BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} AD XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.

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 2021-02-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express took it upon themselves to automatically opt me IN to paperless billing without my consent. Five minutes after they sent me an email notifying me of this change and after I responded by having to log into my account to again opt OUT I received another email from them telling me my current month paperless statement was now ready. I did not and do NOT request paperless statements and do not appreciate American Express forcing this on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX XXXX, I was purchasing my Airline tickets on XXXX XXXX website ( XXXX ). During checkout process for my airline tickets, I was presented with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX promotion, with offer comprises following 2 rewards. 1. {$100.00} statement credit on purchase of XXXX XXXX air tickets. 2. 60,000 Bonus miles on making purchases of {$3000.00} in the first 3 months of applying the credit card. I liked the offer and agreed to apply for the card as part of my checkout process on XXXX. My application was instantly approved and the tickets were charged on this newly applied card. I was also provided with a temporary credit card that I could use until my physical creditcard was received. I made charges worth more than {$3000.00} on this credit card in the next 30-45 days. It 's been 2 statements and I did n't see {$100.00} statement credit on my credit card statement ( as per reward 1 above ). I also did n't receive 60,000 Bonus miles yet. I called Citicard and they told me I am not eligible for the above offers. I have disputed this with the Citicard as well. I am not agreeing to their decision as I was NOT informed about this ineligibility during my credit card application process ; nor I was made aware of any exclusions by asking me to read any specific *attached strings* or taking my confirmation. Not only that, I was not made aware of this exclusions all the way till I charged {$3000.00} on the card and after waiting for weeks, when I called them asking about why I have not seen {$100.00} statement credit and when will I get Bonus miles credited to my Aadvantage number ; thats when Citi customer service told me I am ineligible to get the Bonus miles. I have disputed this with Citicard customer service and am still waiting to hear their new response.

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 2019-09-26
Company: Experian Information Solutions 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:
Experian has my fathers name down as one of my names. I believe this might be the reason for there being accounts I have not opened on my credit report. When I try disputing the name on the website it instructs me to call the phone number " XXXX ''. When I do I am unable to get through any prompts or talk to anyone. This has been going on for months now and it has caused me many hardships. I am in need of working on my credit report and I need to get this fixed. I have tried writing in but I still have no gotten a response. If I can't dispute the name online and I can't call in, what am I to do? I have already written in.

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 2020-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$0.00}.

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 2020-07-10
Company: Shellpoint Partners, LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am currently on a forbearance plan with Shellpoint Mortgage Servicing. On XX/XX/2020 they took a payment out of my checking account for the amount of {$1300.00}. According to the forbearance conditions they are not supposed to pull payments unless I set them up. My wife contacted them and was told they would return the funds no later than the XX/XX/2020, which they have not done. They also discribed that they would not be returning the full amount. I have tried to contact them multiple times to get my funds returned and now the customer service line disconnects me whenever I ask to speak to a representative. There have been multiple occasions where I have tried to contact this company and they hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX, XXXX, XXXX, I received a notice from XXXX, claiming they were considering a lawsuit against me, in regard to an alleged account with " Synchrony Bank/Lowes ''. I contacted XXXX, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from XXXX, dated XX/XX/XXXX, during that 30 day period. I contacted XXXX again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.

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 2021-02-23
Company: Experian Information Solutions 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:
Experian allows companies listing on my credit thats aged past Florida XXXX XXXX for credit cards and also Date of First Delinquency is provided by creditors that are not accurate and is causing past the time frame on ones credit to allow and hold credit from progressing which is unethical according to the fair credit act

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 2018-09-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am unfairly being charged for 3 transactions from a merchant under the name of XXXX XXXX for {$130.00} total. The bank was only able to dispute 3 of those transactions for {$91.00}. They bank recently stated that they concluded those transactions to be valid and cant do anything else. I have never had any business with, nor given my information to a company called XXXX XXXX. The bank provided a number to call the merchant that is not valid, and are saying they cant do anything further. This is not right, I did not have any business with this merchant and the fact that i am still being charged is disgusting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: SC
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 have sent Experian a letter to reinvestigate accounts on my report that are being reported as open after they have indeed been closed. XX/XX/2021 I got a response saying the investigation was complete but the accounts are still on my report and being reported as open. I have contacted the collection agencies and they have verified that the accounts are indeed closed and it is up to Experian to report them 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: Bread Financial Holdings, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have them harassing me daily calling me at least 3 times a day. My loan was to be only for XXXX  months and they are now saying it's for XXXX mths. I have never received the original contract and they said it was not a contract .they keep saying it is a credit card it was a loan for dentures I got from XXXX XXXX in XXXX XXXX payments are to only be {$30.00}. A month .I paid XXXX XXXX {$290.00} in order to start this loan have proof. My loan is for only {$1300.00}. They say I am now {$890.00} late with {$150.00}. Late charges I pay every month with a money order first of each month. My legal advisor and I called them in person on XXXX. Talked to 3 different people for 2 hours. I told them I have sent Comenity capital bank almost 10 letters for the last 2 years with my monthly payment of {$42.00}. XX/XX/XXXX. I have paid {$1400.00} .started payments XXXX of XXXX. And yet they are saying my payments are late. The amount of my payments keep changing from them. I have never once have been sent a monthly bill from them as well. I was told to keep paying them now by phone on The XXXX of each month until the have received my form as to disputing this and default. Yet it has been 3 weeks I still have not been sent a form to send them.i have copies of each time I paid them every month and they are also saying they never get the money orders or they are due on the XXXX XXXX. But when I applied for the loan is was to be due by XXXX of each month yet when we spoke to the lady on the phone she said it was due each month on The XXXX XXXX. And saying I now owe {$54.00} late fees as well. I was not to have interests charges as long as it was paid in full .yet they say now I do have them and I still owe {$980.00}. Or {$960.00}? They are not for sure. Still when I have paid them {$1400.00} plus XX/XX/XXXX I called and paid {$40.00}. For XXXX payment. It should be paid off with no balance. I am not late .never have been and have proof of every receipt since XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, Transunion, XXXX, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! Transunion, XXXX, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.

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 2021-01-22
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: Information belongs to someone else

Complaint:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX 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 2020-11-22
Company: AXOS FINANCIAL, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Axos bank refuses to send me documentation from the merchant for a disputed transaction. This has been going on over 2 months I have submitted a complaint prior with the same excuse I have contacted the merchant who has told me they processed the refund. Axos bank ither is lying to me and or/ will not dispute the transaction under regulation E then closed my account access so I am unable to verify weather merchant processed credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2015, I refinanced my home loan. This summer, I received a notice from the XXXX government, that my property taxes had n't been paid in the prior six months. Nationstar, my loan servicer, collects an escrow for this purpose. I thought they were paid at closing but even so, Nationstar should manage these payments. I contacted Nationstar to inquire as to the status of property tax payments. They said that they conducted an investigation and then made a payment. I asked them to share what they learned during their investigation, specifically I sent them the following : '' The update only seems to note that a payment was made. Please provide the results of your investigation into this matter. For instance, please clarify whether an amount was also paid at closing as noted by the loan underwriter. How much was the late fee and how was it paid? " Nationstar did not respond to these questions. I ask that they offer a full accounting of what happened, who was at fault, and whether they charged me for the late fee. If they did charge me for late fee, why they did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I want to remove this Accounts, because it's a fraud, I am a victim of identity theft. someone used my personal information without my :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I am mad at XXXX XXXX  because i had lost my job due to covid-19. I called XXXX to get on their forbearance program but I did not call in time before I was mark on my credit reporting with a 30 days past due. I would like XXXX to fix my credit reporting due 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 explanation
Consumer complaint received 2021-10-07
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I got a bill related to XXXX from XXXX on a XXXX XXXX, this was to be paid by my health insurance. I repeatedly ( at least 10-phone calls ). I called both insurance and XXXX and doctor office billing department of XXXX XXXX to get the problem fixed. I also sent in fax with insurance info. I had both insurance and XXXX on a 3-way call and thought this was finally after 14-months resolved. The next thing I see is a major deragatory report on my, otherwise stellar credit report from Radius Global. I never received any warning of debt collection attempt prior to this credit report filing by 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 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 repeatly call and written Transunion telling them that I do not work for XXXX XXXX a XXXX home. There is no XXXX, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on 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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2019-11-13
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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