BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I left my employer XXXX XXXX  XXXX in XX/XX/XXXX and closed my American Express corporate card ( to my knowledge ). In XX/XX/XXXX of this year I receive calls from very aggressive debt collectors telling me that I have a balance on my corporate card. That rather then sending me a letter I should immediately pay by phone. 

I assume this is a scam and I hang up. 
Then in the mail I receive a letter asking for {$140.00}. They claim I made a purchase at something called XXXX in XXXX of XXXX. 


Obviously I didnt. How did this charge go through? Why was I not sent a bill ( I was still an Amex customer. ) Why was I called by an aggressive debt collector. I called them and after being passed to 5 different people its potentially resolved but I have not received in writing that it is or that my card is actually closed ( does the card come with lifetime liability? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Former or Current Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number : XXXX is not on my credit report and is my current employee for last 2 years.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion hard-pulled my credit report on XX/XX/2020 without my approval. I was researching mortgage loans but I never authorized anyone, including Transunion, onXXXX to pull 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
Consumer complaint received 2019-06-10
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a bank account with TCF Bank, On Wednesday XX/XX/2019 for someone. The check was XXXX dollars, XXXX was confirmed so that got taken out of my account the same day. Prior to that day I was able to use my bank card, once the other XXXX got deposited on my card my account was being shown as negative but I had XXXX on my card before XXXX got deposited. Somehow somebody got into my mobile account and tried to do 2 mobile deposits on my account. Then when I went to the bank to see what was going on they said I had to fill out something for fraud, I never got to fill anything out. The second time I went to the bank the teller told me nothing got requested nor filled out. So she did it for me. Now I can't open a bank account until I get cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I applied for an Apple Card backed by XXXX XXXX using an old XXXX that I own and use for app purposes. I was " approved '' with a credit limit of {$1500.00}, and a physical card was mailed to me, which I received and activated on XX/XX/XXXX. 

The following day I attempted to use the card to make an online purchase of {$640.00} for a new phone at the XXXX XXXX online. I received a notification on my XXXX to authorize the purchase - which I did - but then the purchase was declined. I thought perhaps the online merchant ( XXXX ) was attempting to process the transaction using my old address, and corrected my info and attempted to try the purchase again, which was again declined. I contacted Apple Card support in chat, who assured me there was no issue with my card or account, and suggested I try again - which I did - and was again declined. I decided to just use my XXXX XXXX card, and finished the chat with the Apple Card representative, who informed me my account and card were fine to use. 

On XX/XX/XXXX I had a voicemail from Apple card support asking me to call. I called back that same day and they were unable to tell me why they had called, and after being transferred to 3 different representatives one agent thought maybe it was to confirm my phone number - which I did - and that was that. Nobody informed me of any account issues. 

The next day, on XX/XX/XXXX, I once again missed a call while working from Apple Card support asking me to call back. I called back again, and again was told they had no idea why I was being called. 

Today, XX/XX/XXXX, I logged into my Apple Card account and there is a message that my account is " blocked from new spending '', and to call Apple Card support. I promptly did and the agent had no information for me, could only tell me my account was now " under review '', and had no idea when/if someone would call me back, with no resource for me to reach someone about this. 

I am upset that Apple Card offered me incentives to apply for the card with balance transfers, zero interest, cash rewards ... etc, pulled my credit report which resulted in an inquiry, approved me, sent me a card, and within 10 days has blocked it without ever having made a purchase - and has no method for me resolving whatever issue it is they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Im trying to remove my bankruptcy 13 I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze 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 2019-06-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year, Ditech sold my home loan to XXXX/XXXX, but notified me that any payments made to Ditech would be forwarded to XXXX/XXXX. However, while automatic payments in the amount of {$1400.00} continued to be made from my bank, XXXX XXXX XXXX XXXX, on XXXX, XXXX, and XXXX of 2019, none of these payments were forwarded to XXXX/XXXX, and subsequently, I was determined to be 67 days delinquent, charged {$140.00} in late fees, and my account went to collections. On XX/XX/2019, I paid all delinquent payments and late fees to XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 33 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 27 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 3. Transunion never reported the fraudulent account on my Transunion credit report, HOWEVER, Transunion adjusted my credit score with them based on XXXX and XXXX reporting a 'new collection/major derogatory account '. Consequently, my credit score with Transunion dropped from XXXX to XXXX. ***Seems something inherently wrong with Transunion dropping my credit score with them based not on what was being reported on my Transunion credit report but rather what was being reported by the other two reporting agencies****. Regardless, neither XXXX, XXXX or Transunion have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

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 2019-06-07
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the 2nd time I've reported on this company. This time the debt is paid in full, but still being reported and lowering my score. When I've tried to call the company, but there is no answer. I've tried several times before contacting you. The original debt was about {$4000.00}. Ive contacted one of the credit bureaus to file a complaint for the second time. Im contacting this company for the second time as well. This was paid off  through their site on XX/XX/XXXX. Its still being reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested the M & T Bank records for my 1999 original purchase Hudson City Savings Bank mortgage. M & T Bank acquired HCSB and should have the lien release records. I suspect that the " BOOKS HAVE BEEN COOKED '' and that the HCSB mortgage was not paid off because the mortgage was never issued from the beginning. After my offer was accepted in 1999 I tried to get an attorney to do the closing and the attorneys told me a variety of reason that the house could not be sold such as it was owned by the town, that the property was foreclosed on and that the house belongs to a pool of homes that can't be sold. I got a call back from attorney XXXX XXXX XXXX who said he could do the closing. The sellers signed under penalty of perjury that they were selling me XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. The lot and block were changed before the sale. The sellers closed with power of attorney and the deed and the title insurance are no where near along with many other things that point to fraud. 

THE COUNTY RECORDS ALSO SHOW THAT THE MORTGAGE WAS NEVER FILED. I AM REQUESTING M & T Bank to be honest with me and forward me any records that they have of XXXX XXXX XXXX XXXX, N.J. 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 2020-11-18
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-18
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 fraud alerts or security freezes

Complaint:
I am unable to unfreeze my credit at Experian using the unlock PIN and the exact same information used to lock it a couple months ago. 

I have tried calling every number to look for a human to talk with the situation. 

It looks like I will lose out on a prequal and ability to put an offer on a house because they will only respond to physical mail in 2020. This is a bit absurd and damaging to what I would like to do with the credit I have built.

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 2020-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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 asked for what i am entitled to receive for debt verification. What i received from Portfolio Recover Associates, XXXX is laughable. They told me they didn't need to provide. I am requesting 1 ) An original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor no jut buying debts for pennies on the dollar to collect illegally ) 3 ) Proof that you are licensed to collect debts in the state of Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not jus pages of an account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.

Additionally, Portfolio Recovery Associates broke the law by reporting this on my credit bureau. I absolutely disputed this within my 30 day period. I have attached proof of all communication with PRA. I have consulted
a lawyer and plan to bring this to litigation if this isn't removed from my credit bureau. Portfolio Recovery Associates doesn't get to dictate what they send for Debt Validation. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, I submitted a dispute to Navy Federal due to a scam that occurred via XXXX. I never received the product that I paid for on XX/XX/2019 and informed Navy Federal that the vendor had blocked me and I had no way to contact the vendor. Im escalating this matter because I want my money back. The letter they sent me with the reason they were unable to process my claim is as follows : The amount debited by the merchant was agreed upon when the services were initiated. While we understand the recipient of the funds failed to fulfill an agreement, the funds transfer service was fully performed. Therefore, we have no recourse within the dispute resolution process to pursue this matter further. I never received the product. I never received tracking information as if the product was on the way just excuses. When I had asked the vendor whats the status of the shipment, I found out that the page no longer existed. Please escalate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I sent letters to CIT Bank regarding 2 account that are not mines and they are reporting under my information, I have spoke to them and did a claim for both accounts and provided them with a police report. They still have not removed it from my credit report as it is negatively reporting as chargeoff, it should not be there at all as those are not my account, there are collections agencies calling me everyday about this two account which I would like to have stopped.

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 2019-03-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-04-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian refuses to remove incorrect address from report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX APARTMENT COMPLEX

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 2020-12-07
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2020, Vanderbilt Mortage reported that my mortgage account had been paid in full ( XXXX ). In XXXX, I contacted this agency to find out what was going on because the closed account status had a negative effect n my credit score. I pulled all three credit reports and account paid in full and closed had been reported to all three. I contacted the agency about the section and was informed that I would receive a response in 5 days. I contacted the agency after 10 days and was told that I should have received something in the mail. I informed them that nothing was received. I was then told due to my ex-husband filing bankruptcy that they could not give me any information about my mortgage. My ex-husband and I have been divorced for 15 years and the court documents show that the home was given to me. I have been trying to communicate with Vanderbilt Mortage for about a year about this account. But they refuse to give me information due to his bankruptcy but they are expecting me to continue to make my monthly payments. They refuse to give payoff information or my online access has been suspended. Although my credit report shows that the account has been closed since XXXX, I still make my monthly XXXX. I have never been late or behind on my payments. I would like for them to respond to this matter so that I could get my credit score back to where it was before the remark.

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 2020-11-18
Company: Elevate Recoveries, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an Alert from XXXX that an new account was added to my report. Elevate Recovery, LLC. I have never heard of this company. I have never received a letter and when I called the number XXXX the representative was rude and said that there was no account in my name and then hung up. If this account is with XXXX XXXX or any other affiliate of XXXX XXXX, this is not my account. I have never received a bill or any other documentation from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: FORD MOTOR CREDIT CO.
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:
I obtained a lease from Ford Credit in XXXX of 2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XXXX I got a notification from XXXX that Ford Credit lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called Ford Credit on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to XXXX. This error was a Ford Credit error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.

Company response to consumer: Closed with explanation