BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I used my American Express membership benefits to book travel through American Express ' portal. XXXX advertised flights to XXXX from XXXX for {$880.00} for 2 people including travel insurance. Before booking I checked the " Baggage Fees '' tab to see that the carry on and first checked bag showed " No fee ''. This made the advertised price a good deal, as it seemingly included baggage which if I had booked directly with the airline, would have cost me more money. I proceeded to book the flights with the insurance. 

On XX/XX/2019 I decided to check everything on XXXX XXXX 's portal to make sure all of my information is correct, and also to add in my passport information. I came to find that my booking had no luggage associated with it. This is when I initiated a call with American Express to find out what happened. The call started at XXXX and lasted 39 minutes, no extra information was able to be gained during this time and I was told to call back later. At XXXX I called again and spent 14 minutes on the phone explaining the situation before getting disconnected. I was called back at XXXX and spent 4 minutes on the phone being told that there is nothing that can be done and to essential deal with it, I asked to speak with a supervisor and was placed on hold before being disconnected again. This time with no call back, I believe the representative terminated the phone call. I reinitiated a call at XXXX which lasted 40 minutes. During this time I explained the situation once again and the representative connected me to a supervisor. This supervisor 's name was XXXX she explained that she has heard of this issue before in almost the same circumstances. I throughly enjoyed being assisted by XXXX and felt she actually cared about my situation. I told her I had a screenshot showing the no fee advertisement and she requested I send that to her which I did at XXXX. XXXX said she would file a case and attach the screenshot but warned me it could be some time before I heard back as I do not travel for 10 months, not a problem. 

On XX/XX/2019 at XXXX I received an email from another supervisor ( XXXX ) asking to resubmit the screenshot as they can not view photos when posted in the body of an email. I resent the screenshot at XXXX on the same day. XXXX emailed me back at XXXX stating that I can not be compensated at this time and that I must fly, pay for the baggage out of pocket and submit the invoice for review by upper management after my vacation, with no guarantee that I would be compensated. I replied at XXXX stating that American Express is false advertising and that I will be filing complaints with CFPB and the XXXX. 

That is the end of my correspondence with American Express over this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NJ
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Company: ACS Education Services
State: IL
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 have a loan that is currently in repayment. Conduent was the servicer. I attempted to login to make a payment and a new message came up that states that Conduent is no longer the servicer and to contact the new servicer. I was never informed by mail, email, phone, or otherwise that the loan servicer was changed and now I have no idea where this loan has gone. I believe the loan now has a balance of {$240.00}. Original amount was {$2000.00}. The loan was originally through the University of XXXX. I can not find any new servicers or Conduent on the XXXX. How do I find this loan and resolve this. I would like to pay it off so that it does not keep getting cycled through servicers. This was inappropriate to not inform me and risk my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I called the mortgage company to ask what I needed to do, and what amount I needed to pay to have my PMI taken off. I was told to submit a request in writing, which I did.I then called them on XX/XX/XXXX to check on the status and was told that my question was at the PMI department. I had the money at the time to pay down the mortgage to what ever their requirement was. I was sent a letter two weeks later stating that I did not meet the loan to value requirement. No kidding, I know this. When initially had called I asked specifically what that dollar amount was. They could not tell me. In XXXX I called again to ask the same question. I was told that once I met 80 percent of the load to value the PMI would come off. It would show on my XXXX statement but not my XXXX statement that had a due date of XX/XX/XXXX. My XXXX statement still showed the PMI. The next day right around XX/XX/XXXX I receive a letter stating that while I meet the loan to value ratio I need to send them a check for XXXX dollars to have a BPO to insure that the value of my home has not gone down. I mailed them a check which cleared on XX/XX/XXXX. I called again on XX/XX/XXXX to inquire where we were at with the BPO. It had not been ordered until XX/XX/XXXX. I was then told that the matter was escalated and that someone should call me by Tuesday XX/XX/XXXX. I received an e mail stating that someone should call me in the next three business day. These dates have come and gone. I have been calling repeatedly to find out what I have to do to drop the PMI. I have been told something different every time I call even though I am supposedly speaking to a supervisor. They in turn file with the PMI department who sends me a letter two weeks after the fact thus ensuring I have to pay ANOTHER months PMI. I still have heard nothing concerning what the BPO stated and I am now at 78 percent of the loan to value. They have repeatedly stalled and not given me the information I have been asking for. I could have paid the load down the 78 percent in XXXX if I had been told that this was the best way to do it. The way i see it I am out four months worth of PMI XXXX and the XXXX that i sent for the BPO and I still have not received any information stating what exactly I need 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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my XXXX and transunion credit report because i did not authorized or did business with 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: CA
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2021-07-13
Company: T.S. Holdings
State: UT
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:
IQ Data is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt was reporting but this is just so frustrating. I used to live in XXXX XXXX. They told me that my lease was up and my rent would go up to stay and I had to either move out or renew my lease. I decided it was best for me to leave as their new negotiations were no suitable. So I moved out by the date that they had advised. However, now they are saying that my lease was not up and I moved out before the date set?? I got two very contradictory statements and they never mentioned my lease not being up before I had moved out! I was told my lease was up otherwise I would not have moved!! This is not my error and this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.

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 2017-09-23
Company: Resurgent Capital Services L.P.
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:
I have a debt on my credit report of {$1800.00} from a company called XXXX XXXX XXXX Says it was opened on XXXX XXXX, 2013. It was purchased from another company called XXXX XXXX XXXX XXXX. It states that the original balance was {$2400.00}. I have no idea who either one of these companies are. I tried to find out if there is another original creditor. I also asked if this was mine, when was the last payment that I made? Does this company have to give me this information? Can this fall under time-barred?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Solar Mosaic LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed a contract with Solar Mosaic through XXXX XXXX XXXX to install solar panels. 

Solar Mosaic approved me for the loan, however, they did not make me aware of the daily interest rate. 

The panels were installed in XX/XX/XXXX. They were NOT operational. 

Solar Mosaic started taking a little over {$200.00} starting XXXX of XXXX. 

The panels became commissioned and operational XX/XX/XXXX. 

However, of the over {$1800.00} I had paid to Solar Mosaic from XX/XX/XXXX to XX/XX/XXXX. It all has gone toward interest. At this rate, I will be paying interest for a few years before it start taking principal. 

I gave filed complaints with Mosaic, however, they would send a generic email stating XXXX XXXX is working on the issues. At this point, Solar Mosaic is stealing my money because having these panels have not decreased my electric bill at all. 

There is a federal lawsuit against XXXX XXXX and i have reasons to believe that Solar Mosaic knew of the fraudulent practices committed by XXXX XXXX. One reason being that XXXX XXXX would be paid by Solar Mosaic as soon as the panels are installed, not completed. 

Please help me out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.

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 2023-06-09
Company: EQUIFAX, INC.
State: FL
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Went to XXXX XXXX to make a purchase. At the register, the salesperson said they were offering a rewards Program based on points from purchases and I would get 30 % off if I agreed to get a rewards card. So I agreed thinking it was a points purchase program. It turns out they were processing a credit card application and I never asked for a credit card nor did they ever say it was a credit card! They snookered me and I was only informed it was a credit card after all was said and done and they gave me the power work. I tried to immediately cancel it and they told me it was too late and that I now had to take up the fight with Barclays. I spent hours not eh phone and they hit my credit report. Its fraud! They deliberately mislead the consumer and fraudulently and without authority apply for cards in consumers name! This just be a crime.

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 2023-05-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-09-07
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Funding delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 Midland Funding called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told Midland Funding to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.

Company response to consumer: Closed with non-monetary relief