BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
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 fraud alerts or security freezes

Complaint:
Today is XX/XX/2020. I am trying to get a credit freeze lifted. I was locked out of the TransUnion online system saying is could not verify my identity. I tried multiple telephone numbers found online. The number for TransUnion that was supposed to deal with identity verification answered with a voice response system and transferred me to nothing and hung up. I then went to a selection for lifting the credit freeze several times. I have been on hold for over two hours. This is ridiculous for a customer service organization. Very frustrating! I'm still holding hoping a live human being will eventually answer the phone.

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted TransUnion with correct account balances for my auto account they still put back the incorrect information after showing proof of the situation was not 100 % accurate?

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 2022-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: EQUIFAX, 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:
THE FOLLOWING ACCOUNTS ON MY CREDIT REPORTS ARE A RESULT OF IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH THE FTC AND THE POLICE IN XXXX FL. 


US BANKRUPTCY COURT XXXX/DEPT OF ED US DEPT OF ED DIRECT US DEPT OF ED DIRECT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and  the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2022-04-28
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: Other problem

Complaint:
Purchased XXXX airline tickets from Amex travel. Partially used points and charged the rest on XXXX card. Got confirmation and points were deducted and pending charge on account showed as transaction immediately. They never purchased the tickets and came back 5 days later and stated there was an error with my XXXX code. A representative later communicated this is not accurate because the charge went through and points deducted but they were not sure why the tickets were not booked. They notified me at XXXX at night and canceled them XXXX hours later. We called at XXXX XXXX when we woke up and opened the email that there was an issue. We were told that we had to rebook and tickets were {$12000.00} more in total than what we had paid and confirmed for. After 15 hours over 8 phone sessions and getting the run around, we were notified 14 days later that they would not honor the booking and blamed our XXXX code which is a lie as the charge could not have been made as pending if it was wrong according to their own rep. I asked them to record an official complaint on three different occasions and twice more on app but am doubtful that they did as I never received any help or response. I feel that they defrauded me and have been a customer for XXXX years without as much as a late payment. Something is wrong at this company and it has changed. I believe that the price of the tickets went up substantially after I purchased them and they found a way to back out by making up a fake reason and insisting that they emailed me XXXX things when only onewas sent which we responded to promptly after getting in the middle of the night. The first XXXX were apparently sent from XXXX teams which makes me think the issue was on their end as the third was a local based team. We triple checked all spam folder and had no issue getting the one sent in the middle of the night from the XXXX based team. Please prevent this from happened to someone else. They need to be held accountable. I will be discussing with our rep in congress who is very interested in these issues and letting them know that I have logged a complaint with CFPB. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
When I restarted school this semester, I submitted an in school deferment. I started receiving emails after the loan was 30 days late. I again submitted a deferment as instructed by their form. My loan is currently showing as over 60 days late as my deferment has not been processed still. I have a history of being unable to reach anyone at Navient because of excessive hold times when placing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: OR
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:
The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report.
The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.

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 2022-04-28
Company: Motolease, LLC
State: NV
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:
Motoleasee has reported invalid information to my credit report. I have contacted them that they reopened a close account last year in XXXX and reported more than 7 payments late. The Motoleasee account has been closed since XXXX because my motorcycle was repossessed. I have disputed it many times with XXXX XXXX  and finally they closed the account XX/XX/XXXX and the very next day they opened the account again. That the account is verified as open. This is inaccurate and have contacted Motoleasee as they told me they wont close the account now until I make a payment arrangement with them and that they will delete all those late payments inaccurately reported to my XXXX report only if I start making payments. Motoleasee has been closed on my account for 6 years and should be no reason why that account was reopened. It still shows as closed on my other credit reports. Not only that.. when I spoke to them my balance is not correct either showing I owe more than what I was told. I dont think its right that they reopened a close account and they should not be able to report late payments to anything when I never agreed to anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: CA
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:
Dispute is now at 55 days and still open. 
Confirmation number : XXXX See photo taken today XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I fully expected to receive a heavily advertised {$250.00} sign-up bonus from American Express when I signed up for their blue cash preferred credit card. I never received it. American Express has explained that because I canceled other credit cards that I was not entitled to the bonus, and importantly, that this was communicated to me through a pop-up window. I do not recall ever seeing this pop-up window. And as we are all aware, pop-up windows are often advertisements so I may or may not have clicked that window closed without knowing what it said. The application page itself did not clearly state anywhere that I would forfeit the sign-up bonus, hence my expectation in signing up for their card, and in being charged {$95.00} upon receiving the card, was that I would receive that bonus. Please investigate American Express for ambiguous promotions for their products. At worst, this has/is happening to many other people, as American Express seems to have non-transparent points calculation and sign-up bonus practices that lead me to question their ethics. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: OH
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:
Equifax has inquiries that are on my credit report that I did not authorize. I sent Equifax a certified letter but I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters to XXXX, XXXX and Experian in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information.

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 2017-07-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX Comenity Bank XXXX charges excessive fees on customers accounts. I feel as if they are predatory lenders  with high interest rates and excessive fees and they should be investigate promptly. I recently opened an XXXX account and I limit my use on this account. I only charge under 100 dollars. I had balance of XXXX for my XXXX bill. I made a payment of XXXX leaving a balance at XXXX. This is where the issue began. I made a payment of XXXX on XXXX/XXXX/XXXX leaving a balance of XXXX cents. XXXX/Commenity Bank charged me a fee of XXXX for XXXX cents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was an additional payment made for XXXX before the bill was due. I did not look at my bill at the time but the XXXX payment should have left a balance in my favor of XXXX but I was still charged fees on the account. <P/>The excessive fees based on their new addendums added to almost every statement and their predatory interest rates this company should be investigated. The last credit score I pulled was at a XXXX. A XXXX is considered good credit, but comenity bankXXXX interest rate is at 25.47 percent. That is predatory lending no matter if a person accepts it or not. <P/>A bank who targets teens should not be allowed to legally give children an interest rate over 25 percent. I will be closing my account as I only opened it in XXXX of this year for a promotional discount they were running but imagine all of the people they are doing this too on a daily basis. I have done business with them in the past and it is the same trickery in their billing. If you owe XXXX cents after paying XXXX why are they allowed to charge you 93 % FEE on your account for XXXX cents. It does not matter the timing or the rules for not paying the full balance. Even the minimum balance due is always a percentage of the total amount not the total amount due. They charge excessive fees, excessive interest rates and are predatory lenders. <P/>They are scammers and someone should investigate them. I will no longer do business with XXXX. No one should do business with this company at all. Any credit cards associated with Comenity Bank should be avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had a loan with XXXX XXXX - Navient since XX/XX/XXXX. There were times in there was in a low paying job I was never offered income based repayment they just kept stacking up charges on me. 

I looked on XX/XX/XXXX I have already paid over half the principal on one of the accouts, but still owe more than half of the principle on that account do n't understand why still owe more than half when I have already paid more than half. I have had this account for over 13 years now and was told to get forgiveness. I would have to take out another loan and stay over again and pay for 10 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Collections Acquisition Company, 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: Old information reappears or never goes away

Complaint:
I contacted XXXX from XXXX/Cybercollect back in XX/XX/2017 - At the time she was the manager of the dispute department. I was advised to send in copies of my bank statement at the time confirming debts were paid. 

I then followed up with XXXX after the fax was sent to ensure they were received. I was advised that the incorrect information would be rectified during the next cycle of reporting, or within 30 days. 

To date, these accounts are still showing up on my credit report every month. - Even worse, the debt collector changes the dates ( makes them appear more recent ) to allow them to continue to report them. 

When I asked the collector at XXXX/Cyber collect why the dates appear newer than what they are, she advised me that this is a practice that " allows them to continue reporting the debt '' - This is not FAIR, ACCURATE and frankly AGAINST the law. 

I am requesting that these damaging items be removed from all three credit reporting agencies. 

Respectfully, 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company 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 2020-02-23
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Flagstar Bank on XX/XX/XXXX from XXXX XXXX XXXX. Flagstar increased my payment from {$3300.00} to {$3400.00} and/or approximately {$95.00} increase for insurance which is incorrect because it is covered through PMI via XXXX. I also requested my 1099 mortgage interest statement for FY 2019 and I have yet to receive it. I am requesting that they restore my mortgage payment to {$3300.00} and credit my account approximately {$180.00} or send me a check.

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 2019-07-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/XXXX I used be cell phone to deposit my XXXX XXXX XXXX employee check. Since i recently switch accounts, the XXXX XXXX XXXX issued me a paper check. I put it into my account early. Wells Fargo put an 11 day hold on it without legitimate explaination but there is suspicion activity on my account. They will not release my hold and i have absolutely no money. I get paid twice a month and I'm a single mom of XXXX kids. I can't afford for them to hold my check. They did not warn me that since my account was new, they would hold my check. I need a way to get my funds released 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 2022-04-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company 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