BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Well, I have been struggling with XXXX  since XXXX which includes XXXX. All of this was to straing for my XXXX culminating with my having XXXX surgery XXXX XXXX XXXX 
As part of XXXX relief I was given amnesty for my mortgage, but American Express lowered my credit on my Gold Card from no limit to a $ XXXX credit limit and stopped charging me the {$250.00} annual fee for the Amex Gold Card. Last month XX/XX/XXXX American Express placed a {$250.00} annual fee back on my Gold card but refuses to return the card to a unlimited status. 
This means I am charged {$250.00} for a {$2000.00}. Credit limited card, this is more than 10 % of the credit limit, eventhough I have never had an issue making my Amex payment prior to the credit limit placed on a unlimited credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021, {$29000.00} walk-in wire at Chase Bank XX/XX/2021, {$3500.00} online wire at Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: Account status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter XXXX, XXXX and EQUIFAX in regards to these accounts on XXXX, XXXX, XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received a report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CORELOGIC INC
State: NC
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:
On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my XXXX  Credit File. I immediately logged into My XXXX  and saw a posted Inquiry from CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting CREDCO, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with CREDCO. 

I filed a dispute with XXXX  to remove this erroneous inquiry but XXXX  simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to CREDCO. 

I am requesting that XXXX  DELETE this erroneous inquiry which according to CREDCO does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-14
Company: EQUIFAX, INC.
State: IL
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: Other problem getting your report or credit score

Complaint:
I am a former employee of XXXX XXXX, out of XXXX XXXX XXXX, Fl. Right before I was laid off from XXXX XXXX, they merged with XXXX XXXX. I called XXXX 's today to request my exact start and end dates of employment that I need for a home loan. They referred me to Equifax ( XXXX ). After a drawn out process of the phone menu, leading me to wrong departments, I finally was able to speak to a representative. She verified some information, and asked me why I was requesting this information and I told her it was for a mortgage application. She then proceeded to tell me that she can not give it to me and that the mortgage company that needs the information, would have to contact XXXX. This is preposterous!!! I can not get my own information, but a third party most certainly can ( for a fee, I'm guessing )!?? I was able to pull up my own prior work history but lo and behold, this very one that I need, is NOT on it. All other employers were able to give me the information I asked for, after verifying it was me, over the phone and this is a bogus bad practice effort, either by XXXX 's, Equifax or BOTH. The mortgage company is not going to PAY for information, that I should be able to receive, that is my OWN PERSONAL information. If I sent this loan application through without this information, the mortgage company will STILL need the exact dates and will hinder the quick process of the application. This should not be allowed and I don't know how they are getting by with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. 
Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor Synchrony Bank . Lastly, after doing so, Synchrony Bank still sold the debt.

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 2021-11-12
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX contacted me after I sent them a cease and desist about an invalidated debt. They made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 XX/XX/2023 XXXX XX/XX/2023 XXXX & XXXX BANK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
CapitalOne Quicksilver credit card advertised {$200.00} bonus if you spent {$500.00} in 3 months I applied and was approved. There was nothing I saw that was different and I was approved immediately. 

My card was opened in XX/XX/2022 and by XXXX I had already spent over the {$500.00}. 

After the 3 month period in about XXXX I realized I had not received my bonus. I called the company and was told the card I got was not the one with a bonus. Its got the same name and everything else, there was no way for me to know it was a different card. I was never given any options to decline the card due to it being different. I feel this was a bait and switch scheme and tried speaking to a supervisor but was told there was nothing they could do. 

I am still upset over this and havent done anything else simply because I havent know what to do until I found this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company violated the fdcpa by repeatedly calling me after I stated that all communication should be done via mail. I have also received calls from family and friends that Ally Financial has called and texted them numerous times about an alleged debt owed. This is not only a violation of the law on my behalf, but also on my family and friends behalf too. In order for Ally to furnish information to credit reporting agencies they need my permission and validation of the debt. I do not own any debt. Debt is an obligation therefore this debt is not my obligation and the alleged amount owed is null and void. Only the consumer can validate a debt, I am the consumer and deny all allegations of debt owed by me to Ally and demand that my credit report reflect such. 15 usc 1681 ( b ) states If the transaction being reported on a consumer report is not a consumer credit transaction, it can only be reported with permission from the consumer 15 usc 1681b ( c ) ( 1b ) ( iii ) states a consumer has the right to privacy and can ELECT to have his name, address, and any other information excluded from a consumer report. I ( the natural person ) didn't initiate any transaction, the corporation/organization initiated the transaction.

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 2018-02-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
A old debt still remains on my credit report, Account XXXX XXXX Bank Account XXXX XXXX Account Type XXXX Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User

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 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 an application for Bank of America Travel Rewards credit card was processed without authorization and Bank of America processed a hard inquiry pull using my information. This is not the first time Bank of America has allowed accounts to be fraudulently opened as someone used my information for a mortgage when I was only 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with US DEPT OF EDUCATION , XXXX XXXX XXXX  and XXXX XXXX, ./// XXXX, XXXX and TRANSUNION willfully violating the FCRA . Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX/// XXXX, XXXX and TRANSUNION based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// XXXX, XXXX and TRANSUNION are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX, XXXX and TRANSUNION need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy . My consumer right to privacy has been breached in multiple counts, for multiple accounts by these agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX, XXXX and TRANSUNION may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE all accounts associated with US DEPT OF EDUCATION , XXXX XXXX XXXX  and XXXX XXXX immediately from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: OH
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

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

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 2021-11-12
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for borrower defense from student loans from XXXX and XXXX XXXX XXXX XXXX for fraudulent claims, claiming that 90 % of graduates had jobs in their field of study within six months of graduation. They also claimed that on average, XXXX graduates earned 15 % more than other graduate institutions and this was a false claim as well. On XX/XX/2020 I reached out to Federal Student Loan to receive a status update on my case via their message center and I received no response concerning my case. 

See my message to them below : Hi Please provide an update on the status of my claim regarding XXXX and the fraudulent and misleading claim, that 90 % of graduates had jobs in their fields of study within six months of graduation. They also claimed that on average, XXXX graduates earned 15 % more pay after graduation than other graduates of institutions, this claim was false and very costly to me. Please advise where we are in the process of reviewing my claim. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a new checking account with Citi bank who had a promotion for {$750.00} bonus if deposited {$100000.00} for 60 consecutive days. I opened account and when I got the ATM card in mail deposited $ XXXX ... unfortunately Citi put in their system it was only XXXX. After weeks of trying to figure out what happened i deposited another XXXX for a total of XXXX. I left in there for at least 6 months waiting for bonus. Citi then told me they did not get the minimum deposit withing 20 days of opening so I do not qualify. The entire error was their fault and they dont want to give me my bonus.

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 2019-04-25
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is Ms XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. 

I believe I am due damages I have called asked them to stop, they resume calling the next week. This time it is MS XXXX, last time it was

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 2019-11-13
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Upon opening a statement from XXXX. XXXX via Comenity Bank, the first I have ever received, I saw 13 charges between XX/XX/XXXX-XX/XX/19 totaling  XXXX. I did not make these charges. I was not aware that I had a XXXX. XXXX credit card. I do not know what the account number is. 

I called the Comenity Bank using the phone number on the bill twice. I hung up after being put on hold for an hour the first time, a half hour the second. This is a very sorry state of affairs. I was able to report the fraud the 3rd time I called. 

I will be reporting this fraud to the XXXX XXXX XXXX Police as well as sending a letter to Comenity Bank identifying the charges, all made through XXXX, as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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