BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
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: Account information incorrect

Complaint:
I recently purchased a 2nd home and after purchasing a home, I started using my credit card late XXXX, 2019. Naturally, my credit balance on my credit cards went up. However, I was looking at my credit report and noticed that my credit score with Trans Union went from XXXX to XXXX then XXXX. 

I would like to file a formal complaint because, first, I have not even received my credit card or mortgage bill from those purchases and my credit score lowered by 30 points? Second, whenever I have debts on my credit cards, I pay them off in full as soon as I get the statements. 

I think that is unfair to customers who make sure to protect their credit scores to have 30points less on my score for purchases I made without any bill to pay. What is the point of having a credit card if that will affect my credit score whether I pay it off right away or not. This is so upsetting and unfair practice.

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: AMERICAN EXPRESS COMPANY
State: WV
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 opened an account with american express for a Delta Business skymiles card. I met the requirements as noted below and it has been past the time and they have n't credited my account with the points and the XXXX delta credit. Also attached is a copy of the conversation stating I met the requirements and the numerous times I tried to fix the error. Please help. 



Offer states : XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. The annual fee for the Gold Delta SkyMiles Business Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be {$95.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XXXX/XXXX/XXXX at XXXX pm I made a deposit for {$700.00} at the ATM of the Fifth Third Bank office in XXXX Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX where I have my account, the ATM did not make the deposit and he also did not return the money but gave me a receipt where he says that due to technical problems the deposit could not be made nor the money returned, I filed the complaint and the bank gave me the amount in credit while the dispute was resolved, after 30 days I received a letter saying that I had lost the dispute and therefore I had to pay the money they gave me in credit, I made a second claim and after another 30 days I received another letter with the same resolution, that I had to pay the money given in credit. It should be noted that I faxed a copy of the receipt provided by the ATM to me on XXXX/XXXX/XXXX at XXXX pm, I have complied with what the bank has demanded on my behalf notwithstanding they still I have proof of the error of their machines they insist that it 's my fault, they closed my bank account and they passed me to a delinquent collection department

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pre-pay my loan quarterly, and they take my payments as principal reduction and then try to charge me late fees. This is called predatory lending practices. This is why we invented the CPFB when I worked for XXXX XXXX at the FDIC. I have notified them in writing and verbally several times and they still take my exact mortgage payment - and then say Im late. Every time they apologized but they keep doing it. I make my payments about a week apart in the exact amount of the loan payment and yet still - its applied to principle reduction and then send me late notices. This is predatory lending practices, specifically loan servicing predation.

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 2019-04-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a membership with Experian for a few months only wanting to see my score. A week ago I received notification from two of my major credit cards that they are closing my account with the reason that per credit report from Experian I have too many request for credit review, which concerns me as there should not be. I have excellent credit so my credit card accounts are getting reviewed to be reopened. 
I tried to call Experian regarding this issue and also to cancel my membership. I could not get a human no matter what I tried. The automated system wanted my ss #, date of birth, Zip code and street number. I did not feel comfortable with this. Why cant they just ask for membership number or last four digits off ss #. I believe this to be a problem with several customers. I feel this is some kind of scam. I am not sure what to do.

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 2018-11-19
Company: LEXISNEXIS
State: MN
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 found a Bankruptcy reporting on my consumer report with Lexis Nexis, I sent a letter requesting documentation bearing my signature. I received back a letter stating it was verified with no documentation of verification. 

I then sent a second request demanding per FCRA SS 611 ( 15 U.S.C ss 16811 ) description of procedure used to verify and under rule Bankruptcy Rule 9037 in addition to a " personal identification of prmation defines as individuals social security and taxpayer identification numbers, names of minor children, last 4 of SS and dates redacted. Therefore the claim of verified is in violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the dispute information, also in violation of Section 5 ( a ) of federal trade commission act ( 15 USC ss 45 ) which prohibits " unfair '' or deceptive acts or practices. Lexis Nexis replied with disputing on my behalf with XXXX. I am disputing Lexis Nexis in their  reporting of a bankruptcy on their report they hold under my personal information. 

Lexis Nexis can not verify a bankruptcy through a 3rd party, I am entitled to have the name, address and phone number of the PERSON who responded back with verification per FCRA Section 611 ( a ) ( 2 ) this can not be done and therefore it must be removed from my report with Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on Experian. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my XXXX report had also been hit. Experian was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " XXXX XXXX '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.

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 2019-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX  that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my Transunion report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX  about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.

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 2019-04-11
Company: ACIMA CREDIT, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had to have repair work done with XXXX XXXX. I didn't have the full money for all the repairs. I was able to get financing through Acima Credit. I was approved but nothing was fully explained to me with the paperwork. I didn't know I was signing over rights and other remedies. The car is in my brother 's name and they're threatening to take the car when its still owned by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: WA
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 am attempting to dispute our mortgage payment with Experian. I subscribe and pay for a monitoring service, which is supposed to enable me to have access to my credit report as well as an easy method to lodge a dispute. Neither is happening. 

I can not dispute my credit report through the online portal of my subscription service. Furthermore, I am unable to go to their dispute website to dispute the account because it claims I do not have a current copy of my credit report. I do have one - I am paying for their service and I have a current copy. 

I am attempting to dispute our mortgage payment which was marked 30 days late as of XXXX XXXX. They are not allowing me to dispute this account. The account was not paid late.

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 2021-01-20
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The first notice I recall receiving from Johnson Mark LLC dated XX/XX/XXXX. It notified me that XXXX XXXX retained them to collect a debt. XXXX XXXX did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. Johnson Mark LLC had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. XXXX XXXX never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to XXXX XXXX. They never attempted to locate my new address or call.. I had no idea I was behind on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is trying to collect debts they claim are mines and refuses to send enough information I requested so I can move forward to settle the debts if they are mines. I fax the two times. and wrote complaints two times on cfpb to resolve the problem hoping they will comply with me threw this site. Still, the refuses to do so. to my knowledge the debts are not, mines and they may remove the debts they can not provide more information about from my credit report NOW. they have flagged the account on all three bureaus as like this is a game damaging a person credit for something the refuse to provide when the documents the original creditors gave them are sitting on their desk. The told me to go and actually do a run around for something they can scan, print and mail out or reply to my complaints on XXXX. I am injured and I have told them that. The place they claim I have look it up and it is out of my county. Again I will dispute this with the credit bureaus with the same documents requested. they have 30 days to send me those documents so I can handle my the debts are trying to collect if it is true it is mines. They are the ones reporting it to my credit report and they are the only ones to remove it from my credit files. Also they can provide me a contract signed with the original creditor stating that I will pay the debts. And the last statements from the originals creditors showing the dates and how the amounts are total. the amounts XXXX  are trying to collect has the same amount {$980.00} for three accounts. I want the to make me believe the debts are mine. Sorry for the hard time but im not paying for something that is not mines. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
The call rep was very rude, and i disconnected. I was calling about inquiries that i didnt do

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 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They refuse to open up My business account bc they were not trained to look for certain documents that I used at XXXX, XXXX, XXXX, and XXXX They told me But I didnt have the right documentation that the 5 biggest banks let me use to open a business account. 
I XXXX year business owner it has been opening up business accounts since 2001 with some green peas that dont even know what a documentation looks like and they had the audacity to kick me out of their bank because I told them that they werent knowledgeable in their profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I XXXX XXXX have finished putting my daughter through college. There are several loans now serviced through NELNET. I have been harassed for months now, even though all of these loans should still be in deferment. Accordingly, since there has been several different criteria as to how much my payments will be, I request the following : 1 ) A cease and desist on all telephone calls from NELNET, since these calls are abusive and without constructive merit. 

2 ) That all loans go into an immediate deferment until XX/XX/2020. 


3 ) That I will be granted a consolidation of all loans with a reduction in interest rate to 3 %, and with a 15-year payment term. 

My request are reasonable under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I wrote a letter to Toyota Financial Services requesting a late payment for XX/XX/XXXX be removed as a courtesy. I received a letter back from the company after 30 days claiming that I have disputed the late payment & that the results were accurate reporting was being made for the late payment. My initial letter did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment. My credit report now shows I have disputed the late payment which I never intended nor did write on the letter for the dispute. I continue to call Toyota Financial Services & I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. Toyota Financial continues to report the late payment on my credit report, without any proper communication or feedback. Under the FCRA, a lender may not put my account under " dispute '' if a dispute was never intended not initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this with the credit bureau and they removed it and place it back on my credit. I have told the company that this is not my debt only thing could send me was a copy of the bill no paper where I signed no contact from me.

Company response to consumer: Closed with explanation