX/XX/2018 ) 2 ) XXXX XXXX (XX/XX/2018 ) 3 ) XXXX XXXX ( XX/XX/2018 ) 4 ) XXXX XXXX ( XX/XX/2018) 5 ) XXXX XXXX (XX/XX/2018 ) 6 ) XXXX XXXX ( XX/XX/2018 ) 7 ) XXXX XXXX ( XX/XX/2018 ) 8 ) XXXX  XXXX ( XX/XX/2018 ) 8 ) XXXX ( XX/XX/2018 ) 9 ) XXXX XXXX ( XX/XX/2018) 10 ) Transunion ( XX/XX/2018 ) 11 ) XXXX XXXX XXXX  ( XX/XX/2018 ) 12 ) XXXX XXXX XXXX ( XX/XX/2018 ) 13 ) XXXX XXXX ( XX/XX/2018 )

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 2018-06-13
Company: Weinberg Mediation Group LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Left several messages with the following on our voice mail : " This is a final courtesy call with the Weinburg mediation group. Before reporting that you have been uncooperative with the investigation against you. If we do not hear from either yourself or your legal representation today, we will be left with no other recourse other than to report your non compliance in this issue to the proper jurisdiction. Our office number is XXXX. '' When we spoke to them to let them know that my husband is military so garnishing his wages would be illegal he than cursed at us and said he'd see us in court after they sue us. They've also said that he would need to be at his job the next day because they would be coming to serve him court papers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had a Bank of America prepaid card where my unemployment benefits were deposited. On XX/XX/2021 my account was hacked and I lost {$3000.00} dollars. I spoke with Bank of America on several occasions and did not receive a solution. On XX/XX/2021 I was informed the money fraudulently withdrawn from my account will not be reimbursed by Bank of America. I want to know if there is anything else I can do to dispute this decision.

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