BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-13
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Im currently XXXX  now. I have been using my card as a means to get by. For my day to day expenses. I live in XXXX everything is expensive. Most of the time my money is done in a instant. Because I don't have a steady place to lay my head, I buy a lot of food from fast food stores. I go to pantries a lot but I cant grab like meat and stuff like that. I have no where to store it. I need help please. I have amounted {$6000.00} in credit card debt. I have sent several letters to my credit card company. I have not gotten a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2018-06-15
Company: East Coast Funding Group
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Early in XX/XX/2018, I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE IT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently requested my credit report from the following credit reporting bureaus ( Equifax, XXXX, XXXX ). My first request was made on XX/XX/2021, I didn't receive a response from any of the following bureaus after the 30 Day waiting period. I included all my personal identificaton forms which they can use to be helpful to verify my identity. After the 30 day waiting period, I then requested for my credit report again through certified mail. I sent out the documents for request on XX/XX/2021, as of today XX/XX/2021 I have only received a report from Equifax still waiting on my other two reports from XXXX, & XXXX. I've been monitoring my report through XXXX XXXX & I noticed accounts in collections which I didn't recognize. Which made me very frustrated, so I decided to sent them a letter of validation the same time I sent the Credit Bureaus Report Request. After a 30 day wait period I still didn't hear a word from neither of them. I then decided to send the bureaus a letter of dispute to dispute those errors from my account, since the creditors have failed to validate those accounts after my validation letter within the 30 day window I requested them to comply with. And then I only receive that one letter from Equifax with a full summary of my credit report and verifying those accounts I disputed. Which in all sense frustrates me because I know they didn't do a thorough investigation, since the creditors never responded to my request. And I have all this traced through certified mail, I still have all of my receipts for the record. Can I potentially file a claim against both bureaus and creditor for this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BROKER SOLUTIONS, INC.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  XXXX   XXXX   XXXX , I went online to find a Finance company  and chose New American Funding,  I paid the {$650.00} appraisal fee and was than told " they could not find a n appraiser that would drive out this far. '' I told them that was odd since I was only 28 miles from the largest city in the state and sit in the middle of three major towns. Then they told me that the apprais al fee had gone up to {$1000.00}, I protested this, changing the price after the deal was done and paid for already, so they said the extra would be added into the loan. At this point I said OK lets just get it done. On  XXXX   XXXX ,  XXXX  they finally did the appraisal, Then at the end of  XXXX  I was informed  that the appraiser was not certified to do the type of appraisal they needed and that a new appraiser had to go over it and sign off. Unfortunately no appraiser wou ld sign off so a new appraisal was done, that was done on  XXXX   XXXX ,  XXXX  if memory serves me correctly. After that I kept calling and was told that it was sent in for approval and it would be any time now. Since then it has been and endless string of phone calls and emails with nothing happening. The first loan officer  XXXX   XXXX  turned my loan over to  XXXX   XXXX  after I first mentioned I was considering contacting you people, he than told me they needed more information from me, even though  XXXX   XXXX  had assured me that I had done everything needed and it was only a " paperwork hold up '' but any way had had the papers emailed to them with in a few hours of the request. That was  XXXX   XXXX ,  XXXX . On the  XXXX  I informed them I would be on vacation from the  XXXX  of  XXXX  to the  XXXX  of  XXXX  but that I would have my phone and laptop with me so I could be reached at any time.  XXXX   XXXX  called me on the  XXXX  of  XXXX  and said he expected to hear some thing any time now The file was sent to an underwriter for final review on the  XXXX  of  XXXX . And here it is  XXXX   XXXX  and I have had no word of any kind. I have repeatedly told them how frustrating their lack of communication is and I do n't know how to proceed. Any help would be Appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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:
In application page for American Express XXXX XXXX, it says ''Welcome offer not available to applicants who have or have had this Card or the Premier Rewards Gold Card. We may also consider the number of American Express XXXX you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' When I apply for this card, I had never applied for Amex XXXX or PXXXX XXXX XXXX XXXX  before. 
However, today when I called, I was told because I had applied for Amex XXXX, I am not able to receive Amex XXXX welcome bonus. This is totally false promotion. 

Another issue is with my Amex XXXX  When I apply it, I was told I received the offer of XXXX points and XXXX points in Grocery and Gas Station. Amex only gave me XXXX points but not XXXX points in Grocery and Gad Station purchase. I was told today it is because it is just their manager 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: DISCOVER BANK
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to your agency in hopes you can help me with some charges on my  Discover car d previously disputed with you guys. I would like to know the status of the disputes. I am Amish and I do not owe a computer and I am not computer literate.  Communication is kind of diffic ult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for services and they did disappeared after and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disput ed with Discover were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please. I did some complaints previously, the companies were :   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I might of forgot some names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: CT
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:
Okay so i disputed a  Repo  account with  XXXX ,  XXXX , and Equifax. They responded back saying that they verify that it was my account. So I called each credit bureau and asked them how they verified that it was my account. All  XXXX  of them said they called  XXXX  to verify. So I took it upon myself to give  XXXX  a called and spoke with a rep ( I do know her name and the department she works and if I 'm not mistaken she recorded the call ). She stated that no company call asking anything about my name ever. I would like them to delete the account off my report because it 's false information and hurting my credit in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: PLAZA HOME MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is in regards to Loan #  XXXX  with  Plaza Home Mortgage Inc .   On  XXXX   XXXX   XXXX ,  XXXX , the home owner completed and submitted a loan modification packet with the assistance of a housing  counselor to Plaza Home  Mortgage. On  XXXX   XXXX , the home owner informed the housing  counselor that Plaza  Mortgage was requesting updated information, and the home owner and housing cousnelor submitted the requested information/documents On  XXXX   XXXX ,  XXXX . On  XXXX   XXXX , writer spoke with a representative from  Plaza Home Mortgae , and the represntative stated the homeowner will need to resubmit the entire packet with updated documents  (  bank statements, pay stubs, etc ) as well as have updated signed documents. On  XXXX   XXXX ,  XXXX , the documents requested by  Plaza Home Mortgage were emailed to the loss mitigation Dept. of Plaza Home  Mortgage. On  XXXX   XXXX ,  XXXX , housing counselor spoke with a representative from  Plaza  Mortgage. The representative provided the housing  counselor with a list of items needed for the loan modification. Housing counselor noted that some items identified by the representative have already been submitted to Plaza Home  Mortgage. The representative stated that the forms needed to be signed and re-dated. On  XXXX   XXXX ,  XXXX  the documents requested were emailed to P { laza  Home Mo rtgage. On  XXXX   XXXX ,  XXXX ,  Plaza  Mortgage was requesting yet again more documents/information from the home owner. This was submitted via email by the housing counmselor on  XXXX   XXXX ,  XXXX . Finally, On  XXXX   XXXX ,  XXXX , housing  counselor spoke with a representative from Plaza Home  Mortgage and the representative stated the application is missing documents. Writer asked the representative to identify the documents needed. Housing counselor noted that the documets had been submitted via email over the months of  XXXX   XXXX  and  XXXX   XXXX , and the documents were submitted by the housing counselor on the home owner 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
XX/XX/2021 submitted complaint with cfpb XX/XX/2021 tsi responded they would put the account in dispute status my complaint NEVER stated i wanted to dispute, my complaint stated to REMOVE THE DISPUTE COMMENTS from what you are reporting. The company 's response was they were putting the account in dispute, this is not what I requested. Please remove " account in dispute '' comments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2021-02-19
Company: DISCOVER BANK
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
personal loan interest too high In XX/XX/2019 they sent me a loan offer from the Discover bank company, which I called to ask for information and I saw that it was reliable, I have a year and seven months paying and the loan does not go down. I wrote asking for an evaluation of the loan since I have a good payment history since we are going through a difficult situation and they only replied that they could not lower my rate. 

I would like to review the contract since I do not have a copy of it, to see the clauses of it. because they have not wanted to help me with this situation. 

Discover Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Sterling Infosystems Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX, XX/XX/2019 at XXXX XXXX  I received an e-mail from STERLING TALENT SOLUTIONS informing me they were a Consumer Reporting Agency, and they were reporting public record information to XXXX. 
At the top of the e-mail in bold it said : BACKGROUND SCREENING NOTICE. 

XXXX. XX/XX/2019 at XXXX XXXX  I receive an e-mail from XXXX writing in reference to the recently reviewed background check report provided by STERLING INFO SYSTEMS INC. XXXX gave me a link where I could review/verify the report. 
XXXX after reviewing the report decided to temporarily suspend my account and contact me to confirm the information on the report. XXXX asked me to review the report closely and if after reviewing the report, if I would like to clarify any information to contact Sterling Info Systems Inc. 
XXXX continued on by stating that the e-mail constitutes a pre-adverse action notice and a copy of my Rights under the Fair Credit Reporting Act could be found at a link they provided. In addition, WA State laws were made available at a link they provided as well. 
This ended the e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been contacting Account Control Technologies and have been on and off the phone with them for two hours trying to get my itemized statement over the phone. For one thing, they never sent a written statement that the debt sent to their agency, which is my right. The  XXXX   XXXX  office says they do not have access to it and can only mail it within  7-10 bu siness days. I have asked for how the collection fees are broken down and  XXXX   XXXX  has refused to give it to me. I have been directed to corporate offices in Ohio and California and three times have been transferred back to their office. They refuse to give me information on my account. I have asked for a written document detailing that if I have my debt paid in full before  XXXX / XXXX /  XXXX  , that it will not be reported to my credit. They have outright refused to put anything in writing outside of the itemized statement. They told me that over the phone and do have recordings of that conversation, but I wanted it in writing because I know how shady and deceptive those places are. I have been put on hold for extended periods of time until I finally hung up and called back. My call has been outright ignored  three  times when I began requesting that it be elevated outside of their office.  XXXX   XXXX  has said that they are the only office that will deal with my account and speak to me about it, but they do not have  access to my itemized account information. In the period of two  days, I have been told that they can add fees to my account while it is in their office ( by  XXXX   ) , which he was corrected and told that my college still owns the account and they have no authority to add anything, but the " fees '' and they are the ones who set the date to report to my credit ( by  XXXX  ), but then when my call was elevated to  XXXX  and then  XXXX , they would not tell me what those fees were. They said they can add up to 18.25 %, but did not have the percentage and said that was n't the only fee that would be on there. I just need my financial information and I am trying to protect myself. I have called the university and ACT is contracted through them, so they handle all accrued fees from when it is handled by them. I just need to be informed that I am paying the correct amount!!!! I need this information quickly before  XXXX   XXXX  or it will completely screw up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: CNG HOLDINGS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, XXXX XXXX XXXX is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since 2016 that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX  but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX  is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 wrote Transunion about an error on my credit report causing an alarming increase in a rate quote for a mortgage I need.   Transunion wrote me and said they could not verify my identification, so I called them and cleared that up. They said they would look into my issue and let me know what they find.   My loan officer pulled my report yesterday and it is still there, Transunion has done nothing.   Note ; the other credit bureau wrote me and agreed with me, they deleted it.

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