BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
After XXXX bounced payment in early XXXX XXXX, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on XXXX/XXXX/XXXX by {$1500.00}. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. 

I then called the following day ( today ) to restore my credit. They said over the phone ( XXXX # XXXX ) that if I paid {$2900.00}, that my limit would be automatically restored within 30 business days. I accepted their offer and made the payment to try to restore my credit. I then found out that they would not be able to do so by the time the reduction would be reported to the credit bureau. I asked her to escalate or accelerate that process and she said that there was no such process and that no such process exists. I then spoke with her supervisor who affirmed the same. This turned out to be false and misleading statement from a credit agency as I later found out that escalation is in fact possible. 

I then asked the credit bureau reporting division of American Express what I could do and they said that whatever was current as of XXXX XXXX, XXXX, that that would be what is reported to the agency. So, to try to reduce the damage to my account, I paid the entire balance and closed the account. I then called to confirm that this is what would be reported to the bureau ( rather than the reduction in limit ) and they informed me that the newly assessed limit would be reported, together with the closure. I told them that I was promised that the limit would be increased if I made the payment and they sent me back to the credit lending department. That department agreed to escalate the matter and adhere to their agreement to increase my credit limit if and only if I re-opened my account. But that was not a term that I had agreed to. In fact, there was no mention of keeping the account open when the offer to accept payment and re-increase my limit was made. They then offered to escalate ( previously denied ) if and only if I re-opened the account. That is to say, they would only honor their promise if I agreed to re-apply for the same exact credit card and submit to a credit check. This appears to me to be a breach of a duty of good faith a fair dealing, breach of an oral agreement, and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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:
CRA taking longer than XXXX days to complete dispute. They are not in compliance with the FCRA & FCBA laws.

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 2015-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Bank of America reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 2016-12-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I looked at my credit report and i learned that MIDLAND credit mgmt is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. Midland is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I initiated a 10 year fixed XXXX. with BB & T. My act. was recently sold to Truist. For the final month of the loan Truist sent an incomprehensible statement with no payoff balance and inconsistencies all over. So you have to call them. I had an agent who couldn't communicate, couldn't understand what I needed, could only wander across some prepared flow sheet to give me answers to question I never asked. XXXX days later I tried again. Was told I had to request a " payoff statement '' which takes 7 days to arrive, which compromises my timely payment, and I was cautioned that the amount provided over the phone call was " not official '' until I get this payoff calculation 7 days from now via this letter, which would make it impossible to pay on time. Truist claims I can't just make my XXXX payment to the same entity and routing to which I have made every prior payment on this loan through the bill pay function of my credit union website. For this last payment specifically I was given special instructions : XXXX digit XXXX. and a XXXX act. numbers, new destination and new address where I was to send a check, along with a " mail code '' number -- XXXX -- whatever that is. Also, a " document cancellation fee '' was alluded to. Was this described in my mortgage with BB & T? A fee to make a last payment? What the XXXX? 3 hours spent on this so far and not at all sure the payment will meet Truist requirements.

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 2022-04-18
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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information.

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 2015-10-13
Company: Windham Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have my bank statements via bank of America edd prepaid n have been goin thru fraud problems since I started receiving payments. After them closing my account for 6 months to investage n came up with no help to y I was missing money they reopened my account n denied my claims so I had my statements mailed to me n I was able to show double charges made within seconds to up to days apart for the exact same amount n again filed claims. After several attempts n trying to get my claims filed I was able to file 5 out of 7 n received payment for one n was denied the rest cuz I was responsible for all the other charges which I asked how n was given no reason to y. So I had to fax over my bank statements I received from them to prove n resubmit my claims. This has been on goin for 2 years now n I'm out almost {$30000.00} plus my time n efforts n hours of work doin their no job. No including the stress n grife n trouble I've had since day one. I have records to prove n letters n emails n statements to back this all 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 2015-04-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been paying XXXX : XXXX XXXX - XXXX accounts- XXXX should be closedXXXX XXXX these accounts are showing XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information.

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 2015-09-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company denying me the real estate tax relief granted to me in XXXX CO, VA as a senior homeowner meeting income qualifications. Mortgage company continues to collect taxes into escrow that have been exempted or deferred although officially they recognize the exemption. They deny the deferral as a lien ( which it is not ) and have no appeal process. My equity is about 80 percent and theirs about 20 percent on a XXXX dollar property, and they say the mortgage might not get paid their declining equity portion when the taxes are paid on the sale of the property. They bill on assessments, not on the County information and actual tax bills. County is returning payments and the escrow balance will be increasing for years, outpacing the mortgage. I have a PDF file to attach that gives more detail and references specific documents and texts. File name is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

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. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 than 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 that the information is inaccurate.

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 2022-04-18
Company: CITIBANK, N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Citi closed all of my credit cards and won't tell me why. I received a letter in the mail stating my checking account would be closed, though only the credit cards were actually closed ( again no explanation ). 

Citi then charged the remaining credit card balance to my citi checking account, even though it wasn't set up as a form of payment for the credit cards, and it wasn't set as my default autopay checking account. The citi checking account didn't have enough funds for the charge and so I was charged an insufficient funds fee. I was also charged overdraft fees, and monthly service fees. I've had to call multiple times to remove/refund multiple charges on my checking account. I can't log in via a desktop browser and when I try I get an error message. I just want to have all these fees removed so i can close my account. The fees were unfairly charged as a result of citi charging my checking account for the remaining credit card balance ( i have a different checking account setup for autopayment, and the balance should have simply been charged to the checking account I set up and used for months and months ).

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 2016-01-01
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company name : Collection Bureau Hudson Valley, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Partial account account number : XXXX I have disputed XXXX accounts of information that are not my accounts, this company removed XXXX accounts off my credit report and continues to report one : XXXX. They are deliberately looking for extra payment. The accounts were paid XXXX. I have spoken to this collection agency and were told the accounts had to do with my children, who are minors and who were serviced at an emergency room. They said there was a third party. I told rhem I have nothing to do with a third party, and whatever third party this doctor knew about, should have made sure he got paid. XXXX ( Insurance that my children has ), I feel, on personal that fraud is in play, to receive extra money, which this doctor has been paid for services through XXXX. 
If they removed XXXX, off my credit report, it is obvious, that this one ( stated above ) is false information, continually being reported on my credit file, destroying and prohibiting me from obtaining credit, etc.,. I would like this to be remedied, swiftly, as I will obtain a lawyer to remedy the situation, and slap them with a lawsuit. They are involved in illegal activity and need to be brought to justice. 

Many Thanks in Advance, Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
I Had been a member of XXXX XXXX since 1980. During that time I have kept the account in good order and have had perfect credit for the past 30 years. 

I am a XXXX in the XXXX XXXX Area and have had some difficulties in recent months having lost XXXX sales. This had greatly impacted my cash flow. I fell behind in payments to XXXX XXXX as a result of this and have attempted to work with them to bring the account up to date. 

During various conversations with XXXX XXXX, I have been given information which has varied, to say the least. I was informed that if my account did not reach 120 days late ( which it had not ) it would not be reported to the credit bureaus. I aggressively paid down the balance which has been paid in full. The personnel that I had spoken with ranged from being very nice to badgering and somewhat abusive. 

I was recently informed, without notice, that the account had been cancelled and reported as such to XXXX XXXX XXXX and XXXX by XXXX XXXX despite previous representations that it would not be reported. With this derogatory information on my credit, it could cripple my business. I rely upon construction loans from lending institutions to operate my business and my fear is that this negative information will prevent me from obtaining this needed financing going forward. 

Additionally, XXXX XXXX has assessed service charges on this account which totalled more than {$10000.00}. The rate of the service charges was 2.99 % per month on the outstanding balances. I was also informed that I had lost over XXXX points that I had accrued through the use of this card prior to this difficulty. 

Any assistance that you can offer in this matter will be greatly appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying my daughter 's student loans for the past 20 years and I have never been missing a payment. Throughout the years I received notifications of the loan being sold to various service industries. The original loan amount was $ XXXX and change and after 20 years, the balance is $ XXXX and change. This is not right and I would like the consumer affair to conduct an investigation into the US Department of Education and its servicing industries. 
My daughter attended the University XXXX from XX/XX/XXXX to XX/XX/XXXX, I started repaying her loans immediately after. I am barely making ends meet, near the end of my life and do not think I will be able to payoff this loan, however, the number of payment I have so far made is double the original amount and I would really need an investigation to be made into the manner loans are being managed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
American Express is not allowing me to make payments to my account. When I have asked why, I have been told XXXX separate things by different chat representatives:1. That there is a thirty day hold after you make your first payment from a new bank account. This is not true, because I have made XXXX payments so far from that account. 
2. That you can only make a payment up to your current statement balance. This is not true, because I have already made a larger payment than my current statement balance. 
3. That the system sometimes will not allow payments but there 's no reason to explain why. 

I am disappointed that these XXXX explanations contradict each other, and that none of these were explained in my cardmember agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau is reporting a bankruptcy on my credit report but the court does not verify that information. Therefore that information was pulled out of a third party reporting agency therefore it must be removed and deleted completely from my report. I would appreciate it once deleted to be notify via email. My email address is 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