BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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 submitted a dispute online and Experian and XXXX supposedly investigated the issue and it came back as a valid debt. It is not and if they properly investigated with the information below and attachments I submitted they would see it's not a proper debt and needs to be removed from my credit report. 


We moved out of our apartment ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: In progress
Consumer complaint received 2023-06-06
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I officially paid off the vehicle on XX/XX/. Now over a month later they barely said they released my title to me ( XX/XX/XXXX ). Its been 9 business days since then and we are on XX/XX/XXXX and still no title has arrived. This should have been completed weeks ago and still no title

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 2019-06-09
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I received an unsolicited offer from American Express Company ( " Amex '' ) to apply for a new Gold   Delta SkyMiles credit card ( Delta card ). The terms of the offer provided that 60,000 Bonus Miles were to be earned after making {$2000.00} in purchases on the new Card within the first 3 months, and a {$50.00} statement credit after making a Delta purchase with the new Card within first 3 months. The offer was valid until XX/XX/2019. 

I submitted an on-line application for this Delta card, which was promptly approved given my excellent credit rating and an impeccable payment history with Amex for the last several decades. I was notified of the approval by a letter dated XX/XX/2019 from Amex ( copy attached ) on the basis that I applied.

As I timely fulfilled all the requirements for the Bonus Miles and the {$50.00} statement credit, I contacted Amex on XX/XX/19, about the status of reflecting these miles and the credit on my account. I was advised that the advertised bonus offer was not being honored by AMEX in spite of my having met all the offer requirements, but that the matter would be investigated further ( case # XXXX ). In a subsequent chat with an Amex representative on XX/XX/2019 ( reference # XXXX ), I was informed that I was ineligible for this promotion even though I was never previously so notified or advised. The stated reason for this decision, notwithstanding the fact that the new credit card was already approved, was the reported existence of my other Amex credit cards, which limitation was never previously disclosed to me. 

This is a classic example of a bait-and-switch perpetrated by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Kriya Capital, LLC
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:
There are 2 of the same accounts opened from XXXX XXXX Properties, but since they are under 2 different accounts they won't remove the one. I tried last XXXX ( 2021 ) to have one removed but was refused since it's technically 2 different accounts. I was then told to contact the people who filed the report ( XXXX XXXX ), which I did and they said there was nothing they could do since it was already reported. I have not received any paperwork about the claims and am asking for both to now be removed from my credit on my XXXX report since it is not on my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: DISCOVER BANK
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: Other problem

Complaint:
I strongly, wholly and completely, reject Discover 's recent erroneous, defamatory, damaging and retaliatory action against me and my card account. This is nothing short of gorilla marketing, an outrageous attempt to scare a consumer, to force a consumer to use their product, or else, while they damage my credit reporting with unwarranted changes and restrictions to my account. 

On or around XX/XX/XXXX, Discover solicited me for an account, and set me up with a {$750.00} credit line. While I felt this was insufficient, and after raising this issue with their Customer Service, I figured, in time, I would qualify for an increase with my good credit and payment history. 

In XXXX of XXXX, I received a notice as a result of my good account standing and payment history ( which was perfect ), the announced they raised my credit line to {$1800.00}. 

Before, during and since, my credit report has been flawless. 

I just got notified, that due to my " significant delinquent '' credit history, and because of lack of activity, they have lowered my credit line to {$500.00} ; further, if I don't use the account in 30 days, it would be closed. 

I am shocked. I have been in the payments industry well before Discover was even conceived. Obviously, they still have a long way to go to join the legitimate ranks of Visa and Mastercard operating models.

This is no way to encourage use of a card product, in fact, if they had given me an appropriately credit line to begin with, and not thrown me a bone, which wasn't worth the cost of an inquiry, I might have used the account more frequently. Not all merchants take Discover, so Visa is still the # 1 card product in the US. Yet, I gave them a chance, a few times, to meet my needs for a decent credit facility line. 

I just got notified by XXXX XXXX and XXXX XXXX, both {$0.00} balances, and they have informed me that they are changing processors, but thanked me for my business and to expect a new card in the mail. This is professionalism. This is customer courtesy, respect. 

I just got a home loan in the XXXX XXXX XXXX XXXX on a XXXX dollar property that was paid in full with XXXX  delinquencies. All my card accounts have been paid " exceptionally ''. 

Discover, this is a shame and a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im complaining about a debt letter I received from online information services is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. I have never used XXXX XXXX, and this is not my debt, Im a victim of identity theft now, I have filed a police report with XXXX XXXX sheriff Office, case # XXXX the amount owed is XXXX dlls the date of service is XX/XX/2023, just got the letter from the collector on XX/XX/2023. I have called the On Line information services and they told me to report it directly to XXXX XXXX and XXXX referred me to this web page. XXXX phone number is XXXX. I have lived at my address for XXXX years and I have never used XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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:
15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I have attempted on three occasions to get this issue rectified with Executive Office of Well 's Fargo. I was approved for a three month COVID forbearance plan which ended in XX/XX/XXXX. My payments were to be restarted XX/XX/XXXX. I paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( which was the last payment ). I called the company in XXXX as I noticed the account was not updated correctly with the successfully received payments. Instead, my account was immediately closed and N/A was listed for those months as if they have no recollection of receiving my payment. They are in direct violation of the Fair Credit Reporting Act as this information they are providing is false and the accurate information as not been updated. Failure to correct it is a direct violation of the FCRA. I received a letter from them and a telephone in regards to this situation. The specialist XXXX in the Executive office said " it would take a month or so for the account to update. '' However, that is not true and it has not. I called again and was told I completed a year 's COVID 19 forbearance and that is not true. I have documents of the three month ONLY COVID forbearance plan that was initiated and the ONLY thing that I have ever agreed to with them. I have paid them in good faith for three months and they have refused to update my credit report. They have caused MORE harm by just quickly closing my account and NOT doing what should have been done which is report my account as positive to the credit bureau. However, they would be so quickly to report it if it were negative. I am so dissatisfied and unimpressed by the Executive office at Wells Fargo. It is a complete joke. I called about four weeks ago and was promised a call. No call and no more follow up notices by email. This is insane.

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 2022-12-23
Company: Exeter Finance Corp.
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:
Exter Finance has been disputed and contacted several times for incorrect credit reporting. The account was XXXX. in full for the settlement amount however on each credit bureau it is reflecting incorrect information. For example past due amount, closed account, delinquent, original agreement was account would be paid to delete. After account was P.D. on amount agreed and letter would be sent as proof and account would be removed however account still reflecting not only incorrect information but after terms have been meet still showing on Co owner and my account. After speaking to several representatives and several disputes account still reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, My name is XXXX XXXX, I have a debt from JPMCB Card under the account # XXXX that isn't my debt. I have no knowledge of this account neither have I partaked in any business with this lender or conducted any business. My identity was compromised in a data breach back in 2017 so I filed a FTC complaint in which I will attach regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: BB&T CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a BB & T checking account on XX/XX/2018 under a promotion as outlined below : Within 75 days of account opening you will receive the {$150.00} incentive if 1 of the following is completed : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more I did 3 billpays ( each for {$26.00} ) on XX/XX/2018 which fulfilled this requirement. 

In the following 4 months I repeatedly contacted BB & T bank through secured messages online and was repeatedly sent canned responses that delays the opening bonus. 

Their response stated that " Your account will be reviewed between 75 and 120 days '' and " The {$150.00} incentive will be paid within four weeks of qualifiers being met. ". 

It has been 129 days since I met the requirement and they are not responding to my messages anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I file a dispute about incorrect items on my credit report. it been well over 30 days and i have not received any information about the investigation results.

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 2022-12-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore llc purchased my mortgage during covid and while i was in loss mitigation from previous servicer.rushmore llc defaulted my mortgage and denied loss mitigation.My hid housing XXXX enrolled me into the state of new jersey XXXX XXXX XXXX XXXX delayed the process by not submitting documents required and reporting me late and missed payments to credit bureaus.Rushmore llc has many complaints online of these same pratices.also Rushmore llc continue call asking the status of mortgage and physically put notices on my door knobs

Company response to consumer: Closed with explanation