BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting 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:
I have no knowledge of these hard inquires and that hard inquiries are a result of identity theft and that it must be removed within no later than 4 business days as per 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
This is the second time I've had to file a CFPB complaint against AMEX. 

It appears they are not going to payout the 130,000 bonus points and free night associated with the sign up on my account. 

They currently have 3 XXXX AMEX cards out there right now. I have attached a picture from their XXXX advertising. They basically advertise them as a bundle. 

I have also attached a letter sent to me from AMEX stating their customer service was incorrect to tell me I wasn't eligible for the bonus points on the first XXXX card. Those points were awarded. However, now it appears they are holding up the bonus points on the XXXX card. I have attached the statement showing I was awarded the points based on the minimum spend. I have also attached screenshots from customer service. They basically tell me I'll get the points, but I just have to be patient. Then a few weeks later, they tell me to wait a few more days. Basically, they want me to keep spending on the card, but offer no real timeframe, aside from " just keep waiting and we'll let you know ''. This whole process is very deceiving. AMEX has written language into their CC applications that give them the option to not pay out bonus points for ANY REASON. It is extremely vague and very consumer unfriendly. These cards are marketed all over the internet. All over the XXXX app. It's a very aggressive campaign. Then they just decide not to pay out points. 

AMEX has a system in place to stop your credit card application from going through if you have defaulted on them in the past. They don't even run your credit. It's an automatic denial. I bring this up because they have the ability to do this for bonus points too. I know in some cases, I've seen reporting where a pop up comes up during the application process telling the applicant, they can apply for the card, but will not be eligible for the bonus. This should be universal. If AMEX does not have that pop up come up, and they run the applicant 's credit and that applicant satisfies the minimum spend, the offer should be paid out. 

I have applied for all 3 XXXX cards. The pop up didn't come up on any during the application process. 
I have been misled by customer service via the chat, or at worse, lied to. 

This year, I have spent over {$32000.00} on AMEX charges. How much more do they want me to spend with them?! By the end of the year, it will be close to {$40000.00}. 

They will have gotten merchant fees off {$40000.00} in charges, but not satisfied their end of the deal. How fair is that?! 

If AMEX doesn't want to award points, they need to be upfront about it and give the applicant that info BEFORE credit is run and the card is issued. Vague fine print is not something a multi billion dollar corporation should be able to hide behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XX/XX/21 I received an email after applying for a personal loan on a website XXXX  XXXX directed me to. It took me through several applications from different places and I filled them out and when I checked my email later there was an offer XXXX at 6 % from XXXX XXXX at XXXX XXXX. XXXX. I called he asked for banking info and that was a big no go on my part. So he said I could pay the XXXX $ with a XXXX XXXX activation card which in my head at the time made sense bc he was telling me he was western union the loan. Well I could not find the card so he said get XXXX play got it he said since I have bad credit I had to make a one time payment of XXXX $ paid it. Then he said I still could not get it bc I had to pay state tax XXXX XXXX Im such a dummy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NC
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. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.

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 2023-10-19
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX or XXXX XXXX XXXX Account Number : XXXX The collection payment history is inaccurate across all XXXX credit bureaus and I have no proof that this alleged debt belongs to me. 
Consumer Reporting Agencies are pretty important and should maintain positive accuracy by law. 
I'd be really grateful if you could check into this for me. Could you send me copies of the statements that show that this collection account is mine and belongs to me? 

Thank you so much for checking on this for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
BANK OF AMERICA OPENED AN ACCOUNT IN MY NAME I I HAVE I HAVE THE PAPERWORK THAT AFTER EVERYTHING THEY DID THREATEN ME WITH TAKING ME TO JAIL AND GOING TO JAIL AND SO FORTH THEY FINALLY SENT ME A LETTER SAYING OH OUR BAD IT WASN'T US BUT THAT IS STILL ON MY CREDIT REPORT AND I'M STILL GETTING SCREWED

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 2018-08-28
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My father sent me {$75.00} for a small bill. He urged me to get a XXXX card.I opened the account and he transferred funds.XX/XX/XXXX it posted as pending and had been so ever since. We have called several times and the two entities are not working in complete unity. They pass responsibility from one to the other. I need the funds and can not gain access.

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 2021-02-13
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 explanation
Consumer complaint received 2020-09-19
Company: ERC
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:
XXXX  is falsely reporting two account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX and Ive managed to get the account removed from my report on the other credit bureaus but XXXX  will just not remove the obsolete erroneous inaccurate unverifiable account. Plus they wont tell me or send me proof of how they verified. Both accounts need to be removed Enhanced Recovery XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a federal student loan through Navient and my first payment due was on XXXX XXXX, 2017,  with a total due of {$160.00}. I put a payment onXX/XX/XXXX with a total amount of {$210.00} but when I checked my account, I was charged late fees for my loans. On my account, the payment appears to be still processing but why did Navient charge me late fees when I put a payment before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back on XX/XX/2022 in the amount of a total of {$250000.00}. However, the company is a fraud, and can not get in touch with anyone within the company. This was solicited as an investment in the property in XXXX, MD. However, the person is unreachable by any means. I personally went to the office and found out from the owner of the building that he hasn't paid rent in over a year and he hasn't visited his office in a long time. However, I found that his wife works in the same building for a company XXXX XXXX XXXX XXXX XXXX. I have no way of reaching him.

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 2020-09-19
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: Account information incorrect

Complaint:
During the time, COVID 19 was at its worst in XXXX, XXXX, and XXXX. I called in notified XXXX XXXX that due to the pandemic, my work hours were reduced, and I needed more time to make a payment. I made an arrangement to pay in XXXX, which I did. However, they reported to the credit bureaus that my payment was late in XXXX, XXXX, and XXXX. Even though it was agreed upon, I had to make payment in XXXX. I ended up making the payment in XXXX to avoid having them continue to report late payment. I spoke to them and confirmed the agreement. However, they said they are unable to change the 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 2023-04-16
Company: EQUIFAX, INC.
State: TX
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 recently checked my credit and saw that theres still a collection that i disputed a few moths ago that is violating some FCRA laws and should not be reporting in my credit. I'm now in search for a house and this collection is keeping me from getting better rates its affecting my credit please help me DELETE this negative remark. The collection that needs to be REMOVE will be listed below. 

XXXX, XXXX XXXX XXXX acct # : XXXX Amount : {$2000.00}. 


This account is in violation of 15 U.S. Code 1681e - Compliance procedures. 

PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-07-17
Company: CORELOGIC INC
State: MD
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 Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: JPMORGAN CHASE & CO.
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:
I have a loan with JPMCB AUTO FINANCE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB AUTO FINANCE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and XXXX, and JPMCB AUTO FINANCE with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: MI
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX  Account # : XXXX Account Name : US DEPT ED Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: LEXISNEXIS
State: MI
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:
I have tried several times to obtain my consumer report from LexisNexis, in each attempt I was not provided a copy of my personal credit report. XXXX XXXX continues to furnish outdated and unverified information about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts on my credit report that aren't mine.

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : 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 2018-04-30
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Contacted XXXX XXXX in XX/XX/XXXX about loan consolidation. They sent me to Nelnet. At that time Nelnet put  me into an IBR ( Income Based Repayment ). The loan originated on XX/XX/XXXX in the amount of {$56000.00} ( 2 loans totaling this amount ). They also indicated I qualified for a 10 year loan forgiveness program. I made {$71.00} monthly payments from XX/XX/XXXX through XX/XX/XXXX. Have not made a payment since. Now per online dialogue with a Nelnet service rep, i'm in a 25 year loan forgiveness program. However, the accrued interest on the loans is now totaling {$11000.00}. This is causing issues as we apply for other kinds of loans. We would like to purchase a house in the near future but this credit score situation is a huge hindrance. We would like to get an answer as to why we went from a 10 year to a 25 year forgiveness. Also, it's a huge weight on my shoulders not knowing what will happen with this loan in the next 2 decades. We would like to have a solid answer as to what the plan is going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
I placed several account disputes with XXXX, XXXX, and Aidvantage related to an incorrect account reporting on my XXXX and XXXX credit file. 

XXXX and XXXX is stating they have verified the information and no changing can be made, which is totally false. 

Aidvantage is stating they do not even show this account that is reporting. 

XXXX shows the account from Dept Of ED/XXXX , acct # XXXX as open on XX/XX/XXXX with a balance of {$2300.00} but a orginal balance of {$2000.00} I had all of my student loans consolidated with Aidvantage XX/XX/XXXX for the following loans account numbers and amounts for a grand total of {$9000.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$2300.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$1100.00} It appears loan # XX/XX/XXXX did not update or reflect to show such as it is still showing open and late on my credit reports and XXXX and Aidvantage refuses to do their job to correct this.

Company response to consumer: Closed with explanation