BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.

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 2020-12-05
Company: Experian Information Solutions Inc.
State: AZ
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:
I have incorrect address and name on 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 2018-10-01
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/2018, I applied online and was approved for an American Express XXXX XXXX. Within 15 minutes of being approved for the card, I realized I had made a mistake. I had a promotional mailer from American Express that had been sent to me offering me XXXX bonus points, as opposed to the standard XXXX bonus points that are normally offered with the card. I immediately called American Express and spoke to a representative who assured me that as soon as my account was provisioned, I would be able to submit a request to retroactively fix the problem. I asked the representative if I needed to close this account and reopen a new account in order to claim the bonus, and I was told that was not necessary. 

I proceeded for the next 2 months to call American Express multiple times to try to get the issue resolved, or escalated, to no avail. They claimed that they had no record of extending this offer to me, even though I have in my possession a physical copy of the mailer with the RSVP code ( XXXX ), for which I've attached a scan. I was promised during my final call with American Express that this issue would be escalated to corporate, but I was never contacted again. The value of the XXXX points I was denied is over {$700.00}, and for a card with a yearly fee that nears {$500.00}, this is unacceptable. 

I could understand the denial had I not called American Express immediately after I was approved, but I called and spoke to a representative within minutes when I realized I hadn't been credited for the full bonus offer I had extended. I was willing to rescind my application and apply again with the proper RSVP code, but was told I didn't need to do that and that it would be possible to have this matter fixed retroactively. Instead, I received the runaround for months while trying to pursue this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have multiple inquiries that i did not do or apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent XXXX.

My address section should only reflect the following addresses in my life.

XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. Transunion, XXXX and XXXX  have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Transunion, XXXX and XXXX have all my the fair credit reporting act. I want all items deleted.

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 2019-10-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX  sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served Wells Fargo and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX  without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with XXXX XXXX XXXX XXXX and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX issues a credit card in collaboration with XXXX that claims no interest on purchases of XXXX products. I have previously used the card successfully. Recently purchased an XXXX computer and paid balance on time in 3 installments. XXXX XXXX charged interest nonetheless. I objected but they insisted that original payment terms did not apply.

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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit report has an identity fraud on it yet my credit is still being pulled. I am currently stationed in XXXX and someone is trying to establish credit in my name fraudulently

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 2020-10-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently I have applied for a Chase Freedom XXXX card, despite my credit score being in the very good category they have denied me, They have listed my score at XXXX. My current credit card uses is about 35 % and My bankruptcy was more than 10 years ago. I have strong feeling that I'm being unfairly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I noticed my payment for my promotional purchases did not go through due to issues with their website : https : //d.comenity.net/wayfaircard I spoke with a customer service representative to see why my payments did not go in as scheduled for the promotion purchase that was expiring XX/XX/2019 that expired resulting in a finance charge of {$400.00}. I discussed that there was issues with the their online payment system but I did get a website confirmation that the payment was scheduled to be paid. The payment however did not complete so the promotion expired and I was charged the finance charge {$400.00}. I disputed the charge with the Comenity and their resolution was that I did not pay it off in time disregarding the efforts that I did attempt to pay it off before the expiration. 

There was a separate promotion purchase that was expiring XX/XX/XXXX. I noticed once again that the payment did not go through for this as well. I called the XXXX at approximately at XXXX on XX/XX/2019 to  resolve this issue as well. I was told that since I was in within their grace period of 3 days since it expired on the weekend that if I made the payment over the phone I would not be charged a finance fee of XXXX. However on XX/XX/2019 I was charged the finance fee. I spoke with another account manager and she stated that since the payment went through at approximately XXXX PST it would not post the next business day so I was responsible for the finance charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of XXXX, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by XXXX points in a month. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.

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 2023-01-10
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've asked them to stop bothering me, as well as requested a letter detailing the supposed debt and charges and they have done neither. They keep calling me from different numbers that all have the same receptionist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: JPMORGAN CHASE & CO.
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: Problem with balance transfer

Complaint:
Hello, I opened up a new account with Chase with a 15 month no interest promo and balance transfer option. I tried to transfer {$4000.00} on the new card and the workflow of their online system didn't work correctly so I could see it was executed. I called them up to verify and they had no record of the transfer. I had 2 open cc accounts and they failed to look at my other card for some reason. I received my credit card statement from the card I was making the transfer from today XX/XX/2019 and I had a {$3800.00} credit. 
I called Chase up and told them their online transfer system was not correctly working and they denied it. I told them that the their system auto defaulted to selecting the wrong card and didn't display any info regarding status or timelines. - it still doesn't reflect as of today. I paid off the card because I don't pay transfer fees. - This was my first one ever attempted. I closed both of my cards out with Chase today in principal for not waiving the fees. Please help me get my {$160.00} transfer fee back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Credit Karma, LLC
State: AZ
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 have a derogatory account showing from 2010 on my credit profile ... reference number XXXX on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, Nelnet. Before Nelnet, my servicer was XXXX XXXX for XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
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 paid off my loan with TD Auto Finance at the end of XX/XX/XXXX and I have yet to receive the title for my vehicle. I reached out back in XX/XX/XXXX and they said they sent my title to a car dealership and I would have to contact the car dealership and have them send back the title. I reached out to the car dealership and they had no records of my title. I again called TD auto finance and they said they would have to send me a waiver of XXXX lease. After several weeks I had received nothing. I followed up once again and they said I would have to obtain a letter from the car dealership they claim they had sent the title to stating they had no interest in the vehicle. Fast forward a few more weeks and it is now XX/XX/XXXX and I don't have a title or a lien release waiver. After several months, several phone calls, and conversations with the dealership, I don't know what else to do to get my title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: WELLS FARGO & COMPANY
State: HI
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:
Wells Fargo Dealer Services account number XXXX reporting 30 days late on my credit report from XX/XX/2018 through XX/XX/2018 On XX/XX/2018 A check submitted to Wells Fargo from XXXX XXXX to pay of entire loan balance owed on my vehicle. 
all three credit bureaus verified this disputed account as reporting correctly. 
letters sent to wells Fargo requesting assistance to correct went ignored. 
respectfully requesting resolution to remove this inaccurate payment history.

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 2023-01-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended a school in XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX! I got my XXXX in graphic design, upon which completing they garaunteed career placement for life. I even spoke to the counselor before applying for XXXX $ in student loans!! They again assured me that before graduation I would already be placed in the field in the internship and then with payment. My internship ended due to them having no business I graduated with the highest gpa at the school national honors society. The counselor prints out the XXXX wanted adds for the day circles 3 positions making {$8.00} per hour or less and having nothing to do with the field of study lawn mowing and fast food!!!! Now Im a XXXX XXXX still and this school closed down shortly after now I still cant afford to pay this loan and survive with my XXXX  Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account information incorrect

Complaint:
Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: DC
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 U.S.C 1681 section 602 A State that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also States consumer Reporting Agency can not furnish a account without my written instructions.

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 2023-05-16
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: Their investigation did not fix an error on your report

Complaint:
One of my real estate lenders reported me 120 days late for several months last year. The credit reporting agencies dropped my score XXXX to XXXX points. The reporting was deleted and or corrected and Experian did not adjust my credit score back upwards. I asked them why, and they would not answer or respond. They just blew me off.

Company response to consumer: Closed with explanation