BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: AMERICAN EXPRESS COMPANY
State: DE
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 applied for an Amex XXXX card last year around XX/XX/2018 under a promotional term to earn XXXX points after account opening and spending {$3000.00} in the first 90 days. I spent more than {$3000.00} during the first 90 days and confirm my promo eligiibility and spent thresholds with an Amex customer service rep via chat. The rep confirm my eligibility and meeting the spent requirements and I was assured to earn the bonus. I never received my bonus. I contacted Amex again on month 5 and a phone rep promised to perform the research and get back to me. I have never received a call, email or secured message from Amex. Eight months into my account, I open a secured chat line again to inquire about the prior two case submitted. A rep performed the review and said I am ineligible because I did not report my case on a timely basis and confirm that based on his review, I did spent over $ XXXX within the first 90 days but there is nothing he can do.. I am upset at the bait and switch tactic at American Express. I paid a {$95.00} annual fee for the benefits and bonus opportunity but was never able to realized it due to deceptive and misleading advertising by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.

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 non-monetary relief
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo closed my credit card acct even though payment was satisfied for that month in cash payment inside branch. 

Wells Fargo had initially responded I didn't. 

Wells Fargo has gone over the limit on days to respond to my request and has already REPORTED the negative status to my credit 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 2021-07-15
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2021 my wife and I needed a new furnace ir heat system according to XXXX XXXX. We applied to get the funding needed for the new system. We were turned down because of a low credit score. My wife talked to her parents to see if the could " cosign, '' for the loan. Information was given to XXXX XXXX representative and my father-in-law 's information was submitted to Wells Fargo under the pretense that my father-in-law was going to be the cosigner. The amount of the money needed to do the job was quoted at {$12000.00}. Both of us were notified that the loan was approved. We later found out that Wells Fargo was not provided with any of my information as the primary also my father-in-law 's Wells Fargo account was attached to the loan to which none of that information was given as I was there when the information was given to XXXX XXXX. 
I have been making the set up payments on the account but not getting credit for the payments on my credit report which is what has my in-laws bothered about. I have been told in order to fix this issue the account has to be closed and new application resubmitted. 
I feel that this was not handled in the manner that was specifically talked about prior to the application being submitted and further shoild have never had my father-in-law 's account attached to this. XXXX XXXX had my XXXX XXXX XXXX information not the Wells Fargo information. 
I do hope to get this all corrected as soon as possible.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trans union : On going credit changes due to charge accounts going up and down payed many cards off, no Balances for more than a month dropped my score 60 +. Taken longer to raise my score back up credit is exceptionally well. 

How can you drop your balance, decrease 's and your score goes down 24 PTS.??? 

XXXX  ; same solution but better but not fast to increase your score based on traditional percentage use. 


Thank you for all your help 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 2018-04-18
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 status incorrect

Complaint:
I filed a CFPB compliant against XXXX XXXX. They said it isn't them that is misreporting the data. Yes, a foreclosure was started by XXXX XXXX  in XX/XX/XXXX but, the house was short-sold in XX/XX/XXXX and it never foreclosed. Experian is showing in the 24-month payment history a Charge off status XX/XX/XXXX. This is an error. You can see the other 2 bureaus do not report this information. This issue is causing me a mortgage decline because my lender says my house was foreclosed not short sold which is wrong.

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 2019-06-04
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX ; Unknown : 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 non-monetary relief
Consumer complaint received 2017-09-24
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: Account status incorrect

Complaint:
For approximately the previous month I have been working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove an account from my Trans-Union Credit Report. Today 9/24/2017, approximately XXXX CST, I called the customer service line for transunion. Initially I spoke with a gentleman who identified himself as " XXXX '' an alias used by the XXXX, XXXX Call Center for Transunion/XXXX. XXXX transferred me to " XXXX XXXX '' another alias working in the country of XXXX as well. XXXX refused to provide an operator ID, Refused to identify which city the call center is located within XXXX, refused to answer basic question about the company or Transunion as a corporation. When XXXX got on the line she said only, " this is XXXX, I 'm a supervisor ... '' I asked what company she was employed by, and XXXX refused to even identify her employer. Based on Transunion 's website the information should have been : TransUnion XXXX XXXX ( Formerly : XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX Tel : XXXX XXXX XXXX XXXX XXXX XXXX.
But the operator refused to identify any information. XXXX also advised she could not transfer me to a U.S. based call-center. My call was originally about the mis-reporting of a closed account by Transunion but has now, following my interaction with the third party call-center for Transunion, makes me concerned the alleged representative may have ill-intent. With the current climate and the bureaus breaching the trust of millions of individuals the idea of speaking with anyone who can not answer generally searchable information about their alleged company makes seems like a major red flag.

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 2019-10-23
Company: Commonwealth Financial Systems, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Commonwealth Financial Systems LLC, recently ( between XX/XX/2019 ) added a collection account on my credit reports for the amount of {$370.00}. I was never told about this debt. Commonwealth Financial Systems LLC, never sent me anything in the mail or by phone call regarding this debt. I still dont know what its regarding as I havent received anything from them. By law, they had to give me proof of the debt I owe prior to submitting this to the credit bureaus as I have the right to resolve the debt or to dispute it. I couldnt do so as they just put it on my credit reports without any notice at all. Commonwealth Financial Systems LLC,  did not go about this process legally so therefore the debt should be removed from all of the credit bureaus. I will fight this until the end, they will not get my money. I cant even confirm if this debt is actually mine. Im told its from a healthcare facility in MD or says the credit report information. Yet Ive never been to a healthcare facility in MD. I dont even live in MD and I never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This card was fraudulently opened in my name it was not me and i need it resolved as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 accepted an online promotion from Bank of America Unlimited Business Cash Rewards for a {$300.00} statement credit after expending {$3000.00} in 3 months. After expending the {$3000.00} in less than 3 month, I never received the statement credit, now they said that the promotion was {$500.00} for {$5000.00} expended. I'm sure that I'm on the right because I took notes about it, just to remember by when I'm supposed to expend the {$3000.00}. I don't have any screen shots of the promotion, but there should be a record of the promotions that they are running at a particular time. I filled the online application on XX/XX/, I received the card and activated it on XX/XX/22.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account is continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX OF XXXX XXXX Balance {$0.00} Opened Date XX/XX/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 2018-02-13
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: Their investigation did not fix an error on your report

Complaint:
There are a number of accounts showing on my Experian Credit report that I do not believe are mine. Experian has failed to provide a method of verification to prove these accounts belong to me and should remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
XXXX, XXXX, EXPERIAN and XXXX XXXX XXXX are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX , they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, and EXPERIAN has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2019-01-16
Company: EQUIFAX, INC.
State: MS
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 reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX, XXXX 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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a credit score of XXXX or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.

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