BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Cornerstone Legal Group, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX of 2016 I entered into an agreement with Cornerstone legal group LLC in Florida to consolidate and negotiate three debts. As of today no communication was ever made to any of the creditors. The company has taken all funds and applied to their services. Several written requests have been made for copies of all communication regarding my creditors none has been supplied. I have now spent 3 days tracking down my creditors and have been informed No communication on my behalf has been made. We are talking 20 months with plenty of opportunity and yet their fees over 3600 have been paid to themselves,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried several times to speak with them and they at one point would not speak to me because I advised I was going to contact a lawyer because there calls were more harassment than anything. I use their online system to pay this account as well as to set up the payment plans that they offered for hardship. Have made those payments and over those payments and because they called me and I cussed the rep out and told him I will file bankruptcy now it's showing 120 days late on my credit when it is not. I have tried calling and they seem to have an axe to grind and refuse to correct my credit report or the account but continue to call and harass me about payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

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 2018-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have contacted XXXX XXXX XXXX regarding Account # XXXX & XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts and nothing showing any signature or authorization. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXX is not bonded with the state of Texas to collect any debt. 
Collection Agency Information XXXX Account Type Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-I had XXXX reward points with American express XXXX Points were obtained through credit cardrewards with many credit cards, then combined together. 
-I closed most credit cards, except for XXXX that didn't charge a yearly fee. 
XXXX XXXX my remaining credit card due to inactivity in XX/XX/XXXX, however I did not receive notification. I also did not agree to close the account.I found out the card was closed on XX/XX/XXXX. 
-Amex then took away all reward points I had in my account. Again I did not receive notification, and I did not agree with them taking away my reward points. 
-I tried to contact Amex on XX/XX/XXXX, but they claim they have not done anything wrong, and are not able to reinstate my reward points. 
-I disagree with their decision. Those XXXX points are worth about {$1500.00} cash back. I did not agree to for them to be forfeited, and I did not agree to close the credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus the some items still remain.

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 2020-05-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I am requesting assistance or information on how to proceed further with my dispute. I have also attached 2 emails that were sent to the bank. I applied for a Credit Card with the bank but did not receive it. I found out via XXXX XXXX that the card was issued and immediately contacted the bank and disputed the charges. I was verbally advised after a few weeks later that everything was fine and I did a Balance Transfer. Last month I went to make my payment and they had put the disputed charges back on my account with no explanation or documentation to advise. I believe they are in violation of the FCBA guidelines. When I called the dispute was closed out and I re-opened it. They have since sent me a statement to pay the total of the disputed charges, have reported the balance of {$7900.00} to the Credit Bureau and has caused a significant drop in my FICO score. 

On XX/XX/20, I received a letter stating the dispute of XXXX was closed and a credit was issued to my account, however that is not true and neither has the amount changed on the Credit Bureau. No one in the dispute department will return my calls and I have not received any correspondence on the new case that was opened. 

I am kindly requesting that you review this matter and if you are not able to assist, can you please provide some guidance as to what can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems Inc is reporting inaccurate information my XXXX & XXXX credit report after several attempts to address the inaccuracy. 

I asked the National Credit Systems if they reviewed the documents that were sent to me about the debt and they said they understood the discrepancy but they are not required to verify information, they just send the information to the Credit Bureaus to satisfy the request. 

National Credit Systems told me to contact initial creditor for inaccuracies, the original creditor sent my requests back to collection agency. 

XXXX representative refused to enforce my legal rights of reporting incorrect information to my credit profile and agreed with the illegal practices of National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have been with American Express for more than 10 years and I have had a few or maybe no late fee and interest charge on my card. I an attempt to upgrade my gold card, I was offered to apply for a new platinum Delta Skymile card. Since I had an autopay on the gold card, I thought it will be automatically applied for the new platinum. On XX/XX/XXXX, I saw that there is a {$27.00} charge on my card as a fee for late payment. I immediately called and asked for a courtesy reimbursement which was done, then I realized that there is an interest fee that Amex also applied to my account : {$480.00} ; I called Amex and a lady answer my phone, she told me that they would reverse the fee to my account if I pay the amount due, which I did immediately with her on the phone. She told me that the payment will take effect between 24-48hrs and I should just call after than to get the money back ( she made a note of it ). Today I called to ask for the reimbursement, but this time the customer representative and the supervisor ( XXXX ) I spoke with where no help and drove me to a point where I would like to cancel my card.

They where not understanding and kept interrupting me and going in their own loop. In the end, I hung up frustrated and annoyed. I am using this card a lot for my travelling and others, unfortunately I have to cancel this card, my wife 's and my other blue Amex if no action is taken. I will also take legal actions against Amex and XXXX, because this is unfair and limit taking customer money when you are supposed to be protecting customer 's interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
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:
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 I'm 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 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in Chapter XXXX that included my mortgage company Flagstar bank. On XXXX XXXX, my chapter XXXX plan was completed and fully discharged. I received a letter from the attorneys representing Flagstar bank stating my balance was XXXX dollars and to resume my payments directly to the bank as normal. I have paid every month on time since XX/XX/2018. Since then Flagstar claims that I am one payment behind from when I was still actively involved in Chapter XXXX despite paperwork stating other wise. I sent them the necessary paperwork proving that my balance was XXXX dollars at the time of my discharge. On XXXX XXXX, I received a letter from Flagstar bank admitting to their error and stating they would fix it. As of today, the problem still has not been resolved. They are now reporting late payments to all three credit agencies and reported late payments while in active bankruptcy. I have called them on several different occasions and never receive a call back that the problem is resolved. Instead I receive automated messages that my payments are 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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I requested a method of verification on XX/XX/24 and have not gotten anything back. No updated letter with investigation results, no name, phone, or address advising who verified any information. I then sent in a letter disputing account information. I finally get a letter saying they updated the account. How did you update the account with no method of verification. It looks to me the account was updated wi try information I provided and I asked the wrong information be deleted. This is a violation of the FCRA. How can you update something and not provide method of verification.

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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX  XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
In XXXX of 2019 the vehicle was put in a chapter XXXX bankruptcy. by my significant other. I was unaware that my new vehicle was put in a bankruptcy because me and my husband are separated. When I found out I talked to the attorney and had my vehicle removed because I am a non-filing spouse. I contacted prestige financial to continue with my payments. Which I have been doing so ever since. I have not been late I have been calling in my payments or they have been calling me for the payment. I asked for a monthly statement they can not provide me with the monthly statement, I asked for a payout of exactly what I owed they could not give me any information. I have a account manager with prestige financial by the name of XXXX. me and her went back and forth about the car being wrote off as a bad debt on my credit report but yet I'm making payments and they can not provide me with any financial information regarding what I'm paying for. And that is the reason why I'm reaching out to you to see how can I resolve the situation or either get rid of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank has done the following injustice to me, My XXXX XXXX, and my Credit Report. Without my authorization they closed the following accounts resulting in a lost of {$17000.00} in credit. 

1. BJs Master Card Credit Limit {$5000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank reason for closing my account they stated that I have to many inquiries on my credit report and this was after my application for a line of credit of {$5000.00} was approved and before I received the physical card in the mail. 

2. XXXX Visa Credit Card Credit line {$12000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank sent me a letter stating that XXXX  went out of Business and that my card will no longer be accept for purchases. I contacted Comenity Bank via telephone asking will this affect my account and the representative said no because XXXX  Card is a Visa card it will be accepted everywhere else. And that I have nothing to worry about and now my account is closed. 

They do not care about there customers and they have this habitual habit of closing peoples account and reporting it to there credit bureau that line was closed by granter and ruining everyones credit scores credit reputation and credit report. They refuse to do anything about but refer you to the credit report agencies that cant do nothing for you. 

Attached is the statement for both card thats were closed proving that I had active accounts. 
Attached is the letter sent to me recently pertaining to my models credit card being closed after they told me via telephone conversation that it will still before and I would be able to make purchases anywhere because its a visa credit card. Attached is a picture of the physical cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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:
SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal  Inspection Service for other possible violations of 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 2021-05-03
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/XXXX I made a reservation for the XXXX XXXX in XXXX XXXX On XX/XX/XXXX I received an email from " XXXX XXXX XXXX '' ( XXXX  ) stating they could offer a better deal. I had to enter CC to see the deal. The deal was {$140.00} more and non refundable.. I did not accept the deal and left the site. The site immediately charged my card and sent me a confirmation. I called XXXX to state that I never confirmed nor authorized a purchase. Told by XXXX too bad it's non refundable. Immediately called Chase and the hotel ... I have disputed, sent faxes, messages etc. and Chase said that the merchant claims nonrefundable purchase.. I did not purchase anything. The XXXX XXXX XXXX XXXX for the XXXX  XXXX reached out to let me know that the hotel canceled the reservation and charged me nothing and charged XXXX nothing. I have been fighting the {$390.00} since XX/XX/XXXX and no one cares that this unauthorized charge for a reservation that doesn't exist is on my card. What is a senior citizen on a fixed income supposed to do when duped by a site and then her bank? We have excellent credit and have never had to file against something of this nature. XXXX is keeping money that that Chase paid them and Chase wants me to pay it back on the XXXX of this month. I have documentation of several correspondence with XXXX, Chase and XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: SYNCHRONY FINANCIAL
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 settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being Care Credit/XXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX/Care Credit is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

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