BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My Bank of America Cash Rewards credit card was open in XXXX. Reward Terms are : At the time of redeem cash reward. If client is in the Preferred Rewards Program client can have XXXX XXXX XXXX XXXX add-on bonus which is true at XX/XX/XXXX I did redeem {$640.00} and got total of {$960.00} ( with extra XXXX XXXX add-on ) deposit in to my checking account. I have exit the Program on XX/XX/XXXX due to the terms are client only need to be enrolled at the time of redeem. I have called BOA on XX/XX/XXXX and got confirmation with BOA representative the cash reward redeem terms has not changed. Therefore I moved my funds ( $ XXXX ) back in to BOA account to enroll. On XX/XX/XXXX I try to redeem my reward. Talk to XXXX different representative. All of them told me no reward terms has been changed but now XXXX XXXX extra bonus is add on to each transaction. I told them that's not what I have sign up for. Also on XX/XX/XXXX the last representative have told me I'm qualified but somehow was not enrolled in the program very sorry about that. She will enroll me right away so I can receive XXXX XXXX add-on on every transaction moving forward. I ask what about my rewards bonus add-on from XX/XX/XXXX ( the last time I redeemed to now which is {$1200.00} ( XXXX XXXX  of base case reward of {$1600.00} ) she said there's nothing she can do. So a compliant was filled at XXXX XXXX XXXX on XX/XX/XXXX. XXXX  has given BOA XXXX day to solve this issue. XXXX XXXX XXXX XXXX XXXX XXXX team has got back to me on the XX/XX/XXXX ( the last day ) and email me the final letter and XX/XX/XXXX statement. The reply was no BOA cant give the add-on because a notice was sent with the XX/XX/XXXX ' statement. Which I have not received due to BOA has never sent to me at all back in XXXX. I feel BOA should honor their terms and give me my extra reward of {$1200.00} XX/XX/XXXX till now ( XXXX XXXX of reward on as of XX/XX/XXXX {$1600.00} ) due to XX/XX/XXXX I have gotten confirmation Reward Terms was not changed from BOA representative and notice of change of Reward Terms was never sent to me. 
I feel BOA is trying to cheat client by changing terms that are not properly inform to clients and confusing clients with their representative.

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 2020-05-14
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a jefferson capital collection collecting for XXXX XXXX. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called jefferson cap who gave me the number to XXXX XXXX and they dont answer the phone. I then called XXXX who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from XXXX and Transunion basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the XXXX language why my credit score has dropped that huge amount. Have reviewed credit report that Transunion sent and it has not changed. XXXX did not even send credit report to review. This is ridiculous. I complain. I want an answer.

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 2017-09-08
Company: EQUIFAX, INC.
State: WV
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:
They mishandled my information, which puts me and 209,000 other people at risk. I am also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I paid off my lease with Ally, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on XXXX only. XXXX and XXXX were reported properly. I have contacted Ally since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with XXXX, and have asked Ally for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX year old to live, and my fico score dropped 60-80 points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against Ally which was verified by a law firm in XXXX where Ally operates from/

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 2022-02-12
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
Can you please take off anything negative on my credit report from 2010 and older. I want to try and clean up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Westlake Services, LLC
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle and the car company provided myself and the loan company Westlake Financial. This was discovered by the car company after I made my first payment. Since then the loan was cancelled with no notification to me and restarted by the car company and loan company on their own. My credit rating dropped from XXXX to XXXX because of their multiple credit checks even though the loan had already been approved and I had made a payment. Now this morning I was awaken at XXXX this morning for what the supervisor said was a mistake. When I asked why I was being awaken he said it was a mistake. I asked why he called and he did seem to be able to answer that question. When asked to speak to someone with some authority I was hung up on. This borders on harassment. This company is ranked as a weak customer service loan company in their reviews. I can see why.

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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Can you please take off anything negative on my credit report from 2010 and older. I want to try and clean up my credit.

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 2017-09-08
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was affected by XXXX XXXX on XX/XX/XXXX. When I attempted to file a flood claim on XX/XX/XXXX I  was informed that loan depot mortgage company failed to make a premium payment so my flood insurance was canceled. Loan depot said they did n't make the payment because XXXX did n't submit the proper paperwork and XXXX had the wrong loan account number on their documents..they both say it 's not their fault and neither want to take responsibility for our lapse in coverage. We need help! XXXX is contracted through XXXX. Our premium is paid through escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
I was included in the customers who had sensitive data stolen due to improper and insufficient security protocols at Equifax. Identifying information that could be used to commit fraud against my person was not properly stored or protected, making such a breach easier than it should have been. 

Despite the inadequate security protections, Equifax has not approached the situation with clarity. They have continually utilized improper IT security measures in their response, further exposing affected individuals to the loss of sensitive information. 

It has come to light that Equifax senior management knew of this breach for months before notifying the affected individuals. Instead of informing individuals of what transpired, Equifax management instead decided to illegally offload holdings in the company before public disclosure of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express advertised {$100.00} airline fee credit on qualifying airlines. It does not list the airlines that qualify. It says to see terms and conditions, but when one clicks there, it doesn't list them either. You have to click several times just to get a point where they say " call us to get the list of qualifying airlines. '' The airlines are not listed clearly and conspicuously and they make it difficult and require you to jump through hoops to find out about the airlines. 

I wanted to use the credit on an airline and they said it didn't qualify. They wouldn't send me a list that I could have accessed before I signed up for the card. I told them it wasn't clearly and conspicuously listed, but they said I could have called. They should list the airlines clearly and conspicuously on the site and not require so much friction to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was advised by a Employee of the XXXX XXXX XXXX that my School Loan would not be due until I finished the XXXX XXXX. Due to the fact i was in school for more than 12 hours i went to the academy from Monday to Friday XXXX. The Employee advised me that due to those hours I would not be responsible for the monthly payments. While in the academy i was being billed by the XXXX XXXX XXXX, but they sent the paper bills to the wrong address. I advised the XXXX XXXX XXXX that i did not receive the bills. Due to the time they charged me i was unaware i was being billed and was told i would not be. Due to the fact i was with out knowing and being told I would not be I was tagged for being late. My credit was hit for late fees when i was advised i was not going to be. I called XXXX  XXXX XXXX and was advised that the employee I spoke with does not work there and that the information was false. I do not agree my credit should be faulted for information i received from an employee that no longer works there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: OPORTUN FINANCIAL CORPORATION
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have credit monitoring applications on my phone and noticed that my XXXX score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that XXXX suddenly started to report a closed account with negative history. They started to report Oportun XXXX account number XXXX installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted Oportun, they do not have a record in their system with my name and social security. I started the dispute with XXXX and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the XXXX it has been open since XXXX  In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX points in just a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
I was involved in the Equifax 2017 Data breach. I am appalled that so much data was released into the public. It is disgusting that the company delayed notifying the public about this issue so that it 's high ranking executives could sell their stock before it crashed from their mistake. How is this legal? They are also trying to get people to sign up for their " free '' credit monitoring service so that they can have people sign away their right to sue the company. Completely Disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
I am affected by the Equifax data breach. They were aware of the problem for more than 6 weeks before disclosing the issue, opening me up to the potential for identity theft and other financial  damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have credit monitoring applications on my phone and noticed that my equifax score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that equifax suddenly started to report a closed account with negative history. They started to report XXXX XXXX XXXX XXXX XXXX  installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted XXXX, they do not have a record in their system with my name and social security. I started the dispute with Equifax and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the equifax it has been open since XXXX. In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX XXXX in just a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

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 2017-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I 've submitted two claims with Wells Fargo now twice they continue to ignore facts in resolving the issues. Several Checking and Savings accounts and even a loan was opened under my name and social with Wells Fargo without my consent and due to my identity being stolen. 

Wells Fargo continues to neglect factual information. They do n't accurately investigate claims and try to put accounts that do n't belong to me under my name and social. Wells Fargo ignores that the account identifiers do n't match me along with I 've been living and working abroad since 2010 so its impossible for me to have open any accounts with their bank. 

I 've talked to the Executive Office along with the Financial Crimes Manger and continue to get no where. I 've been given the run around and false promises. Wells Fargo has a history of not doing right by its consumer and I 'm not the latest victim of Wells Fargo neglect and irresponsibility.

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 2022-07-13
Company: EQUIFAX, 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 have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation