BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. There are fraudulent inquires on my credit report that I noticed. I attached my Identity theft report with my State ID

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 2017-07-15
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have an American Express open business card for more than 5 years. In XX/XX/XXXX last year I was  notified from American Express by phone that I got 0 % promotion interest charge for one year. Since then I always made minimum payment every month on time. Today ( X/XX/2017 ) I logged into my account and I found there was {$240.00} interest charge on X/XX/2017. I paid my balance in full immediately and called American Express asking why there was an interest charge on my account. I was told the 0 % interest charge ended on X/XX/2017 and the charge is for 30 days balance. Since I signed up paperless statement I never get a notification about when the promotion period ends. It is unfair to charge me the interest rate without any notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a pre-approved credit card offer from American Express and subsequently applied for the Platinum Card on XXXX XXXX, 2017 ( application # XXXX ). The application was declined and I reached out to American Express New Accounts Team for an explanation - the representative stated that because the reason was that I already have the Platinum Card. I spoke to customer service to have the card account downgraded to another product, and applied again for the Platinum Card on XX/XX/XXXX ( application # XXXX ). The application was turned down for the exact same reason. I called the New Accounts Team asking for a manual review because it was obvious the reasons for the decline were not only inaccurate but also outdated, but the representative kept reiterating the reasons for the decline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-01-11
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was lied to on three different occasions. The first time a fake supervisor told me I'd receive my replacement debit card no later than Wednesday Nothing came. then spoke to a girl who promised me I would get my card on Monday. No card came in the mail. Next I called in and spoke with a real supervisor who informed me the card HAD NOT EVEN BEEN MAILED OUT!. Claims they can't overnight it because of XXXX which is a bunch of bull. I get overnighted prescriptions, and merchandise without a problem. THIS HAS COST ME ONLINE ACCOUNTS THAT HAVE CANCELED ME! They just tell you lies that they think you want to hear. Today I talked to a woman and it's going to be another 5 days! I am XXXX, XXXX and without transportation. I depend on having this card and not misinformation. HASN'T EVEN BEEN MAILED OUT YET! Unbelievable! I CAN'T WAIT TO LEAVE TD BANK!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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 submitted a dispute with Experian on XX/XX/2021 regarding a collection account that had been paid and the creditor agreed to request that their trade line be deleted from my credit report. Experian is refusing to delete the trade line even though I have provided proof in the form of a letter from the creditor indicating that this item should be removed. They also sent their own request. This trade line has been removed from XXXX  and XXXX  and this is affecting my ability to get a mortgage.

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 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 made a purchase for a service XX/XX/XXXX I never received the materials for the class so I decided to ask for a refund since I never attended the zoom classes either. Refund was never issues by merchant and credit card company wont help me either. They denied my dispute claiming the merchant stated I attended the XXXX classes which I did not.

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 2022-05-04
Company: M&T BANK CORPORATION
State: IL
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing 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 purpose.

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 2022-01-12
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:
Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
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: Public record information inaccurate

Complaint:
A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as 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 2019-07-22
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I spoke to XXXX & XXXX in reference to the account and was advised that Sequiem Asset did not hold the account. Sequiem Asset has continued to report falsely to all three credit bureaus that money is owed to them when that is not true. I contacted Sequiem Assets on XX/XX/XXXX to request that they correct the erroneous reporting on my credit report and they refused. At the onset of the call, the representative was in full collection mode knowing that XXXX XXXX XXXX had pulled this account back from their agency but they are continuing to try and collect from an uncollectible account..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have had an ongoing issue with logging into Venmo, even though the login information has been correct. Despite resetting my password many times, this continued to happen. On XX/XX/2021, I contacted Venmo customer service through their website to advise them of the problem and request help ( filename : Can't log in - Venmo.htm ). They advised me to reset my password, which I did, to no avail. 

On XX/XX/2021, I received an email from Venmo stating that my account was frozen due to " recent activity that triggered some security alerts. '' No further information was provided ( filename : Your Venmo account has been temporarily restricted.pdf ). 

The Venmo app stated that my account was frozen due to violations of their Acceptable Use Policy, which I read and understand deals with crime and fraud, so I took this to mean that Venmo was accusing either me, or someone who had accessed my account, of a crime. 

I contacted Venmo but they would not reveal what activity had taken place on my account, who may have initiated this activity, or whether my account was safe. 

After not being able to resolve this issue, I notified Venmo that I would be filing a complaint, although I mistaken thought that the correct agency to file with was the FTC XXXX filename : Your recent Venmo request.pdf ). 

At this point, Venmo began to interact with me through email more consistently XXXX XX/XX/2021 ). I repeatedly requested they disclose the activity perpetrated on my account and whether my information was safe. 

During this exchange, I became frustrated, and then angry, which led me to use profanity and sarcasm in my emails. I understand that this may have contributed to Venmo 's refusal to assist me ; however, I was very clear in what I was requesting from them. The last email I received from Venmo indicated that they would no longer respond to my requests for assistance ( filename : [ Venmo ] Recent Activity on Your Account - Venmo.htm ). 

As of today XXXX XX/XX/2021 XXXX, Venmo has still not disclosed whether my account was hacked, if I am currently at risk, what activity occurred, or any useful information to put my mind at ease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: Scott Fetzer Financial Group 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: Information belongs to someone else

Complaint:
They sent me an email stating that my credit score has dropped to XXXX so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CITIBANK, N.A.
State: CA
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 got 6 alerts for new inquiries that I never applied XX/XX/XXXX on Macys XX/XX/XXXX on XXXX XX/XX/XXXX XXXX XXXX  I did the claim for the other two news inquiries

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 2022-05-04
Company: ALLIANT CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
alliantcreditunion.com XXXX XXXX XXXX XXXX, XXXX, IL XXXX alliant credit union advertised a free {$200.00} gift card for opening and funding a new account. I opened a new account on XXXX XXXX. The promotion did say the offer would be limited to the first XXXX accounts. They continued to advertise the offer tor 10 days after I opened my account. The offer said it would take 2 to 3 weeks to receive card. 

on XX/XX/XXXX I sent a secure message to them telling them I had not received the gift card, got a response saying please wait 14 days, on XX/XX/XXXX I sent a secure message saying I had not received the gift card. Got a response saying it could take 28 business days and asking to confirm my mailing address. They later confirmed the address was what they had on file. 

on XX/XX/XXXX I called the customer service line and spent 40 minutes. They first told me I did not sign up through the correct bonus link, but later said they could see the bonus code had been added to my account, then said they would get back to me, that day. 

No call - no gift card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS. At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at 82 %. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at 81 % and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at {$30000.00} more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.

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 2021-07-22
Company: Experian Information Solutions Inc.
State: MN
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:
Experian was notified that one account is not open for years. It relates to a XXXX/XXXX credit card. I have have contacted the vendor - and that vendor can not find my name or address or anything related to me. I have contacted Experian twice and this does not seem to be resolved.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: AL
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 didnt Authorize the following inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX veteran. XXXX XXXX XXXX has a contract with VA ( Veteran Affairs ) to provide local care to veterans. I provided my VA ID and got XXXX services on XXXX and XXXX. VA paid XXXX XXXXXXXX for services however I found they ( XXXX  ) put me in collections for {$400.00} and {$1600.00}. Contesting this, it was discovered the wrong information was entered into XXXX XXXX XXXX. VA has contacted XXXX on XXXX different occasions and instructed them on the proper way to enter veterans ' information. They will not remove this from collections. All representatives tell me that it takes XXXX days to fix. This time have expired. I have been collections for 1 year. I've disputed these collection account accounts with the XXXX credit bureaus to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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/XXXX I sent a letter to Capital One Auto Finance ( XXXX XXXX XXXX XXXX, TX XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One Auto Finance to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from phone number XXXX and they were alleging that they were from Transworld systems Inc. They stated that on XX/XX/2014 I accrued a {$110.00} debt from the company XXXX XXXX. They allege that my account number is XXXX. Today is roughly 5 years after the alleged debt. And until my conversations with this company today Ive heard nothing about the debt. No notices have been sent nor they will they released me any information or proof the day The debt to me. 

Im not sure that this is a legitimate company nor a valid debt. I did call XXXX XXXX and they have no record of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC ) plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$120.00}

Company response to consumer: Closed with explanation