BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-17
Company: AMERICAN EXPRESS COMPANY
State: CO
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 applied for a 0 % interest card with balance transfer offer with american express. I applied online and received immediate approval and the transfer offer. Once I transferred over 2000 dollars and went to make a payment I had interest charges. I called and they put in a dispute, the girl I talked to said I wouldn't be charged any interest while the matter was looked into. They decided since I already have one of their cards that I wasn't eligible and added all the finance charges back. Had I known this I would have borrowed the money and paid it off. I never would pay that amount in interest, I pay all my cards off every month. They only removed the highest interest charge but all the fees add up to almost 200.00.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: FL
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: Reporting company used your report improperly

Complaint:
since XX/XX/2022, until today XX/XX/2022 I have sent about 30 disputes to Equifax about the unauthorized Inquiries that in my credit report asking them to re-investigate them but I receive the results next day to find that nothing happened i don't know how they can finish investigation in less than 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I have been sending you disputes but you never respond to it, I was advised that failure to respond is a violation of FCRA law. i hope you resolve this soon so i wont have to take this to the next level and take legal action against you. Thank you so much!

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 2017-08-18
Company: COOLEY ENTERPRISES 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: Account status incorrect

Complaint:
I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX/XXXX/XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This individuals placed an abstract of judgement on my property illegally. I never dealt with any of the two companies nor my name is XXXX. My name is XXXX and I never had any contact or business with them. Thank you,

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 2022-08-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept XXXX for payment. I had used XXXX via Wells Fargo in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my XXXX account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be XXXX customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from XXXX, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a XXXX business account. 

I immediately contacted Wells Fargo to request an interception of this transaction ( case # XXXX ). I was told by the Wells Fargo agent that she could not intercept the payment, but that she would file a claim to request that XXXX investigate it. I also attempted to contact XXXX directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because Wells Fargo had held it because of my call, but was dismayed to see that it was processed three days later. 

On XX/XX/2022 I contacted Wells Fargo again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.

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 2022-08-26
Company: Navient Solutions, LLC.
State: SC
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 get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( XXXX ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification with ShellPoint mortgage. We were approved for trial payments. Three ( 3 ) trial payments. We sent the trial payments an we were sent the final loan modification agreement. We sent it back Shellpoint claimed they never received it. 
They sent us another agreement we sent it back but they would not not accept it unless we gave them 8 more trial payments that totaled on {$20000.00}. We were on trial payments with XXXX 5 different times and each time we paid the trial payments and nver received a loan modification. Now they are foreclosing on our home with a sale date of XX/XX/2017.

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 2017-04-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My employer received a letter from a law firm to let them know about a garnishment against my salary, I was surprised by the news because I have never received a call or notification to contact me. 
I really I am trying to find out what was this debt the law firm has not clarified to me that it Belongs, so I proceeded to look for information and try to contact someone in XXXX but The company is no longer valid or open for business and The person whom I talked in the law firm does not give me information I proceeded to check my credit report it does not show any type of debt in XX/XX/2009 for the amount they are trying to collect. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company that is servicing my mortgage is relentless with offers to refinance at shorter terms or for cashout. The ads are on paper, including details ( such as my address, part of my account number, my outstanding mortgage balance, link to a personalized web site ) that makes it imperative that I dispose of the document carefully. It 's a nuisance, and a possible vector for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts 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 2020-02-17
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my XXXX  credit report on XX/XX/XXXX to review the only credit card listed - American Express ( Amex ). 

Although Amex rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my Clear Card Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my Clear Card Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), Amex continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached XXXX  credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 ) Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, Amex is now reporting it as {$0.00}. 

Enough already ... the account was Closed by Amex on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$500.00}, {$400.00}, {$700.00}, {$200.00}, {$1500.00}, {$26000.00}, {$5400.00}. 
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 and 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 ).

-ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

6. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-AUTO ACCOUNT- 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$26000.00} -This is not my account. 

-STUDENT ACCOUNT- 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5400.00} -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 2017-05-26
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just saw this debt appear on my credit report today. The date opened is incorrect, I have not had any communication with this company. I am a  XXXX   year old a nd have been out of   XXXX   XXXX   for only two years. I 've never had a primary residence of my own in order to have applied for any type of credit with them or  XXXX   XXXX   XXXX . I need this item to be removed from my credit report for I am a young adult that is just now starting my adult life and do n't need any derogatory marks on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: SUNTRUST BANKS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This complain is against XXXX which is owned by SunTrust. I applied for an application with XXXX on XXXX XXXX, XXXX and was denied for no valid reason. I received an email stating I was denied for income and credit reasons but my XXXX XXXX is over XXXX with no derogatory items on my credit and my income is over {$220000.00} a year with less than 20 % debt to income ratio. Therefore, its impossible for me to be denied based off credit and income but when I called in to XXXX to try to get a clear explanatino for the denial no explanation was given to me. I was told I would receive a call back from a XXXX but no XXXX ever called me back. When I called again to let them know a XXXX never called me back they still refused to transfer me over to a XXXX. I just want a clear reason for why I was denied and I know I will never receive a reason a valid and just reason because XXXX wrongfully denied my loan and every time I try to get someone to look at my file they just brush me a side. I work in the lending industry myself so I 'm very familiar with lending guild lines and principles. I am hoping CFPB can get their attention the way I am unable to and demand a reasonable answer. Thank you for your time.

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 2017-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS EQUIFAX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EdFinancial Services
State: RI
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:
Yesterday I reached out to Edfinancial about receiving a refund for student loan payments made after XX/XX/2020, per the CARES act. They did work relatively efficiently to put the refund in process but quoted an extremely long timeframe for receiving the refund. They initially quoted 50-100 days, then within the same phone call quoted 60-120 days, and later quoted 150 days. This LONG time frame is an outlier among other loan service providers which I heard time frames of 30-60 days. They are also unable to provide confirmation of a refund being initiated even though the refund process has been in effect for quite some time. Its not a new system and not having a confirmation email sent about the refund being initiated is definitely another step away from transparency with the customer. 

Given Bidens new student loan forgiveness announcement made recently, we the students, would like to have a more open transparency about the refund process and when the loans are expected to hit our accounts so that we may attempt to qualify for the loan forgiveness, but as I mentioned, Edfinancial provided an outlier of an estimate among service providers. 150 days. I believe this to be the ultimate lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Receivables Management Partners, LLC
State: IN
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 been violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose. 

XXXX XXXX XXXX, XXXX XXXX {$1500.00} is the amount owed. 



XXXX, XXXX XXXX XXXX, XXXX {$1200.00} is the amount owed. 



XXXX XXXX, XXXX XXXX. XXXX, XXXX {$2900.00} is the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CIT Bank is denying access to my new online savings account. CIT Bank is heavily advertising its online savings accounts, especially on the internet. It is offering incentives for new accounts ( {$100.00}, if {$15000.00} or more deposited for three months ). I opened an online savings account on Saturday, XX/XX/XXXX and deposited {$100.00}. I received an e-mail on XX/XX/XXXX stating, " Your new CIT Bank account has been approved and is now activated. '' That same e-mail said, " To view your account online, click here. When prompted for your Online Banking ID and password, please use the same information that you created during the application process. '' However, when I click on the link, I end up in the endless of error messages, " Either your Username and/or Password do n't match our records or your account is locked. 

I sent an e-mail to CIT Bank that said, " I am trying to verify my account with the micro deposits placed in another bank account. Your computer system will not let me access my CIT account. '' I am dissatisfied with CIT Bank 's reply, " Thank you for contacting CIT Bank. For assistance with Online Banking information please call our Customer Contact Center at ( XXXX ) XXXX Mon-Fri XXXX ET, Sat XXXX ET and Sunday XXXX ET. We are here to help! Please let us know if we can be of further assistance. Thank you for choosing CIT Bank. '' I do not have time to phone CIT Bank during workdays. I am not home by XXXX XXXX. PT ( XXXX XXXX. ET ).

Company response to consumer: Closed with explanation