BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for an American Express Everyday Preferred credit card in XXXX 2016. The sign-up bonus as was shown on their website was XXXX Membership Reward points. Upon fulfilling the requirements of the bonus, I noticed I only credited XXXX points. 

Despite a screenshot that proves I was shown this XXXX point offer, I have been forced to contact American Express repeatedly about my issue. Each representative I speak to knows very little about my issue. In XXXX phone call, the Amex representative was unable to locate any case opened for me. In another call, I was informed that the Amex back-office did not work on my case, as they promised, and had no information to give me. 

Most recently, I was told by American Express that they were unable to verify that I was given this offer. I been forced to open a case with the CFPB as it is becoming clear my internal case is not being handled properly. 

I would like to be credited the remaining XXXX points and will attempt to attach a copy of this offer to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: FORD MOTOR CREDIT CO.
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
FRD MOTOR CR XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2020-11-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to contact Comenity Bank through this channel because I dont know what else to do. In XXXX went to forever 21, this company offered me a discount, I had no idea he was applying for a credit card, I thought it was a store discount card, and gave them my credit card to charge, but they ended up putting it on the Forever21/Comenity card. 

Also, during Covid, I was stuck being out of California and couldnt travel back home to check my mail. When I came back I saw bills from Comenity but the front of notices always showed Comenity and not Forever21, so I thought this was all junk mail and I found out when I got an alert from my credit report that the score had plummeted. 

This was an unfair situation, since I was not even aware of what they did. This is a violation to my rights as a consumer. I have suffered many financial and emotional damages because of their actions. All I want is the item to be removed from my reports. 

The account information is the following : Account # # XXXX Date Opened XX/XX/2020, High Credit {$300.00}, Credit Limit {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a client of Wells Fargo for 30 years. I started a business at XXXX XXXX XXXX. When I applied for and was authorized for a loan within the Covid-19 relief program for small businesses affected by Covid-19, they promised the loan yet never delivered causing substantial losses to myself and business not limited to inability to rehire employees or carry normal operations. When I asked a branch member their perspective they stated that I was not taking care of myself due to my XXXX XXXX. As a woman and a person who identifies as someone with a XXXX, this was unacceptable given they had an obligation to support small businesses. Instead, they forced me to use a high interest credit card rather than grant me the forgivable 1 % loan that I was entitled to for my business expenses. 

They have been unwilling to negotiate a reasonable resolution despite ongoing attempts.

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 2018-08-03
Company: RIA FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX money transfer to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. Can you please arrange refund of my money of {$950.00} as I was a victim of online scam. Please see attached XXXX receipt for that I paid the buyer. Thank you,

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 2017-11-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax refuses to allow me to challenge child support, which is clearly incorrect. THis item is already deleted from my XXXX report! I have had this problem for quite sometime, my constitutional rights are being tossed aside, please help me! Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BTH Management
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: Account status incorrect

Complaint:
On XX/XX/2021, Ive tried emailing, calling, chatting, and messaging and still cant get in touch with anyone. Today XX/XX/2021I tried again emailing, calling, chatting, and messaging and still unsuccessful. I really want to speak to someone so, I can get this removed off my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions Inc.
State: MO
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:
Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX   {$3900.00} ( 4 ) Dept of ED/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.

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 2019-09-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My company with zero notice closed me down

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 2023-03-16
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: The Claims Center LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX by phone and e-mail on three separate occasions concerning a claim sold to his company. Mr XXXX indicated that he was attempting to collect on a debt he believed I owed to XXXX XXXX for damage caused to a gas line on my property. I informed Mr XXXX that I did not cause damage to XXXX 's gas line and that I was not going to pay a third party bill collector to satisfy damage that I am not responsible for. I advised him that these charges were applied to my account because the gas company billed it to the account associated with the property where the damage occurred. 

Today I replied to XXXX XXXX e-mail and told him who I thought caused the alleged damages as he requested based on photos he sent me of a vehicle that hit a line causing the damage. I told him it was not my vehicle and I was not the responsible party. He became abusive in his language and threatened to sue me personally. I made it clear to him on multiple occasions and in writing today that he was attempting to collect a debit in error. 

He stated that he would continue to call every 5 days until I admitted to the charges and paid his company the debit balance and {$150.00} to collect the debit or they would file suit and incurr additional legal fees. He said I was responsible for tracking down the person or persons who did cause the debt. He also stated that I could then sue to recoup the {$150.00} in fees, {$1200.00} in damages and {$2000.00} in threatened legal fees from the responsible party after I paid his company.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our COVID-19 related forbearance on our XXXX XXXX loan expires XX/XX/2021. 
In order to request a payment COVID-19 payment deferral we were instructed by a phone representative and via the end of forbearance emails we received from XXXX and TIAA bank , that we should fill out a mortgage assistance application in order to be evaluated for the COVID-19 payment deferral. 
On XX/XX/2021, we downloaded the mortgage assistance application, completed it, included all requested documentation, and mailed it to XXXX TIAA Banks loss mitigation department via USPS . We also emailed it to XXXX. 
Along with the application we stated : The forbearance plan for our Fannie Mae backed home mortgage loan ended on XX/XX/2021 and we are requesting a COVID-19 Payment Deferral.

Our COVID-19 related hardship has been resolved and we are able to continue making our full monthly mortgage payment. At this time, we are unable to afford a full reinstatement or a repayment plan to bring our mortgage loan current. 
Today on XX/XX/2021 we received a Flex Modification Solicitation Cover Letter and Agreement to sign. This is not what we want to do as it doesnt provide any deferment on our forbearance amount and will negatively impact our credit. We are able to afford the monthly payment under the current terms of the mortgage and do not want to extend this loan to 480 months. 
We immediately called XXXX and inquired as to why were sent this agreement instead of the requested COVID-19 payment deferral. We were told that because we completed the mortgage assistance application, we were applying for a flex modification loan. We told the representative we do not want a modification on our mortgage loan and would like to be evaluated for a COVID-19 payment deferral. 
I feel that XXXX isnt following all the requirements for a mortgage servicer post COVID-19 forbearance. As per the Fannie Mae Lender Letter ( XXXX ), we feel that we meet the Eligibility Criteria for a COVID-19 Payment Deferral. However, even though we specifically requested to a COVID-19 payment deferral, we have yet to be evaluated for it or offered one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: EQUIFAX, INC.
State: PA
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:
There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my Equifax score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: VA
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:
I have tried to get injuries remove from my Equifax and XXXX report that are Fraud I did not make these injuries. Please remove. XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is from XXXX XXXX, a consumer/natural person. I am submitting this on my behalf and there is no third party involved. I notice that the company affirm is still reporting information on my report and continuously updating negatively causing harm to my credit profile. I also did not give written consent for them to furnish anything on my credit report. This is a violation under federal law pursuant to 15 USC 1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are addresses and personal information on my credit that is not mine! This is a very serious issue and I have reached to all three credit bureaus and have had no success I am very worried about this misinformation showing 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