BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2020 I received an email from American Express Serve that I had received my {$1700.00} stimulus check. I had realized that I didnt have the card & I immediately tried to call the customer service line but the automated prompt doesnt allow you to speak to a representative unless you have your card information, which of course, doesnt help at all for people who have lost their card. So I call the American Express customer service line & ask a representative to connect me to a representative in Serve & the call was either being disconnected after 2 hour long holds or after just a few minutes. With this virus going on, I understand that wait times are increasingly long because I am definitely not the only person with this issue but I need that money, Im a single mother & had I known these checks would be deposited into an account I didnt have access to I wouldve done my best to give them the correct bank information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: APR or interest rate

Complaint:
I took out an application on a credit card at Home Depot in XXXX 2015 because I was offered a promotion of 0 % interest for 18 months if I purchased items totaling between $ XXXX. I purchased a lawn mower for {$1200.00}. The front page of the invitation says no interest if balance paid in full during this time period. I just got my statement for XXXX and I was charged {$190.00} in interest because the balance was n't " Paid in full within 6 months ''. This is the small print inside of the offer that does n't coincide with the large print on the offer. I have documentation of all this if needed. The card is issued through XXXX Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-03-11
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: Information belongs to someone else

Complaint:
I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: RI
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:
Equifax security breach - cyber attack has now placed my identity at risk. Equifax is suggesting we place freeze XXXX only good for 90 days XXXX and is offering a 1 year fraud protection account but the information obtained in the hack includes social secuity numbers and other information that will have a much longer shelf life! It is crazy to me that their company has placed my long-term financial future at risk but they are only accepting that mantle of responsibility for 1 year and offering what I consider to be ongoing laborious responsibility on our - the victim 's - shoulders. I am a tax paying citizen and feel like there should be some government intervention to ensure Equifax is accountable. I know this is unprecedented but I do not believe that I ever " signed up '' to allow a credit agency to warehouse my personal information and if they did so, without my explicit permission ( which may have indicated that I accepted whatever resulting risk ), then they should also have the responsibility to protect the information. A breach of their security means, they 've not only put me at risk but also expect me to be fully responsible to ensure the information stolen is not used inappropriately fir the rest of my life!

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: 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:
Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; XXXX 5. Credit Report ; Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt was deleted from my credit report and was reinserted around XXXX without proper 5 day notice or reinvestigation notce

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

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 2016-07-26
Company: Community Health Investment Company, LLC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received XXXX in XXXX. I received a bill of over {$1600.00} from the medical facility. I made arrangements with their billing company to make monthly payments of {$73.00}. I set the payments to happen automatically from my bank account every month and did n't miss any payments. I went out of town on the XXXX of XXXX. Yesterday, XXXX XXXX, I received a call from a collector. The billing company sent me to a collector and they are asking for over {$120.00} per month. I am trying to reach the original billing company. XXXX of their representatives confirmed that he could see my monthly payments but my file had not been updated to reflect the payment arrangements made. They say they can not do anything at this point and that I have to deal with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Exeter Finance Corp.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was caught vulnerable at a time of need. I recently just loss my car to a hit in run. In I was in a desperate need of a vehicle. I went to a local car dealership by the name XXXX motors. Which promotes we can put you in a car no matter the down payment or credit. I was deny by every loan possible. I grew weary and tired of the process. So they stop me before I could leave and said a financial company by the name Exeter financial corp was willing to put me in a car. I thought they had to be kidding me. I spent hours and now somebody wants to finance me? In they was trying to put me in a XXXX? But there was a catch I had to put down XXXX dollars and it would be a 20.95 % interest with payments of XXXX a month. I felt like I could afford XXXX without paying attention to the interest I needed a car for transportation back and forth to work. So to conclude everything the car had water pump issue and a recall. Which lucky the car still held it 's warranty and all was covered. But as time went on I only wanted the car to be an temporary car. In as I start to look into the financial aspect of the loan. I notice I was up side down. The loan held more value than the car and I was in a six year loan plus out XXXX a month only about a XXXX dollars was going to the car. I was XXXX! I 've been looking for a solution every which way to get out this loan that I was charm in to accepting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Cohn, Goldberg & Deutsch,LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I did a refinance on my home XXXX XXXX XXXX XXXX XXXX. with XXXX XXXX XXXX, XXXX. In XXXX we had to file bankrupcy to try to save my home. It appears that attorney 's XXXX XXXX XXXX, Cohn , Goldberg & Deutsch , LLC handle the foreclosure process & the bankruptcy, my husband was put on one court docket as the Debtor, my husband name is not on the deed, it seem to be personal because on my XXXX XXXX credit report a XXXX XXXX XXXX, & XXXX XXXX was on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I noticed that TRANSUNION, has an incorrect collection on my report about an old medical bill I paid. XXXX, is somehow using my identity and a medical bill, fraudulently sent to them by an angry medical clerk, whom refused to honor the secondary insurance, but insist I paid her over the phone. She threatened collections. I have  PAY TWICE, to avoid her threats I kept receipts from XXXX  to XXXX. This collection should have never been reported to TRANSUNION, and XXXX immediately removed this peculiar $XXXX  collection, that was paid.Transunion has lowered my score to XXXX, and reported this score to XXXX, and hurt my credit ratings. XXXX has my score well over 680.

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 2017-09-11
Company: EQUIFAX, INC.
State: MD
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:
Equifax mishandled personal information, directly leading to the exposure and theft of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: OPORTUN FINANCIAL CORPORATION
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 information incorrect

Complaint:
The following companies/agencies have failed to furnish the original " wet ink '' signed contract, that LAWFULLY obligates me to the alleged debt ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$2700.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX : {$650.00} Several attempts have been made to reach out to these companies since XX/XX/XXXX ( XX/XX/XXXX ) via U.S. certified mail or through the credit bureaus website. Despite the attempts these companies and credit bureaus continue to violate my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
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 went to a dealership to purchase a vehicle, and the dealership informed me they will run my credit. I only approved one inquiry, but they ran multiple inquiries on my credit report without my authorization.

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: 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:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have applied for a costco visa anywhere card and did not receive the card. I tried to contact the citi card credit card customer service but they could not find the card. Currently I would like to either receive the card or block it and close the account for good. 

Thanks,

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 2020-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I've never been late on my auto loan with Credit Acceptance. My husband was recently laid off due to XXXX and my hours reduced at my job. I contacted Credit Acceptance to see if they could defer my loan for 2 months until we get back to normal. I spoke wtih XXXX at Credit Acceptance. She was very rude and unwilling to offer any solutions to defer or make payment arrangements. She stated they are not offering those options and that we had to pay something on the loan anyway. She also stated that they would still report to the agencies that the account is late and that the credit agencies would be responsible for updating the account on your credit report. This company is not willing to assist any customers during this hardship. 

My account information is as follows : Credit Acceptance XXXX XXXX Account Number : 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 2019-12-09
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit card number was stolen and I was contacted by the fraud department at Citi. They told me they would close that account and send me a new card. I had a payment due and logged in to pay my payment and it showed a XXXX balance and I was unable to make the payment, however I also had not received my new card number at that time. So I received a phone call from Citi XXXX department, who was not very nice and insisted the information was on there website. After the call was ended, I logged in again, and it still said XXXX balnace and I was still unable to make a payment ( this I took a picture of ). I then received and email taking all my available credit away from me. I tried calling them again and they took my payment over the phone, however would not remove the late fee, which was of their doing, not mine, and said they could not do anything to repair what they had now done to my credit.. due to errors on their end.

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 2019-12-09
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:
I have disputed the following accounts/Companies on my credit report : 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 The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted Experian, XXXX, XXXX on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to Experian, XXXX, and XXXX on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.

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 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have several wrong items on my personal information such as misspelled names, wrong addresses, and wrong employment that I have attempted to get removed from my credit report. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current information and prove my identity.

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 2017-09-11
Company: Experian Information Solutions 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:
this account with XXXX XXXX XXXXE account number XXXX Date Opened XXXX/XXXX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue

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