BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Hello, My wife and I researched credit cards after we got married to move from individual to joint financials. We found the American Express Blue Cash Preferred Card online and deemed it to be the best suited for out needs. The promotion at the time was 6 % back at U.S. Supermakets ( up to {$360.00} a year ), 3 % can back at U.S. gas stations and 1 % everywhere else. The card is normally a {$95.00} annual fee but this particular promotion, on the American Express website, was 1st year free plus a {$200.00} statement credit after the first {$1000.00} of purchases. We applied for the card and were approved. We were thensubsequently charged the {$95.00} for the 1st year membership. We both have called numerous times about the charge requesting the reimbursement. The first call resulted in them opening up a review that took 6+ weeks, we received no call, and they closed it without resolution. After 8 weeks and two statements, and no {$95.00} credit, I called back. This time I spoke with a manager who worked with me on the phone to clarify and find the actual promotion they posted on their website. At first she claimed that no promotion ever existed. They magically, she found it, and confirmed it ran for almost 4 months on their website. She provided me the offer code and confirmed that we did in fact apply during the promo period and that I would receive the {$95.00} credit in 6 weeks. We are now around 7-8 weeks later and still no credit. The promo code I was given is : XXXX Sadly, for Amex, I acutally took a screen shot of the offer as well! Which clearly shows the promotion and terms for the card that we not only applied for but were also approved. 

I have called roughly 5 times and have been given nothing but more delays, empty promises of return phone calls and credits that never happen. This is unacceptable. If you aren't going to follow thru with your promotions they should not be offered. And if you aren't going to follow thru on your own accord, you should definitely do it after someone calls and you confirm as a company you are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
NEVER FILE FOR THIS ACCOUNT

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: 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXX, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.

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: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Was charged late Fee of {$100.00} Unfairly, Under COVID 19, where the government advice that we may hold the mortgage. also i was refinancing the loan with the Bank. 
with all the issues going on Penny Mac insisted to charge late Fee they Got paid twice but 3 days late and they holding my money for 20 days as per the bank rule. customer service is not willing to help giving COVID19 hardship where some tenants couldn't make full payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2021-09-17
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have XXXX fraudulent account being reported on my consumer reports to the credit reporting agencies i need those XXXX accounts from LVNV Funding removed from my consumer reports. When i asked for validation not verification there is a difference all i got was statements which doesnt validate the debt i have attached an FTC REPORT i need those accounts removed from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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:
ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final classes for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX as I'm sure ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Information belongs to someone else

Complaint:
I have contacted XXXX XX/XX/2021 Via certified mail with return receipt for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.

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 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

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 2021-09-17
Company: Shellpoint Partners, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I exited forbearance XX/XX/2021. Shellpoint has made multiple errors and incorrectly reported my account as delinquent. This compliant is regarding a foreclosure notice sent while under the CARE ac protection and requesting payment in a high pressure manner outside of agreed upon repayment terms agreed by phone and writing. The threat of foreclosure during a moratorium is a breech of federal guidelines. Below is timeline of conversations and contact between myself and Shellpoint and a copy of the foreclosure notice. The foreclosure notice during a phone conversation was defined by Shellpoint as the Trial modification payment approval document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XX/XX/XXXX, I subscribed to Experian 's premium membership so that I can monitor my credit. They drafted funds from my account despite reflecting inaccurate scores/report every month. I called to say that my scores are from XX/XX/XXXX and the woman lied saying give it some time to refresh and then it will update. This was after I paid to upgrade my membership. Please refer to case # XXXX. I even brought this same issue up during a chat and the representative was very unhelpful. Taking money for services not rendered is fraudulent and thievery.

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 monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NV
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:
In reference to complaint # XXXX I received notification that this was a duplicate complaint. It's not a duplicate complaint because I have provided all of the information that was REPORTING INACCURATELY with XXXX XXXX XXXX XXXX. I have sent a dispute to the company and they have failed to respond to me. It has been well over 30 days. Nor have I received a response from Experian. XXXX and XXXX just updated the information but they have not stated why the information was updated especially if the account is closed, how can it be updated? Nor was that the reason for my dispute! 

What was the method used to verify that I was the owner of the accounts listed, and how were they able to update the information to MY personal credit profile? WHERE IS THE PROOF I REQUESTED? Why hasn't it been sent to me as I requested? 

Each day your company refuses to properly investigate this company and the incorrect items they are reporting, is causing me stress. Im asking you for probably the 10th time to please re-investigate the negative accounts that XXXX XXXX XXXX XXXX is reporting. 

How is this right that on each credit bureau they are able to report inaccurate information to my personal credit profile and reports? 

What are your methods to verify the accounts reported and the company reporting? Can you please provide them to me? If not they need to be removed immediately!

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: 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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XXXX/XXXX/20.  Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : ( XXXX ) - Account : XXXX Creditor : XXXX XXXX XXXX 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 2020-04-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attempted to dispute a XX/XX/XXXX mishandled payment with XXXX XXXX 

In an possible act of retribution or discrimination, XXXX XXXX has sent an false/ inaccurate report to Experian XXXX The loan balance has been inflated to {$48000.00}. Also an other false notation is that they now report both the XXXX and XXXX payment as late. Attached will be information showing my loan balance in XX/XX/XXXX as being XXXX. How does a loan balance increase? My amortization schedule should show the balance going down about XXXX dollars every month not going back up to the $ 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 2022-11-16
Company: EQUIFAX, INC.
State: AZ
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: FC HoldCo LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are not responding to my letters when I specifically told them to talk to me in a written correspondence. They have called me 5 times after receiving the letter

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a complaint on XX/XX/2021 ( # XXXX ) for transunion dealing with a bankruptcy that is on my credit report and they did an interim reply on XX/XX/2021. Nothing since. I gave all the paperwork to show where they keep saying they are getting it from is untrue. I have given every company that I know hey are going to try to lie and say they used. They told you all that I can contact them on XX/XX/2021 and they have ignored me. It has been over 2 months since I put this claim in and they still ignoring me. This is something that they are not investigating and still coming back as its mine. This needs to be taken off now.

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 2017-10-26
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:
I was looking at my equifax annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XXXX XXXX 2017, XXXX XXXX, XXXX XXXX put a hard inquiry on my credit report. But I did n't apply any credit card or load from XXXX XXXX, XXXX XXXX in XXXX 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: College Loan Corporation
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a Federal Stafford Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time Federal Stafford Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the two references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.

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: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
hello, i have a capital one credit card. my payments were not being updated on my XXXX  report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my capital one account. the account is still active and being used. the deletion does not show on my XXXX  report, only XXXX. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with XXXX, who sent me to capital one, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Installment account reporting to my personal credit report was removed recently this month. The removal of this account affected my length of credit history and oldest account, resulting in a negative affect to my credit report. Would like this information to be added back to my credit report as it is accurate and correct information. I have also asked the data furnisher to resubmit the information to transunion.

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 2021-09-17
Company: National Commercial Services, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the National Commercial Services ( NCS ) debt. servicing company claiming I owe {$8000.00} for a debt owed to XXXX XXXX and XXXX XXXX. I do have a XXXX recreational vehicle policy, so I called both my regional representative and the XXXX national customer support number, and neither could find any outstanding debt. My account is paid and current. This debt is not mine. I believe NCS has made a fraudulent claim in this case.

Company response to consumer: Closed with explanation