BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I have a small business credit card with American Express. They told me that they did not receive a payment and closed the account. They also reported on my personal credit that they closed and charged off the account. During the pandemic. We gave them proof that it was paid. They still have not credited us and filed a lawsuit against me in court for this amount plus a {$2000.00} interest charge. 
I have been calling them. My attorney has been calling them. This has been going on for about 7 month and they told my attorney they were sending me a letter clearing up the matter and then they filed a lawsuit. The man that claimed it was cleared up was Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
have a checking acct with them for over 12 years. can not sign on all of a sudden. Nobody to help. Hold times are over XXXX hour. Local branch never returns calls or messages. Want my small balance of XXXX mailed to me via check. Customer service is not available. Want them to close acct now and send check. Cant access my acct to even get acct #. Spoke to lacal branch last week and rep said they would send a link to update sign on, never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: General Motors Financial Company, 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 checked my report recently and noticed that you did not remove it. 
Americredit Inquiry from XX/XX/2019 Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
My name is XXXX 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 2018-12-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. DIVERSIFIED HAS NEVER CONTACTED ME REGARDING THE ACCOUNT IN THE AMOUNT OF {$1100.00} AND HAS NEVER GIVEN ME THE RIGHT TO DISPUTE THE ALLEGED ACCOUNT. I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED NOR ANY COMPANY THAT THEY REPRESENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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 want to thank you first of all for extending me credit back when nobody else would. I have had my two capital one credit cards for a while now. I have had my rewards card for about 3 months now and the platinum secured card for about four months now. I have worked hard in rebuilding my credit and look forward to many years with my capital one cards. I have made every payment on time and try to keep my utilization under 10 %. I make multiple payments in the same month to keep my account balance low as possible.While I am grateful capital one has given me a chance to rebuild my credit i am having issues with capital one and their constant denial of a credit limit increase. Each time they have told me my account is too new or Secured cards are not eligible for credit limit increase. Every time i call into customer service to ask where that information is stated online or in my account access i don't get any answer and get a scripted response of their is nothing we can do. Asking for my account to be reviewed for consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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: Information belongs to someone else

Complaint:
I contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXXXXXX and   XXXX, XX/XX/2019 - XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful.

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 2023-02-18
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-12-27
Company: OPORTUN FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Oportun XXXX, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I put XXXX into the ATM at Bank of America XX/XX/2023 XXXX XXXX XXXX FL, they allow me to know that they apologize for the inconvenience, And was not able to process my request and did not return my Money item ( s )

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 2020-03-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS 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. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I was a co-signer for a synchrony car care credit card, I was never informed of any missed payments by either the company or the person who was the one to utilize the credit card during the entirety of the missed payments. I never once used it nor did I even have a card with me to use it. I disputed this account several times asking to be removed and or taken off my credit report due to the fact that it was paid in full already and the fact that I never utilized said card or was contacted or missed payments for so long. I never get a response describing why it wont be taken off when I dispute it or what the findings were from the 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 2021-02-05
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:
I have a few accounts that I found on my report that are inaccurate and fraudulent. I believe someone has accessed a account using my personal information. Please delete the following accounts : 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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX  mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.

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 2023-01-25
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$630.00}

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 non-monetary relief
Consumer complaint received 2019-10-03
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: Public record information inaccurate

Complaint:
Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2018-08-13
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC located at XXXX XXXX XXXX. XXXX, FL XXXX was contacted on XX/XX/18 and failed to provide answers to all of my questions. They were unable to provide me verifiable proof of any copies of an original document to prove I owe this debt allowed to me under my rights of the FCRA. I told the representative from ERC that a copy of a statement is not proof and a verifiable copy of original is required by law. I am asking this supposed debt be removed from my credit report as it is hindering my ability to obtain a mortgage, auto loan, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Home Loan Center, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Re CFPB complaint # XXXX, as lending Tree not responding, I sent the email below to the CFPB whistle-blower email address, but got an automated reply sending me back here if the issue of the complaint affected me personally, which it has ( see below ) _____________________ Greetings, _____________________ I filed my complaint w/ the CPFB on XX/XX/2021, as seen below. Were now closing in on one month later, and despite having been contacted by the CPFB for a response ( none provided ), Lending Tree continues its bait and switch tactics. 
Attachment 2, which appeared on my XXXX home screen 2 days ago is ironic, as next to the ad appears a real estate article correctly stating that the 30 year fixed rate is in the area of 3 %, while Lending Tree simultaneously shows 2 % on same page. No doubt Lending Tree is making millions of dollars selling leads to dozens and dozens of lenders, none of which have the rates posted. 
I know, because after seeing these ads for years, I finally responded, and put up w/ the myriad calls from dozens of lenders, none of which offered anything but market rates, which were on average .875 to 1.125 % higher than Lending Tree is stating.

There is no question in my mind that Lending Tree is acting in bad faith, and as theyre not responding to the CPFB, nor ceasing/ desisting their bait and switch tactics, its clear that they have little concern nor respect for the law nor the CFPB. 
I was shopping for a personal no cash out low LTV refinance for XXXX on my single family residence, and missed out on sub 3 rates, taking phone calls w/ the dozens of loan officers who purchase leads from Lending Tree, wasting hours upon hours of my time, so I have been personally damaged by their blatant misrepresentation. 
If lending Tree can not direct me to a lender offering the rates theyre advertising, I request that they be required to pay a lender to provide the advertised rate, or stop misleading the public. 




_____________________ On the day the 2 % was posted ( XX/XX/2021 ), 2 % for a 30 year fixed would actually have costed XXXX points, which would cost {$290000.00} in my case of a XXXX loan amount ( XXXX X XXXX points ), which I feel Lending Tree should provide me if they cant point out a single lender that is/was offering what theyre posting. 
Based on Florida regs, I believe that they could be responsible for a fine of XXXX per day, from the time they ignored your contacting them, which could provide another method of recapturing my loses now that rates have risen again. 
______________________________________ Does the CFPB have any actual interest in having their regulations complied with, and the public protected? 

Im hoping so!! 

Thank You XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
US Bank Business Checking Account Offer : I saw a banking offer for {$750.00} when depositing {$15000.00} and keeping the funds in the account for 60 days. I wasn't sure about the details, so before I've opened the account, I've called the bank and ask if the representative can look at my other account to see if I would qualify for this offer. I've had a relationship with US Bank with other credit cards for about 5 years. The representative looked at my accounts and confirmed that I would qualify for this promotional offer. 

I've opened this business checking account on XX/XX/23. 
After I've made the {$15000.00} on XX/XX/23 I've called again to verify that my account is set to receive the promotional offer in which the representative confirmed that my account would receive the {$750.00} bonus offer after 60 days. 

I have been informed that all calls are recorded when speaking with a US bank representative. And the manager can access these calls to verify the information spoken over the phone with the representative. 

After the 60 days were past, I've called in to see when they would deposit the promotional offer, and they've told me that I would not qualify. 

My complaint is that I've spoken with 2 representatives at the bank and they both told me that I would qualify for this promotional offer. I honestly was not sure if my account would qualify, so I've called to get this verification. Now they are refusing me of the offer after 60 days. Not 1 representative but 2 representative had informed me that I would qualify for this promotion. 

I kindly ask that you would please help me with this issue. 

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