BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: AMERICAN EXPRESS COMPANY
State: TX
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 for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. this is truly misleading and mischievous. Now they would not let me talk to a supervisor. I saw that promotion on XXXX XXXX  website and decided to apply to get those miles. Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
A fraudulent Bankruptcy is being reported. This Company reported the data provider as The US XXXX  Court In XXXX. Additionally, they listed XXXX as a provider of the public record. Documentation from the Court in question and The Data provider XXXX XXXX has been provided. XXXX has requested the item be removed and denies the confirmation of the reporting.

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 2021-02-10
Company: Delta Management Associates, Inc.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yesterday, XX/XX/2021, I filed a complaint against this company, Delta Management Associates , Inc. Today, XX/XX/2021, they called the XXXX of my school, his Administrative Assistant, and Human Resources to " verify employment for someone in the XXXX XXXX  Office ''. The Human Resources staff member forwarded me the message left on the Superintendents phone and it was left by a XXXX XXXX, Reference # XXXX, and to return his call immediately at XXXX XXXX. '' While the message was being left, the Admin Assistant to the XXXX received another phone call from woman who wouldn't give her name and wanted to verify my active employment and asked for her to give out my SSN and date of birth. Instead, the HR staff refused and tried to get her name and phone number and then hung up. 
Immediately, my work day was interrupted with this harassment, embarrassment, and stressful situation. I have repeatedly informed Delta Management Associates, Inc that they have the wrong person and our SSN were mixed up, the person they want has a birthdate in XXXX and lives in Minnesota. 
The man and woman of Delta Management were exceptionally rude, not willing to listen, and said they would continue to call until they get the information to collect an outstanding student loan debt of over {$200000.00}.

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 2020-10-16
Company: LEXISNEXIS
State: NY
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:
After I was a victim of identity theft I contacted Lexis Nexis in good faith to place a security freeze on my Lexis Nexis file.I recieved a letter from them on XX/XX/XXXX confirm that the security freeze was in effect and would remain until I asked for it to be removed.However in XXXX of XXXX a third party with ill intentions claims that they recieved infomation about my credit file dirrectly from Lexis Nexis.This is a breach of the security freeze from XX/XX/XXXX and a violation of the FCRA.I trusted Lexis Nexis to be responsible and protect me from being exploited by companies looking to buy my information from them.I sent a certified letter to Lexis Nexis asking them to explain their error but they never responded back to it. At this point I am considering filing a small claims action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It was {$100.00} {$48.00} 2 times that was purchased on XXXX my information was compromised are trying to steal my XXXX XXXX account some online hacker XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance process with Flagstar in XX/XX/2020. I was told this process would take a couple of months. It has now been 6 months and the refinance has not closed. While I am frustrated by the delay, my complaint is related to what appears to be an attempt by Flagstar to change the terms of the refinance without my knowledge. 

My closing was scheduled for XX/XX/XXXX. Several days prior, I received a closing disclosure in the mail. The closing disclosure stated that my loan estimate closing cost was {$12000.00} and that my final closing costs would be {$12000.00}. My original estimate was nowhere near this amount - Flagstar included property taxes, which were not part of the estimate, in the final disclosure without telling me in advance. Furthermore, they claimed that my final disclosure matched the loan estimate, which is false. I am not certain whether this was intentional or not, however it is clearly incorrect and misleading. At the close, a notary was supposed to show up at my residence as well as at parent 's residence at a designated time to sign the documents. The notary was a no-show at both locations - nobody informed me in advance about cancelling the closing, and nobody has explained why this closing was cancelled. 

While the mortgage I am attempting to refinance is in my name, I am not the sole owner of the property as my father owns a portion of it through a trust. I was clear on the ownership structure at the beginning of the refinance process and that I did not want to change the ownership structure in any way. I found out through the title company that Flagstar is attempting to take the deed out of the trust to proceed with the refinance. This attempt was done without my knowledge. I have no idea what the implications might be of taking the deed out of the trust, however it appears irresponsible to me for my loan officer to be attempting to change how the deed is held without my knowledge.

Finally, when I log onto the Flagstar website, it states that my loan has closed, which I don't believe is the case as I haven't signed anything. If the website is correct, it is not clear to me whether I should stop paying the original mortgage and start paying the refinance mortgage. It is also not clear what terms were closed.

I am in regular contact with Flagstar about this refinance so they are well aware of my concerns but they have not adequately addressed 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 explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On Thursday, XX/XX/2018 I submitted a complaint informing Equifax that there are fraudulent accounts reporting on my credit report. I submitted the Identity theft report as proof of these fraudulent accounts but to no avail as Equifax failed to block these accounts from my credit file stating that they verified that these fraudulent accounts belong to me. I would like a reinvestigation, I would also like for Equifax to send me proof along with all information regarding that investigation including the furnisher of the fraudulent information and how they verified the accuracy of these fraudulent accounts. 

This letter is my final communication regarding the inaccurate entries being reported under XXXX XXXX  XXXX Child Support, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 for chapter XXXX bankruptcy on XX/XX/XXXX and have received a letter of discharge. Transunion is still reporting 4 open accounts and 4 closed accounts with XXXX  balances. I have contacted all creditors involved and they have stated, the accounts have been closed on their end. I have filed a complaint through Transunion inXX/XX/XXXX with zero resolution. The 4 open accounts are also showing bad standing and past due accounts. 4 closed accts include two from XXXX XXXX, one from XXXX XXXX and one from XXXX XXXX XXXX. All 4 open accts are from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: WELLS FARGO & COMPANY
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
On XX/XX/XXXX I received 2 alerts from my credit monitoring service that my credit was obtained from XXXX  and Wells Fargo. I have tried to contact the agencies and they both deny the claim. I am not shopping for a new car

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 2021-04-24
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my XXXX mortgage payment to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, I had awakened to realize that Mr. Cooper withdrew an additional 2-months ' worth of mortgage payments ( including the extra amount that I typically pay towards principal ). I am not enrolled in an autopayment program with them, so it appears that they utilized my stored banking info to make these unauthorized payments. During my several attempts to reach their customer service line, I was placed on hold and then the phone would just disconnect. 

During the Covid-19 pandemic, I am thankful to be able to pay my expenses. However, by no means did I expect to pay a {$1700.00} mortgage payment on XX/XX/XXXX, only to have 2- {$1800.00} unauthorized payments withdrawn from my bank account 10-days later on XX/XX/XXXX. It is a weekend and I can not get anyone from Mr. Cooper on the phone to address this issue. When I called my bank, they were well aware of the issue and have received numerous phone calls from other customers who were also Mr. Cooper mortgage customers. Hours have passed, and the only correspondence from Mr. Cooper has been the following social media message almost blaming customers for payment issues, which the truth of the matter is that Mr. Cooper is responsible for billing issues that have resulting in stress, major bank account deficits and no quick resolution for their mortgage customers. 

Mr. Cooper 's social media message posted XX/XX/XXXX at XXXX XXXX  EST '' We are aware that some customers are experiencing payment issues today. We understand how concerning this is to those impacted, and we are working with the banks involved to resolve the issue as quickly as possible '' I'm writing today, to request that you look into this matter and the practices of this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While making a {$9.00} purchase at the clerk asked me if I would apply for their credit card, I agreed. Two months went by and I received a paper bill charging me late fees and interest fees in the amount of {$37.00} ( including the {$9.00} charge ). I called customer service and explained I hadn't received that bill. She said if I paid the {$9.00} immediately she would dismiss all the other charges, which I did. This Wednesday the XXXX, I received a bill for {$27.00}. I again called customer service and was told there was nothing she could do about the fees ( though I paid the {$9.00} charge ), because they had closed my account. 
Furthermore they reported me to the credit agencies which dinged my credit rating. I was told they sent my bill out on the XX/XX/XXXX but I didn't receive it til the XXXX. This does not pass the sniff test. I paid the {$27.00} they billed me, though on the bill it said This is {$2.00} ( other debits ), fees charged {$21.00}, ( past due ) amount {$5.00} The bank in question is XXXX XXXX XXXX in XXXX, Ohio Thank you in advance for your looking into these questionable practices, so someone else doesn't get bilked. And a correction to the credit reporting agencies, with a copy for my files.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: MS
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:
on XX/XX/2020 i sent experian a letter requesting them to verify inaccurate accounts that were listed on my credit report. I never received a response. I sent them a letter again on XX/XX/2020 and I still haven't received a response and again on XX/XX/2020. I have yet to receive a response. it's been 6 months now.

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 2019-01-31
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:
I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Ive sent letters to this company about my family unforeseen burden I have submitted supporting documents still awaiting a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC has made changes that do not allow me to link my checking account to my XXXX card to pay others. I can use my XXXX card in stores and it will reload a balance from PNC but PNC will not let me make payments directly from the XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
I am a victim of identity theft

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 2021-04-09
Company: EQUIFAX, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
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: Their investigation did not fix an error on your report

Complaint:
I have tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to fix these issues with Equifax . To dispute this inaccurate information which is violating my consumer rights. XXXX  account # XXXX and XXXX XXXX XXXX only the one opened on XX/XX/XXXX have been disputed for mulitple inaccuracies. The most recent in results says that this was verified. HOW? where is the proof of my signature? where is the signed contract? 

XXXX XXXX is reporting inaccurately because : -how is it opened on XX/XX/XXXX and deliquent on XX/XX/XXXX? It doesnt make sense -5 months recieved payments? when? payment amount? 
-How is this account not reported until XX/XX/XXXX? 
-No close date reporting? 
- and reporting open? No credit limit? 

XXXX XXXX -how is this past due and charged off?? 
-no date closed yet? ITS CHARGED OFF? Its not OPEN!!! 
-How is the charge off amount higher than past due balance? 
-Where is high credit? Credit Limit? Payment amount? 
All these are clear violations of my FCRA and FDCPA rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation