BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2019, I upgraded my existing AMEX Hilton card to their offering AMEX Hilton surpass card. They offered a bonus of XXXX bonus points on a spend of XXXX dollars. I made the spend and got the bonus in XX/XX/2019. Later in XX/XX/2019, i decided to downgrade my card to a non annual fee card. Later on XX/XX/XXXX, when I logged into my account, I was presented the offer to upgrade to surpass card again with the offer to earn XXXX bonus points after spending XXXX dollars. As i had a big spend coming up, I upgraded the card once again and made the spend. Amex now refuses to honor the bonus points as they claim they already gave to me in XXXX. They confirmed over chat by Mr. XXXX that I was actually offered the upgrade with the above offer but I am not eligible as per terms and conditions. Given AMEX already knew I had the card earlier in the year and I had already redeemed the offer once, why did they even present me to upgrade the card again with the same offer. They are misleading the customers in this case by offering something they know they won't honor. When i ask for a copy of online contract I signed during upgrade via chat, they refuse to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EXPERIAN HAS RELISTED ACCOUNTS THAT WAS REMOVED FROM MY CREDIT REPORT THESE ACCOUNTS ARE FRAUDULENT ACCOUNTS THAT WAS NEVER OPENED BY ME IN THE FIRST

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 2021-07-13
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, XXXX XXXX wire transferred funds to PHH Mortgage in direct response to a written pay-off request. Although PHH admits the funds were received as requested, they refused to apply the funds to that portion of PHH that handles current collections. It has now been almost two months since they took our money and they refuse to tell me how or when the problem will be fixed. This has caused us to lose over {$1100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
15 U.S.C. 1681 - U.S. Code Title 15. Commerce and Trade 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence. 

I would like the XXXX XXXX  account removed from my credit from XXXX XXXX report because it is false and in violation 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MS
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:
There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX XXXX XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage lending officer from Citi bank branch in XXXX XXXX XXXX in New York who named XXXX XXXX XXXX gave me big trouble. 

My Citi personal wealth management wealth advisor introduced her to me, since Im buying a house. But XXXX kept complaining her in front of me. 

Then XXXX asked me for lots information. Such as 2 month business statement 2 years business w2profit and loss statement and this year balance sheet. I spent lot of time and money to my accountant for them. After she received them, she told me she doesnt need them. 

Then she asked me for my paystub. I sent her my paystub from last month and called her to make sure its ok. She told me it works. But after a while, she told me that doesnt work. She need paystub from this month. 

I was really upset. I called her and asked her to be more careful with my case mannerly. She told me to find other mortgage lending office and hanged up my phone! And she texted me that she doesnt have much time and energy for me. She had lots of clients now. 

Thats really not professional at all. She totally wasted my time and money!!

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 2020-11-27
Company: Westlake Services, LLC
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:
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to achieve a copy of my Equifax credit report and place a security freeze after the Equifax data breach since XXXX XXXX, XXXX. I have n't got any success in getting a response through several phone call attempts and online requests. This is truly frustrating experience. It seems like Equifax completely stopped answering to any concern in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is a huge inaccuracy on those student loans on my credit report. please review it

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 2019-09-06
Company: EQUIFAX, INC.
State: GA
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:
My credit is very important to me and I had some severe health issues and was hospitalized. I tried working with the creditors but I received no help. I filled bankruptcy and I still have old things from that on there. I'm at a complete loss on what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/2019, I called in to make a payment by phone. At that time, I authorized a payment in the amount of {$2000.00}. I was given a confirmation number ( XXXX ). On XX/XX/2019, I checked my banking account and discovered that {$4000.00} had been withdrawn for payment. I did not authorize that amount. I want the funds returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2021-08-08
Company: Experian Information Solutions Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me re : creditor XXXX XXXXXXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.

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 2018-11-25
Company: Accurate Background
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received background check information back from XXXX and noticed some information pertaining a felony misdemeanor. This information is completely inaccurate and I would like for it to be investigated and removed. Per search ID : XXXX State : OH/XXXX  it list record found for felony/misdemeanor but provides no information pertaining to a case. I have never had any criminal records, felonys or misdemeanors. My SSN has been flagged due to all federal government employees personal information and SSN compromised. I would like to know how to move forward to dispute this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: First National Collection Bureau, Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. First National Collection Bureau , Inc . Contacted me re : creditor XXXX XXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018, {$690.00} disputed inaccurate information to all three credit bureaus asking for original documents. Never sent but updating information as accurate when its false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: AZ
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 ( Original Creditor : XXXX XXXX ) - Account # 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. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
My card account is locked because someone has opened multiple other accounts in my name and over drafted them. The company, Netspend, is trying to make me settle these accounts that are not mine. They are not helpful and will give me no information on how to fix the issue.

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 2018-07-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an " Ultamate Rewards Mastercard '' in late XX/XX/2017 at a store and was told I would be mailed the information required for paying the bill. After two months, I had still not received any bills or the physical card and was receiving robo-calls demanding payment. I explained to a customer service representative that I did not have the information to pay the bill and they kindly allowed me to immediately pay the bill over the phone and forgave my late fee. They stated that they would send out another physical card and bill. 

By XXXX, I had still not received my card, so I went to the store and they said they could just look it up using my phone number and other information. I bought my products and they said they were sure another card was on the way. 

In XXXX, I had still not received a card! I was now receiving robo-calls again but I couldn't seem to catch a real representative on the phone to pay again. Since I was working 4 jobs and finishing my thesis, it took me a couple weeks to schedule a time that I could physically go into an XXXX store and ask them to give me my card information so I could use that to go online and pay a bill. 

When I finally acquired this information, I paid precisely off what I had spent but I asked that the company remove my late fee as I had not had access to pay the bill until I went beyond what should be deemed reasonable to do so, due to never receiving my card. They refused immediately and in frustration, I closed my account. 

I had double checked that my address was correct and I have never missed payments on any of my credit cards in my adult life. Now they are all accumulating with late fees. I have nearly {$70.00} in fees that are the result of their mistake. When I called again, they said they couldn't adjust anything because my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Franklin Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We entered into a contract to purchase real estate on XX/XX/2020. We applied for a loan with US Bank on XX/XX/2020. We received our first set of early disclosures on XX/XX/2020. From the start of the application we have requested weekly updates. Starting in mid XXXX we were told we should be getting approval to move to closing soon. On XX/XX/XXXX we were told the application dropped out of the system and we needed to reapply. We submitted a new application on XX/XX/2020. We provided, as requested, the same supporting documents to the US Bank loan officer five times. We have continued requesting updates on the loan status and received assurances we should be ready to close soon. As of today, XX/XX/2020, we still have not been able to close on our real estate purchase.

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