BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: AMERICAN EXPRESS COMPANY
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 rewards from credit card

Complaint:
I applied and was approved for the American Express Business Gold Rewards Card on XXXX/XXXX/XXXX. The offer at the time of application was XXXX American Express Membership rewards if I spent {$5000.00} within the first 3 months. I used the card to make purchases that met the threshold and was awarded the points on XXXX/XXXX/XXXX. After the points were awarded, I need to make a return of a purchase. American Express then removed the XXXX points from my account on XXXX/XXXX/XXXX. Per the original agreement I still had until XXXX/XXXX/XXXX to meet the minimum spend of {$5000.00} which I did on XXXX/XXXX/XXXX and posted to account prior to XXXX/XXXX/XXXX. I have spoken to customer service several times since meeting the minimum spend, each time with no resolution and only told to wait. I have now waited 2 months without resolution. I have met the terms of the agreement and should be given the XXXX points I earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
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: Account information incorrect

Complaint:
This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I was incorrectly billed and I have proof. 

Please review attachments!

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Unauthorized Credit Inquries on my Transunion credit report! I have attempted to have remove several times. Contacted companies they couldnt find inquirys contacted transunion and they were rude in wiling to help. 

Inquirys are as listed that I never authorized. 
1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXXXXXX XX/XX/XXXX 4. XXXX  XXXX XX/XX/XXXX 5. XXXX main XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-07-21
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I requested income directed reduced payment forms, I completed the application online, they said they never received it, I asked for a paper form completed the form and returned the form, now they are saying it was not completed so, I asked to be sent the form again, it was emailed to me, I tried opening the form it only opened a summary page. I need to complete this process because I am now retired and have only social security as my income base.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions 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:
Experian did not fully investigate nor provide and factual acknowledgement of proof of accurate details, they did not send me any physical proofs that I signed anything on a XXXX XXXX account, I never had nor purchased, nor signed for any product ... absolute fraud, and they are suppressing my credit score causing me financial stress due to it ... XXXX XXXX has been removed by XXXX XXXX, and XXXX..and my fiche score is XXXX and XXXX reflectively, Experian who never answers their phones, a violation under federal code ... has my score at XXXX when I have never missed a legitimate payment of mine ... always on time ..they also are holding a fraudulent account, XXXX XXXX in my file, which is completely erroneous, as well as a company or bank name XXXX XXXX XXXX. who I did not purchase a XXXX thing from ... complete fraud ... Ive filled out fraud packets for all of them in XXXX of 2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I request your help in enforcing your action against XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX, Case File No. XXXX. 

I recently began the process of buying a home, as part of a background check it was discovered that there is a judgement against me by Chase Bank through XXXX County Superior Court Case No. XXXX dated XXXX/XXXX/XXXX in the amount of {$3600.00} I was shocked to find this judgement because I was never served a Summons and was totally unaware of any legal action against me. 
XXXX Court records show that Chase Bank submitted a Proof of Service Summons and  Complaint saying that on XX/XX/XXXX they served me at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, this is not possible because I moved from this residence in XX/XX/XXXX 

So, I began looking into this and found your action against Chase Bank. 

The action ( Case File No. XXXX ) which addresses all Chase Bank credit accounts in Collections litigation, etc. that were pending anytime between XXXX XXXX XXXX and XXXX XXXX XXXX, clearly states that Chase Bank was involved in exactly the type of activity I have found myself a victim of. 

Please see paragraph 76 c. of your order of XXXX/XXXX/XXXX. 

I request your help in demanding that Chase Bank immediately take any and all necessary steps to remove this judgement from the court records. 

I have attached all XXXX County Superior Court records I could find. and ask you to also refer to your action against Chase Bank as listed above. 

thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
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 sent chase auto, XXXX XXXX and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have written XXXX about a collection on my report. They have done nothing to resolve the issue on over a year! I AM SICK OF IT!!!! Don't know this company! Never heard of them! All the other credit agencies have done the proper investigation and have removed it, but XXXX continues to have it cause my credit to suffer!!! I have all my certified mailings in regards to this request if needed.

ALLIED COLLECTION SVCS 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 2022-01-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions 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:
They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my report as inquiries as they are fraudulent

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 2022-08-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of 2018. I was incorrectly billed and I have proof. 

Please review attachments!

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 2019-02-08
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - I recently paid my mortgage down from XXXX ( original loan amount ) to XXXX. The balance is 78 percent of my loan amount. I just spoke to my lender, First National Bank, and requested that Private Mortgage Insurance be removed. They said that I must first submit a {$400.00} check for an appraisal to determine the value first. But it appears in this post and in looking at the legislation that that should not matter. The determination legally should be made on my original value amount, not an appraisal. This insistence that I pay them {$400.00} for an appraisal seems like an egregious attempt to circumvent consumer protection law. If they are relentlessly giving me the run around on this, how many other people are they doing this to?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
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 is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CITIBANK, N.A.
State: IL
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:
Citi sent a promotional e-mail for my XXXX XXXX XXXX card on XX/XX/XXXX with a subject line of " Don't forget, XXXX, starting next month you'll earn more at restaurants and gas stations ''. I did not read the e-mail and deleted as I don't typically read promotional e-mails. 

On XX/XX/XXXX Citi sent a second e-mail which stated " Corrected subject line : Don't forget, XXXX, starting XX/XX/XXXX, you'll earn more at restaurants and gas stations ''. When I saw " corrected subject line '', I decided to open the e-mail and see what the e-mail was in regards to. There are two pictures and three paragraphs which refer to earning 2xs miles at restaurants and gas stations and a {$100.00} flight discount, among other things. Some of the text is bolded and some information was included in large red boxes. However, when you scroll to the end of the message, in the very last paragraph, with text that is NOT bolded or in a red highlighted box, they disclose the annual fee will be increasing. 

This seems like the definition of deceptive. The increased fee should not be buried in the bottom of a promotional e-mail after the new benefits are highlighted, which is not in the same font/size as the promotional information, and the subject line does not reference the fee.

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 2021-02-17
Company: eToro USA LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer on XXXX to Etoro exchange US and they acknowledged it but it did not post to my account. I opened a complaint cases XXXX, XXXX, XXXX attempting to resolve where my money was. I received responses and uploaded bank statements identifying myself and my spouse until XX/XX/XXXX and then they stopped. I then called my bank to attempt a reversal of the bank wire on XX/XX/XXXX and put in an FTC complaint on XX/XX/XXXX. Within minutes of the FTC complaint all of my cases got a response that they will send the money back. I am waiting but not confident this will happen and I want this documented in case anyone else goes through this " virtual Loan '' Etoro has had with my money in limbo as their float.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MD
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: BMW Financial Services NA, LLC
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:
Telephone payment made via BMW system. The system did not post the payment at the time payment made. I discovered this error made by BMW payment system and notified BMW Bank. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by BMW Bank to consumers allowing the processing of payments is not infallible. BMW to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In early XXXX XXXX, I called XXXX XXXX, I explained that my husband was laid off in XXXX XXXX. They put us on a 6 month forebearance plan, the details were as follows : 6 month plan, monthly payments of {$250.00}. XXXX XXXX was the last month on the plan, I paid more than the amount requested. I asked " What happens when the 6 months are up and my husband is still unemployed '' I was told you can re apply and we will extend it. On XXXX XXXX I re-applied for the extention and I was surprised when I was denied, because our mortgage was in default by 9 months. Of course it 's in default, I was only supposed to be paying $ XXXX/mth. I  will continue to try and make payments, but I was told eventually it will get to the point that my mortgage will go into foreclosure and I will not be able to make single payments

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 2021-12-08
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: Was not notified of investigation status or results

Complaint:
I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from 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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXk/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 2018-01-18
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I sent a letter to Experian XXXX and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.

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 2018-01-18
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: Problem with personal statement of dispute

Complaint:
I sent a letter to XXXX XXXX and Equifax stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.

Company response to consumer: Closed with explanation