BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I attempted to get a credit card I was denied based on information on my credit report that I am unable to verify because it is information that I am unaware of. So I am unable to get information based on the fact that I am unable to verify accounts that I never opened. Someone opened accounts in my name such as a car loan and mortgage and other accounts that I have no idea how they were attained. I am assuming that someone stole my identity and therefore I have no way of verifying information to obtain my credit report since I didn't open the accounts they are referencing. I would like to make the complaint for Trans Union, XXXX  and XXXX. These three agencies have locked me out of my own information and I can not fix the problem with the fraud that has taken place in my name due to these agencies not giving me access to my credit reports since I can not verify information that they request since I have no knowledge of any accounts being open in my name. I really appreciate your assistance in resolving 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 explanation
Consumer complaint received 2021-10-04
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I saw an offer in the client online portal for American Express for the XXXX XXXX card with a promotional offer of 0 % APR for 15 months. I have two cards with American Express already and have never made a late payment nor closed any cards. I was immediately approved for the new card with a {$15000.00} credit line. A few weeks later I saw interest charges on my account and called customer service. They informed me that the 0 % APR offer was revoked. 

I had not been given notification from a pop-up nor email or secure message that I was ineligible for this offer. I read the TOS and did not find anything regarding ineligibility. Customer service was rude to me and refused to help. As a consumer, this feels to me like a bait and switch. 

As it stands, there is currently a promotional offer for the XXXX XXXX XXXX card at 0 % APR for 15 months in the client portal, so even now, there is a highly misleading offer being falsely advertised to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft I am a victim of fraud my ex husband, and his girlfriend XXXX XXXX XXXX  and other individuals has fraudulent used my information to obtain credit they have used my name, DOB, ss #, to obtain credit. My ex husband and I divorce and there were open loans under my name Mortgage XXXX XXXX  XXXX XXXX and auto loan Wellsfargo these loans were XXXX XXXX responsibility to pay and I was no longer had interest in these loans. I signed over all my interest and rights removing me from the responsible party. Wellsfargo has reported this loan on my credit report which is it to be remove next year but this needs to be deleted off my credit report immediately. My ex husband had forgery my name to obtain loans and was arrested I have sent supporting documents to XXXX, XXXX XXXX, XXXX concerning this matter. I'm a victim of identity theft. This needs removal off 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 non-monetary relief
Consumer complaint received 2020-04-27
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: Public record information inaccurate

Complaint:
I submitted a police report, identity theft report and a letter from the bankruptcy court. They still did not remove the incorrect information.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , XXXX XXXX , and Exeprian. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from XXXX. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) XXXX  reports the account balance at {$390.00} XXXX  {$300.00} Experian {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.

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 2020-11-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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've seen no changes for the accounts that I have disputed last time, I still see 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Well the scammers had put XXXX into Wells Fargo bank account and that money was from the PPP loan and after the fraud department did some investigation on my account they return the money but in order for me to close this account for good I had to find who to return the PPP loan money back too

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 2018-01-31
Company: Medical Business Bureau
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have explained to the medical billers and then the Medical Business Bureau collections agency via letters on XX/XX/XXXX and XX/XX/XXXX and via phone on many other dates, that I signed an agreement at The XXXX Hospital in XXXX, TX when I was administered treatment for a XXXX XXXX, stating that I would only be billed the amount that they were charging to my credit card that night, which was {$150.00}. 

I explained and offered proof that I paid this amount on the night of the treatment and have repeatedly stated that the agreement that I signed at the hospital promised that I would not be billed anything other than the {$150.00} that I paid at that time. I made it very clear at the hospital that I would not allow anyone to treat me without such an agreement as I do not have insurance ( and I was not even convinced that I needed any treatment ). Unfortunately, there is a real problem with hospitals routinely sending additional surprise bills after treatments where payment has been already rendered. This has happened to me before, and this time I wanted to be very careful to prevent this happening again. 

I explained to the medical billers and this collection agency that they are legally required to produce a document that I signed, stating that I would pay what they are asking me to pay. I know that at the hospital that the administrator attempted to have me sign documents promising to pay for various treatments that I refused. Therefore, I am 100 % confident that there are no documents that were signed by me stating that I would pay anything beyond the {$150.00} that I paid at the hospital. 

I explained to everyone who attempted to extort further payments from me in relation to this treatment that pursuant to the Fair Debt Practices Collection Act, section 809 ( b ), they must cease to collect unless and until they mail a copy of the verification of the debt to me ( the consumer ). They were unable to produce such documentation and they stopped harassing me with letters and calls after that. 

Now, suddenly -- three years later -- -on XX/XX/XXXX the Medical Business Bureau has improperly reported this collection to my credit report in a derogatory manner in two separate reports. This improper reporting has kept me from getting an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: IL
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:
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my Equifax report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: DISCOVER BANK
State: IL
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:
Have been working on credit dispute with company on two charges that were not authorized on billing. 1 for a {$25.00} parking charge on XX/XX/2018 and 1 for a hotel nights stay that was charged for {$160.00} ( that charge was originally paid for in XX/XX/2018 for a prepaid nights stay that actually took place on XX/XX/2018 ). Both combined charges were not charged back as the company Discover claims the charges were valid. The truth of the matter is the hotel room was double booked the hotel committed to crediting back charges and did not do so. Discover claims hotel states they are actual approved charges. As the consumer I can attest that we did not stay the night and the charges are now a fraud issue. The Discover card states plainly that they protect the purchaser from any fraud charges but fails to do so when claims are submitted with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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:
I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX XXXX XXXX account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with XXXX XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Collection account listed as XXXX XXXX in the amount of {$3500.00} is appearing on my most recent Transunion credit report. In fact this account was previously reported by the same collection company using the abbreviation XXXX, this was disputed directly through the XXXX XXXX website and was deleted by TransUnion on or about X/X/2017, per XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of my unit inXX/XX/XXXXXX/XX/XXXX when a friend joined the lease and took over the unit. I paid the wifi bill to XXXX for XX/XX/XXXX and XX/XX/XXXX even after I moved out and my friend assured me that he changed the bill over into his name. I preceded to leave the country and the following year when I came back through town I discovered that he didn't change the bill into his name until XX/XX/XXXX therefore leaving unpaid bills in my name for XX/XX/XXXX and XX/XX/XXXX totaling {$110.00}. As a conservationist  I always request paperless statements from companies to lower my carbon footprint. Had XXXX honored my requests, I would have received an email stating that I unpaid bills and notifying me that the bill was in fact not changed over into the new tenants name. I was denied a car loan today because of this small {$110.00} bill that I have no problem paying but I do not want a bill that isn't mine to stay on my credit report for 7 years and affect my score and capacity to buy a car. The collection agency is called ICS.

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 2018-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened my account on XX/XX/2018 online. On XX/XX/XXXX my car was stolen from the sprint store parking lot in XXXX, CA. Contacted chase to check and report all fraud charges and I was refunded only for two and told i only reported two charges when i called back in XXXX to check the status because they told me it could take up to 90 days. I recieved a denial letter and was told they were from a branch that I frequent and that my signature matches my signature card on file. I informed them i never signed a card because i opened my account online and they copied my signature from my CA ID also, theres only one branch in XXXX so yeah I have to go there. I asked to speak to a supervisor who looked over my claim information and compared my signature to the fraud withdrawn slips and told me that they are similar but not the same and that she would escalate my claim and to send in my police report and call back in 5days. Claim was still not approved and was given more runaround about non existant signature cards and branches i go to in XXXX but there is only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Google Compare Credit Cards Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bought Google credit for XXXX $ And have not been able to use it. 
It says account insufficient funds Deposit funds a week ago today.

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 2017-12-14
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-10-23
Company: Synovus Bank
State: MD
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:
On XX/XX/21 I mailed a billing error/ cease and desist notice to First Progress and their registered agent Synovus Bank ( with attention to XXXX XXXX the current CFO ). Inside this letter I stated that this is my written notice that I have discovered a billing error on my account pursuant to 12 cfr 1026.13. I also stated that I believed with this discovery that the First Progress is conducting misleading practices with deceptive forms pursuant to 15 usc 1692e. Knowing my rights as a consumer I requested all documentary evidence according to their journal and ledger entries described in IRS Pub. 583 and that if there is a surplus that the amount over be directed to me the consumer in the form of a check. To conclude I also informed first progress that I was aware that while disputing this error no adverse action should be taken pursuant to 12 cfr 1002.2 ( c ). On XX/XX/21 both letters were delivered. Then on XX/XX/21 I attempted to check my account via mobile site and noticed First Progress had closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: NY
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:
I purchased a ticket, for travel, the merchant issued a rewards milage ticket. I was not able to usr the ticket upon checking in at the airport. The airline stated that only the holder of the account that have the miles would be able to usr the ticket. I was denied boarding abd lost All the purchase price of the ticket. I filed a dispute with Chase Card services. and have not gotten a refund.

Company response to consumer: Closed with explanation