BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account # 1234, has violated by rights. 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. 15 U.S.C. 1681 Section 602 A, Section 2 : It also states that a consumer reporting agency cannon furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

See the attachments showing my numerous attempts to get you to provide physical evidence of each error listed in the attached sheets.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
In XXXX I was approved for and received my American Express XXXX card. I began using it and eventually reached a spending threshold on XXXX XXXX, which awarded me XXXX of their Membership Rewards ( XXXX XXXX XXXX, as promised on XXXX XXXX. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I had XXXX points from this card and my Membership Rewards ( XXXX XXXX XXXX Number ends in XXXX. My credit card ends in XXXX. However, on XXXX XXXX, XXXX points were deducted from my account with no explanation. I have been a customer of American Express for 9 years and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 
I would n't apply for this card knowing there will be no bonus awarded, and paying expensive {$450.00} annual fee. 
I called American Express and spent no less than 30 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that some accounts are being reviewed at the corporate level, and the the points were deducted for unspecified reason. She could not tell me anything else. I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. As well, a friend of mine from another state is also having it happen to him and his wife, so many people -- not just me -- are having their points deducted by American Express and that is help money! 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Unauthorized use of my credit report. Reporting incorrectly.

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 2017-10-01
Company: SN SERVICING CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told when I purchased a home in XXXX that I was a home owner, I lost my job in XXXX and I fell behind on payments I asked to do a short sell and was told I could n't because the property is not in my name. I ca n't even receive assistance from companies to catch the payments up.

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 2018-09-28
Company: REGIONS FINANCIAL CORPORATION
State: TX
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:
On XX/XX/2018 there was a fraudulent transaction on my account for the amount of {$140.00}. I filled out a fraudulent transaction form and sent to the company as per their policy. The company later responded with the following : Dear Valued Customer, The Fraud Investigation team has completed the review of your claim related to unauthorized charges for Case Number : XXXX involving card ( s ) ending in : XXXX. 

All fraud claims are reviewed in compliance with federal regulations, Cardholder Agreements, and MasterCard rules ( when applicable ).

Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim.

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards.

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.

For questions regarding your Cardholder Agreement, please call the Customer Service number on the back of your card.

Thank you for your patience in allowing us to complete a full investigation of your claim. We appreciate your business and look forward to serving you in the future.

Respectfully, Fraud Operations, Investigations Unit While the information in their response maybe true, it does not apply to my complaint. This was not an unauthorized use of a card. The card in question was in my possession at the time the fraudulent transaction was made and therefor meaning the card wasn't actually used at all. I would assume this was a electronic credit card fraud but either way the company is unwilling to answer me and don't seem to care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX {$830.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am caught in a very frustrating wormhole.My wife and I have gone to the branch, four times ; I spoke to a representative at consumerfinance.gov ( XXXX ) for about an hour and a half and told her my WHOLE STORY. She assured me that a rep would call me with a resolution. I filled out a survey ; XXXX XXXX left a voicemail but upon returning the call, I got XXXX XXXX, who told me a lot of nothing. MY PROBLEM is that the branch at BoA XXXX XXXX drilled my safe deposit box and is holding my contents. They have provided no reasons ; no explanation as to why this was done. All of the answers I get is what should have happened ; that the bank sent out several compliance notices and that I failed to answer them. I asked what information could they possibly have been requesting ; everyone speculated that it could have been a missing social security number or address or phone number. I 've had that safe deposit box at XXXX XXXX since XX/XX/XXXX ; prior to that I had one at the XXXX XXXX branch. I 've had that box here in XXXX XXXX over 30 years. I added my wife XX/XX/XXXX, the year we were married. We were asked to come into the branch about XX/XX/XXXX, XX/XX/XXXX and to this day, I do n't understand the info they were requesting. The branch asked us to return to the branch and we did again, in the same week. The so-called information we submitted those two times in the same week was the EXACT SAME information we submitted XX/XX/XXXX. I received NO letters, emails, nothing EXCEPT a letter stating that the box had been drilled. To this day, in speaking to the branch, in speaking to XXXX for over an hour ; in speaking to XXXX XXXX and ANOTHER rep at consumerfinance.gov, I still have not retrieved my belongings from BofA and no one has given me a real, true, concrete reason as to why the box was drilled. I know what the problem is : no one at BofA knows the reason the box was drilled ; there is only wild speculation as to what " should have happened '' and " notices would have been sent out requesting various information '' but the fact that the box was drilled, there had to have been a serious, egregious issue, to which, no one has offered one scintilla of comprehensive facts as to the reason the box was drilled. What I am advised now is to go back into the branch and request that they give me my belongings. That 's where all this confusion started.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2022-05-15
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/XXXX Dispute Department Your improper use of my report and non-conformance in supplying me with physical copies of the adverse information you reported on my credit file as affected me negatively. I have been paying higher rates for everything as a result. I have been requesting proof from you since XXXX as shown by the certified mail correspondence sent to you. 

You have violated my rights according to the FCRA sections listed below : In accordance with the Fair Credit Reporting Act, the list of accounts in the attached requests have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my right.

15 U.S.C. 1681 Section 602 A : states I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2 states that a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency my make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe it is inaccurate. 
Remove the collections report as you have provided evidence under the law that I signed an agreement with them and update my all late statuses to Ok and paid on time. Your lack of initiative is compelling me to seek further action as you are in direct violation of my rights listed about. 
A copy of this request is being mailed to the Consumer Financial Protection Bureau. 
Regards, XXXX XXXX Last 4 SSN # 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 2018-05-30
Company: Experian Information Solutions Inc.
State: OK
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:
This company called XXXX is reporting erroneous information on my credit report. The information they provide month after month is unverifiable and misleading. I have disputed several time with the same results. Verified by furnisher. Experian is the only credit bureau still reporting this incorrect unverifiable information. XXXX and XXXX  removed this after investigating my dispute. The company has several misleading details about my account. For starters they have the monthly payment wrong and the terms of the agreement as 185 months. Thats over 15 years on a 2000 model vehicle that was sold without notification of when and where. Mortgage payments are 15 + years. This is unverifiable and damaging to my life.

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 2019-12-13
Company: MAJR Financial Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
M.A.J.R. Financial XXXX started reporting a collection for {$5000.00} with {$0.00} balance and I do not know where this came from. There is no unpaid loans or charge off in the amount of {$5000.00} that was transferred or sold so I do not know where this coming from and its hurting my credit score greatly. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: WI
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 2019-10-24
Company: College Assist
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX XXXX XXXX has now called my place of employment, my family members, and former employers to communicate to them my student debt. As far as I know this is a breech of privacy and against the law. XXXX XXXX is the agent making these calls.

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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following credit inquiries listed on my Trans Union credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX XXXX, XX/XX/2020.

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 2020-07-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a call from ( XXXX ) XXXX during my lunch break at work. I did not answer and someone named XXXX from XXXX XXXX XXXX XXXX left me a voicemail asking me to call back to apply for a forgiveness due to Covid-19 and that Nelnet which is my student loan company is being sued for Fraud. I called the number back twice and both times they asked how much I owed and when was the last time I made payments on it, after I told them they hung up the call both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Harvard Collections, LLC
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:
On XX/XX/2020, HARVARD COLLECTION SERV add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HARVARD COLLECTION SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation