BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: AMERICAN EXPRESS COMPANY
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: Confusing or misleading advertising about the credit card

Complaint:
I got an email from American Express ( AMEX ) about a personized offer as below : " We disclosed an incorrect Annual Membership : When you accepted the online upgrade to the Hilton Honors Aspire Card, we disclosed incorrect terms for the Annual Membership fee. We sincerely apologize for any confusion this may have caused. 
We want you to come back : To make things right, we'd like to invite you back to Hilton Aspire - we'll honor the terms you accepted of {$0.00} Annual Membership fee for the first year and {$95.00} for the second year. 
What happened : The Annual Membership fee terms you accepted were incorrectly disclosed. 
What we did about it : We will honor the terms you accepted {$0.00} for the first year and {$95.00} for the second year. 
On or after XX/XX/XXXX, your Annual Membership fee may be increased to the current fee for the Hilton Honors Aspire Card at that time. If so, you will receive a notification before your Annual Membership Fee is increased. 
Next Steps : If you'd like to take advantage of this invitation, please call us by XX/XX/XXXX at XXXX - XXXX - XXXX and share this personalized offer ID, XXXX. '' I requested to accept this offer, but AMEX had no record in their system. As a result, the card is still not upgraded, and they now refuse to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: WAKEFIELD & ASSOCIATES, 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:
The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is XXXX XXXX XXXX ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is Wakefield ( Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I just received a loan modification package from Seterus Bank with a proposal trial period payment for XXXX months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i could n't pay before in the XXXX place. 
I have spoken to alot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$970.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and im worried for my family and loosing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Every year I can not get past Equifax 's ( PURPOSELY ) illegible s CAPTCHA, ( authentication challenge ) alpha-numeric box. I try 3 times unsuccessfully and the system then locks me out. This requires me to sent Equifax - by mail - a list of documents in order to receive my free annual credit report. I do not have this issue with XXXX XXXX or XXXX. I have lodged a complaint once before to no avail. CFPB has not been successful in dealing with this OBVIOUSLY and PURPOSEFULLY underhanded attempt to force citizens to the onerous task of mailing sensitive documents to them. The obvious reason is to get requestors to just give up and go away. I hold CFPB accountable for not fining or sanctioning Equifax. Otherwise this will never be resolved. Please respond with a corrective action detailing what, if any, pressure you can bring to bear on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Report Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very upset of the way Seterus has handle my loan. I summited a complete modification packet since XXXX/XXXX/XXXX. I spoke with Agent XXXX XXXX on XXXX/XXXX/XXXX and she had verify that my documents were received and that my file was going to be summited to the under writer for review. However that did not happended they keep prolonging my loan and now I have an active sale date for XXXX XXXX, XXXX. I had to fight with different agents and everytime I called there were no new notes. This is really frustrated becaus I do not want my house to sale. I had to even reach out to my investor to make sure this time Seterus reviews my loan based on my current income. My home is severely under water and my investor XXXX he participates in The XXXX XXXX Modification. Also they started to offer principle forgiveness. Therefore I am hoping that my loan can be review for all the workout options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
CFPB Complaint Equifax XXXX/XXXX/16 Account XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX 's reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Equifax Credit Report, or any other credit report for this account, no address or other name. I sent a certified mail return receipt to Equifax requesting delete of this account. I have not been able to verify that Equifax has processed that dispute. 

XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX Bank # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX - XXXX Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX Bank # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX Bank. Certified/return receipt/mail, Response from XXXX XXXX, certified mail sent to Equifax requesting delete and this letter of this CFPB dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a Va Mortgage Loan with XXXX XXXX  XXXX XXXX XXXX but, i never see it in my credit report.

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 2022-10-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My credit score dropped XXXX points on experian, and when I checked XXXX it dropped there too. I have missed zero payments, I have not been late, and I can not understand how my credit score dropped. I believe this is because I went on a temporary payment reduction plan with XXXX XXXX XXXX XXXX, from where I have a loan. I agreed to a temporary reduction plan for 3 months until I became employed again, this was a plan they agreed to as well. I called XXXX XXXX XXXX XXXX and they too said that my credit should not be affected as the plan was agreed to by them as well. I filed a dispute with experian, and they said it was resolved however my credit score still took a XXXX point hit. Please advise.

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 2016-10-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, XXXX to remove, till date nothing has been done. EQUIFAX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit bureau received information through XXXX that the accounts that were fraudulently placed in my name were verified. I requested that the credit bureau 's manually investigate these fraudulent account because the were put in my name fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Report Activity Expand All Collapse All New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debts reported as in collection can severely impact your credit score, so it 's important to determine how to resolve these debts as soon as possible. 
Debt Collector Original Creditor Balance Owed XXXX XXXX {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent

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 2021-07-08
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: Their investigation did not fix an error on your report

Complaint:
I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. I have called and explained the situation but nothing has been done.

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 2015-09-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Bankruptcy ( according to Equifax 's website ) A bankruptcy under chapter XXXX or XXXX or a non-discharged or dismissed chapter XXXX bankruptcy generally remains on your credit file for XXXX years from the date filed. 
A discharged chapter XXXX bankruptcy generally remains on your credit file for seven years from the date filed. 

***I have a Chapter XXXX bankruptcy that was filed in XXXX and was dismissed in order to convert it to a Chapter XXXX bankruptcy ( at the advise of the bankruptcy attorney ). The Chapter XXXX was filed in XXXX and is discharged. This Chapter XXXX bankruptcy was dismissed in XXXX in order to convert it to a Chapter XXXX in XXXX ( within weeks of the dismissal date ). You can see the dates line up. This is a discharged bankruptcy that was tied together. There are notes in the public records that state I was in a Chapter XXXX and went to a Chapter XXXX. I can provide the document from the court that notes my repeat filing of a XXXX XXXX to a Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX # XXXX on XX/XX/2021 did not find a solution to my mortgage situation and never got back to me, when he said would showing outright negligence. If you can stay away from PNC bank for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
MY PROBLEM BEGAN AFTER I DISPUTED ACCOUNTS ON MY CREDIT REPORT. I DISPUTED THE DATES SHOWN. I LOST ALL DISPUTES SAYING THEY MET THE STANDARDS. I KNEW ONLY WAY IT WAS POSSIBLE WAS IF THEY FALSIFIED THEIR RECORDS. I ORDERED SEVEN ( 7 ) YEARS OF MY BANK STATEMENTS TO MAKE SURE I WAS CORRECT ON MY DATES. I WAS THEY SHOWED NO PAYMENTS MADE ON DATES THEY CLAIMED OR ON ANY DATE IN LAST SEVEN ( 7 ) YEARS. EACH TIME I DISPUTED THE ACCOUNT DATES CHANGED. AT THE END THE OPENING AND LAST PAYMENT DATES WERE CHANGED FINALLY SHOWING ACCOUNTS WERE STILL OPEN WHEN ALL WERE CLOSED FOR YEARS.. THE COMPANIES THAT BOUGHT MY CHARGED-OFF ACCOUNTS REPORTED NEW DATES AND ACCOUNT NUMBERS XXXX ( XXXX ) XXXX XXXX account turned into XXXX ( XXXX ) .I wrote XXXX XXXX got no reply but accounts changed from write off to no missed payments and XXXX showed right dates of last payments as XX/XX/2006. same with XXXX XXXX ( XXXX ) was good XXXX ( XXXX ) bad there was only XXXX ( XXXX ) account these accounts appear three ( 3 ) separate times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: NV
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 reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates : XXXX XXXX : XXXX of XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. 
I need these fraudulent inquires removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Global Lending Services LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Global Lending Services have ruined my life and I'm will become homeless in a matter of days due to their billing practices with extra fees and reporting to the credit bureau. Even after taking out extensions and making payments they still report payments as late to the credit bureaus. One month payment was made XXXX credit reported current next day reported I owed XXXX in payment and fees. Paid this amount because we are having to buy or rent a house. After paying this few days later Global Lending Services reported I owed XXXX and the total bill would be XXXX. I paid XXXX because again I can not afford my credit score to go any lower. The payment was made on XX/XX/2021. Global reported I was current but report another late payment on the same day I made the payment. I went on to their website and then saw that my XX/XX/2021 payment showed nothing owed and we paid ahead. I have disputed but Global Lending comes back with verified but still won't disclose what misc.1 fee is to me. What I do know is that Global Lending Services has ruined my life. I don't understand how a company can go around doing this to people and I know I'm not the only one this has happened to but when is it happening to you all you can think about is what am I going to do? Where am I going to live?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation