BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I returned merchandise to a merchant in the amount of {$58.00}. The merchant processed the refund to be sent to my American Express Bluebird card, however, Bluebird removed the refund from my available balance by debiting my card for {$58.00} and it's description reads that the transaction is being held for merchant review. Everytime I have a return transaction, Bluebird chooses to prevent my access to the returned funds. It happens all the time. Bluebird always blames the merchant for the hold rather than taking responsibility for their own actions on my account. Other financial instruments from other companies I've used have never taken away and held my refund using the same exact merchants. This us an ongoing problem. They are currently holding funds from me that they have received from a merchant for no valid reason and I demand access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Sentry Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an letter than I had to pay {$1700.00} by XX/XX/2020 and if not my Drivers license would be suspended, reason being XXXX Forwarded my account to Sentry Credit collections.. I have a receipt from Sentry credit collections that shows That I did take care of that debt, listing receipt of payment in full, with XXXX balance owed, From Sentry Credit collections on XX/XX/2020 payment in full had been made and no debt was owed as of that date ( XX/XX/2020 ) .. Sentry Credit collections Subsequently failed to notify XXXX county courts and my license was suspended improperly.. I fulfilled my end of agreement by paying in full and Sentry Credit collections failed to uphold their end of the agreement, and in fact as of now has still failed to report no debt owed. Failure to report No debt is owed, has now caused myself big problems. This failure to report no debt is owed Now Has caused my drivers license to be suspended without reason, subsequently I now received a XXXX XXXX XXXX when in fact my license should have never been suspended due to no debt is owed ... I feel that Sentry Credit collections has caused myself damages and I believe their business practices are unethical and illegal. Sentry Credit collections has not been honest in regards to reporting that there is no debt owed and Sentry Credit collections has lied to me on three occasions reporting  to me that they have notified XXXX County Courts that the debt was paid in full before the date of suspension, when in fact as of today Sentry Credit collections have not. I should have never had my license suspended and because of Sentry credit collections negligence and improper procedures they are solely responsible for damages I am now experiencing.. I am asking that Sentry Credit collections notify XXXX County court of their mistake immediately and report no debt is owed and I should never have had my license processed for suspension, that they failed to report no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am in the process of refinancing my mortgage and need all three credit reports. I had frozen all three of my credit reports and had no trouble unfreezing them except for Experian. Not sure what the problem is, but every time I try to unfreeze my account, I get the response " unable to process as our records show you have already requested that your freeze be temporarily removed. '' This started on XX/XX/22 and that has been the response I have been getting all week. Except that the account has not been unfrozen and my mortgage company has not been able to access my credit report. 

I have called all the numbers I could find for Experian, but none of them put you in touch with a live human being who can help with this problem. In fact, the numbers run you through several phone trees and then hang up on you. Also there is nowhere on their website where you can contact them and ask for assistance. 

I pushed so many buttons on the phone, I ended putting a fraud alert on my account which I did not want to do. But I could not find a way to remove the fraud alert either. 

This is not just a problem for me, but a systematic problem for consumers. I hope your agency will look into this and help me reach someone at Experian or have someone contact me. I am praying that my refinance efforts do not fall through. Thank you. 
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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
What happened? 
RE : Social Security Number : XXXX-XXXX-XXXX  / To Whom It May Concern, In XX/XX/2018 I disputed an account reported by XXXX/XXXX  Account # XXXX in the file maintained by TransUnion LLC under my Social Security number. I was informed in or around XX/XX/2018 that the item was deleted from my credit report after I disputed it. Now I have discovered that the item has been reinserted on my credit report by C/O XXXX XXXX XXXX XXXX   XXXX XXXX Also showing as XXXX XXXX XXXX ( on my XXXX  Report ) under account # XXXX referencing XXXX XXXX. I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. XXXX  deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ). Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. XXXX XXXX XXXX-XXXX-XXXX  XXXX  XXXX XXXX XXXX, XXXX MA 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 explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: IA
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  is reporting a charged off account that they sold to a Collections Agency still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item several since XXXX 2021 stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly! I have also sent 609 letters to both Equifax and XXXX asking for signed documents or original contracts with my signature on them for the account they are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 2022-05-02
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XXXX XXXX XXXX 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 explanation
Consumer complaint received 2017-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XXXX responded to my previously complaint # XXXX. I was desatisfied with their response. To say they are sorry for my negative experience that date is meaningless. That date I felt betrayed, disrespected, offended. And even worse when I check my credit and noticed that I have a negative report from Toyota. The company that that did not bother to inform one of their client that I have a balance, but yes you informed the credit burea and transfer my account to collection, your partner to be treated without respect to say the least. And you are expect me to contact the same people to make a payment plan? Shame on you. Do you have any idea the cost I paid that date? Have to leave my job because I was highly upset, I work with XXXX XXXX XXXX XXXX XXXX so I have to XXXX XXXX XXXX. I had to take a cab to go home, I could n't sleep that night so, I was unable to work the next day. So I did n't get pay for the time I did n't work, of course. All these events were unnecessary if you would have the time to call me, email me or send a Simple letter. I had made all my payments on time When I was your client, I should n't be treated the way I was, and punished with my credit. Do n't take this lightly I was a very good client of yours. Be truthful I did n't receive any call or you leave a message in my voicemail.. I think I should be the one compensated, for the damages in my credit, for the time I was no able to work, and specially for the XXXX XXXX I went thru.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2021 I sent documents disputing multiple fraudulent inquiries associated with my credit report. Ive sent dispute letters to the TRANSUNION bureau. Below are the inquiries and dates they took place. I would like these removed from my credit as soon as possible. XXXX  XXXX  /AUTO XXXX XXXX XXXXCredit union XXXX XXXX/Finance  XXXX XXXX  XXXX/AUTO XXXX XXXX  XXXX  XXXX/Bank XXXX XXXX  XXXX/Bank  XXXX XXXX  XXXX  XXXX/Bank  XXXX XXXX XXXX XXXX/Finance  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/Bank 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 explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I have Inquires on my credit report that i did not authorize and XXXX and equifax refuse to respond or adhere to the laws mandated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: MD
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:
on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XX/XX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XX/XX/XXXX to XX/XX/XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are unauthorized inquiries on my consumer that I've tried to get resolved with the credit reporting agencies but they refused to remove them

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 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Was offered points for charging {$2000.00} on the card in 3 months Started using the card as soon as I received in the mail which was XX/XX/XXXX annual charge for use of card was charged XX/XX/XXXX assumed had until XX/XX/XXXX to charge because this was not clear But while using the card out of town I attempted to use the card and got a not authorized notice so assumed I had reached my balance of {$2000.00} and met the requirements Unfortunately when I returned from my trip I had a XXXX  in the family then XXXXXXXX XXXX  I then just contacted them looking for my points and were told above When contacted them were told no it started XX/XX/XXXX? and sorry It would be extremely difficult to charge on a card when I dont have it in my possession

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Dovenmuehle Mortgage, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After several conflicting statements, Dovenmuehle has indicated that they have cancelled private mortgage insurance on my mortgage as it has met an 80 % XXXX. Since this point in time they have run multiple incorrect escrow analysis statements including but not limited to : Incorrect disbursement date and incorrect amount for property insurance Elimination of escrow for property insurance ( this was never requested by me ) Continued billing for XXXX  despite written acknowledgement that XXXX  has been cancelled I have contacted Dovenmuehle on multiple occasions via telephone and email to discuss all of the above. They have not responded and the escrow analysis continues to be incorrect. I am required to pay whatever amount they bill me despite it being incorrect otherwise they will report the loan delinquent to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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:
The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following hard inquires on my account that are not authorized. 
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 explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit reports show CHP XXXX as a XXXX XXXX. All of my debt before XXXX XXXX have been XXXX. Credit report should be reporting a CHP 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 2021-07-15
Company: Avant Holding Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since I saw this complaint from XXXX/XXXX  I started sending communications to them soliciting the removal of the adverse information. I request them to provide with original documentation or details about the amount showed as a debit. They never provide with that info.

Later another company appears collecting the same debit for {$560.00}. I did return all of the equipment 's to the cable company. Regardless that fact. cable company still collecting those equipment 's after a couple of years of being returned.

I did contact IC Systems as well, and every time I contacted them, they just said " verified '' and change the dates of account opened to the date I've contacted them.

I have contacted them over 10 times with negative results.

I would like to have an auditing company or someone from upper levels to take this into consideration. I would like to see original documents where shows amounts owed " according to them ''. I feel abused for this company IC Systems and completely ignored in my requests.

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