BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
After receiving an email directly to my personal email account inviting me to apply for a Delta Amex Gold Card in exchange for XXXX points if {$1000.00} was spent in the first three months, I read through the terms and found no indication that I would be ineligible for the XXXX signing bonus. Even though I have years ago owned a Delta Gold Card, I found no indication that I would be ineligible for these points. With an upcoming trip to XXXX in XXXX 2016, I signed up for the card and made haste in spending {$1000.00}. Spending {$1000.00} in a month is not usual practice for me. Additionally, in spending that {$1000.00} on my Delta Gold card, I neglected to spend any funds on my Amex Gold card ( I am a loyal Amex member and therefore have more than one Amex card ), thereby forfeiting any potential membership rewards points that could have been earned in the same period in which I was spending {$1000.00} on my Delta card. 

After spending the {$1000.00}, I called Amex to find out why the XXXX points had not been transferred to my account, as I needed to book my travel to XXXX. It was not until this point that I was very rudely informed, by several Amex employees, that I was ineligible for these points, making my travel plans impossible. Furthermore, as I have struggled to be able to book this trip, despite the odds stacked against me, my generous family members have offered to help by putting points in my account, which I am also informed is impossible. 

I am asking today for the XXXX points offered to me in the marketing offer I received when I applied for the Delta Gold Amex. I am simply trying to get what I was promised. 

I am disappointed by these fraudulent, misleading, and exploitive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 and XX/XX/21 I send debt validation letters to Penn Credit Corporation and XXXX to validate the debt of {$200.00} they are saying that I owe. As of today no bills or any other documentation has been to sent to me as a form of validation. The claims were supposedly investigated. I asked for proof and nine has been sent. I has not received any Medical service from the original company they are saying that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im still getting phone calls from this agency and I have spoken to multiple people and they continuously tell me that they are moving me and it is not happening. Its to the point where it is interrupting me during my job. I understand if I got removed and then someone accidentally called me immediately after but at the same time this is been going on for a while now and I genuinely can not understand why this is still happening despite me telling people to remove me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXXXXXX {$330.00} XXXX and XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other bureaus

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 
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 reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a home loan and my realtor told me that my credit was not up to par. After carefully reviewing my credit report I have realized that I have been a victim of identity theft. I honestly do not know what to do about it because I am not too familiar with credit. I am not sure how my information was obtained but this is really frustrating for me because I do not know what direction to turn. My loan officer told me to try and file a dispute with the credit bureaus which I have also done along with this. Please help me.

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 2017-01-01
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Sale of account

Complaint:
My wife and I have been XXXX and XXXX XXXX account members for a long time. We were notified last year that XXXX XXXX was no longer going to be XXXX 's credit card company and that we would be issued new accounts. We contacted and closed the account with XXXX XXXX. Apparently at some point Citibank created a credit card account without our permission, XXXX charged that account for a membership fee ( {$50.00} ) and in 3 months Citibank assessed {$70.00} in late fees on the account. Now after an attempt to reason with the Citibank they have sent a letter by someone named XXXX XXXX in their Security Department stating because the account was " transfered '' from XXXX XXXX not " created '' by Citibank we are responsible for it. XXXX XXXX states in the email this issue is closed, Citibank will no longer to respond to the complaint, and Citibank will continue sending statements until it is paid in full. XXXX XXXX does not provide contact information to reach out to him, and never have I been allowed to speak to anyone higher level than a customer service representative. I would like to know if Citibank is doing what XXXX XXXX has been doing and if there are others that are being extorted.

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 2020-04-15
Company: LoanCare, LLC
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 status incorrect

Complaint:
I have been in regular contact with my previous mortgage company about their reporting of my account on my credit report. They have agreed to remove late payment and account entirely from my credit report and have not done so. The account is paid in full and they have not yet removed nor will they submit to me a statement of removal, even after disputes through credit agencies.

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 2015-03-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told " we do n't have control over the Postal Service ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX    -   XXXX   XXXX   XXXX   XXXX   -   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted this company and their affiliates multiple times via Priority US Mail delivery with confirmation to dispute the debt and to inform them to cease and desist contact with me. They persist. They do not care or fear the rules of the FCRA. 

First contact date ( this year ) - XX/XX/2022 ; Dispute mailed via USPS Priority mail Second contact date - XX/XX/2022 from affiliate ; Dispute mailed via USPS Priority mail Third contact date - XX/XX/2022 ; Dispute mailed via USPS Priority mail Fourth contact date XX/XX/2022 ; Complaint filed with CFPB This company has contacted me in prior years at other addresses as well, which I have a record of. I responded and disputed their claims then as well. 

The company will send me a collection letter, I'll dispute it, provide my Federal Identity Theft Report, denial of ownership of debit, other information, and/or cease and desist response ; then they will respond with an unrequested " validation of debt '' and persist to contact me. Rotating the account from affiliate to affiliate.

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 2022-05-13
Company: MoneyLion Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I applied for an installment loan of {$500.00} with Moneylion. Per Moneylions website and policy, only 1 loan can be given at a time. Once that loan has been paid off, the consumer can then apply and receive another. I paid that loan off XX/XX/XXXX as it shows last payment received and applied for a second one. I paid that loan off and took out another one XXXX XXXX. Mind you both loans were on auto pay. The second loan was being taken out of my account every month then about end of XXXX, they stopped taking it out and then charged it off. At the time the balance left was XXXX yet on the credit report shows " account charged off. {$420.00} written off, {$300.00} past due. How can you write off more then the past due. They are a fraudulent predatory company with incorrect reporting 's. How can I have two active loans out at the time in XXXX if both their website and customer service have stated only 1 active loan can be open at a time. 

I have tried to dispute this with both XXXX and the XXXX bureau 's with no help. When I pull my reports, they aren't even reporting anything correctly on both XXXX and XXXX. XXXX shows no payments made on loan 1 yet the balance is lower then the initial {$500.00}. On XXXX, its showing the XXXX  months I made payments on the loan then went to XXXX, 60 days late. When I disputed the incorrect reporting, they tried to adjust the balance to {$30.00} in XXXX of XXXX, XX/XX/XXXX it was put on {$460.00}, then in XX/XX/XXXX went back to {$30.00} and then back to {$460.00}. They have been falsely reporting it since XXXX and has affected my credit. 

The second loan is showing last payment made XX/XX/XXXX but when you look at the report, no payments were made so clearly nothing matches up with any of the reports and details as they are trying to do this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
macys/dsnb according to XXXX is still reporting 60 and 90 day late pays i have a letter from macys stating it was all taken care of but XXXX is blaiming macys/dsnb will enclose copys for you want the 60 and 90 day late payments off of 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 2022-07-21
Company: Zachter PLLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My small business account in Florida with XXXX XXXX was wrongfully levied on XX/XX/XXXX in the amount of {$9500.00} by Zachter PLLC, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX NJ XXXX XXXX, XXXX, XXXX, www.zachterlaw.com My Business bank account number appears on Marshal 's Docket # XXXX / Court Index # XXXX. I am not named, not associated or have any business dealings with this case and I was never served any notice in regards to my bank account named in this case. My wife and I have tried to reach the attorney 4 times via phone calls and emails as pursuant to the XXXX Marshal 's Office to resolve this matter immediately to no avail. 
This has created a great deal of hardships for our small business and to our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: TN
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:
This XXXX XXXX XXXX account XXXX is paid-in-full. It is closed. However, Experian CRA continues to incorrectly report the account as " Open ''.

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 2017-09-21
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had an issue with my Student loan in 2016 due to cause of my mother become very ill. I made a simple mistake of not having my loan in deferment but when I got wind of it. I addressed the problem as soon as possible. Its currently in good standing right now, but the issue is the late payments that have been added to my credit report. I wrote a letter to Great Lakes which they did n't have an issue but I was told somebody on their board declined my request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During closing, the loan officer ( XXXX XXXX ) indicated that {$27.00} per month be held in escrow over the course of the yea to pay my taxes. At the end of the year, the account had a significant shortage because my taxes were roughly {$3000.00}. She based her estimation of taxes on the 2019 taxes. However, {$27.00} per month would not have been enough to cover that {$1900.00} amount either. Now, Loan Depot ( my mortgage company ) is demanding that I cover the shortage over the course of 12 months. Effectively doubling my mortgage. Ive reached out to them and asked them to extend the repayment. Since the was a mistake made by their representative ... ... ... .It has been 3 months of me paying double my mortgage and they continue to push the deadline for resolution further & further. 

To add insult to injury, Ive forced to find creative ways to pay this doubled mortgage while on maternity leave. It has caused significant strain & anxiety as a new mom. Their complete disregard for the lives affect by their mistakes is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I disputed an inquiry on my credit report ( XXXX  ) with Capital One Auto Finance for an inquiry dated XX/XX/2020 but they have failed to respond. So I was able to uncover what company ( XXXX  ) the inquiry originated from with Capital One Auto Finance and obtained a document that request the removal of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MI
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue consuming my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After completing my course and paying on my loan for 13 years they refused to release my cosigner. The school I attended at the time has gone out of business so I was unable to get a copy of my completion certificate. I lost my original and tried to get another only to discover the school had gone out of business. I have been paying on this loan for 13 yrs, what difference does if make if I completed the course? Whether I completed it or not, I am still obligated to repay the loan. Not having a certificate saying I completed the course does not justify not releasing a cosigner after 13 yrs of payments. I just found out one of the Navient law suits is about cosigner releases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter to Capio Partners on XX/XX/XXXX requesting debt validation for medical bill for {$320.00} They sent me a letter stating they needed more time and sent documents on XX/XX/XXXX of a bill that was already paid by XXXX XXXX XX/XX/XXXX. I reached out verbally to XXXX XXXX collection department and was advised the debt is still owed. I emailed documents from XXXX XXXX  of the OVERPAYMENT made {$430.00} to the hospital to XXXX XXXX at XXXX XXXX XX/XX/XXXX and she states this balance is still owed. XXXX XXXX provided me with information that the debt was paid. I and wanting to file a complaint regarding collection of debt that was paid in XXXX.

Company response to consumer: Closed with non-monetary relief