BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-06
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a business credit card through Amex. They sent me a " pre-approved '' mailing pack and they gave me XXXX to open. As I was talking to the customer service rep I explained that most of my cards had higher limits. His exact response was that all I had to do was apply for a higher limit and Amex would " take care of me on that one ''. So I did-like an XXXX. I applied for an increase on my personal XXXX card which I got in 30 seconds and then I applied on my Amex business card the same day. Amex denied me. So I was thinking maybe the credit line is too new --. And the csr lied to me. So i applied for a credit increase on my personal Amex card as well. Denial. I hate Amex and their lying customer service reps that promise me an increase if I applied for one and led me to believe that if I had did a hard inquiry I would get the small credit increase of XXXX. They should not be able to lie like that --.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow was {$2900.00} in XXXX. Then XXXX was removed for property tax and XXXX for property insurance. Then they said I have a XXXX balance, which should be around {$300.00}. Then I paid XXXX to add XXXX and then paid XXXX to add XXXX. They stated XX/XX/XXXX that my escrow balance was only {$62.00}. 

They have taken {$800.00} from me and will not add it back to my account. I've called them and they say the will look into it and call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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:
I notified XXXX XXXX in XX/XX/2020 about a fraudulent account opened in my name and they are still reporting it. ( Transunion )

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 2021-07-27
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted an application on XXXX ( # XXXX ) with aim loans. Have not received any disclosure or loan estimates. They asked for the signed contract which I provided, they asked for a new ETA for XXXX which I also provided a few days ago. Still no response to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Overlimit fee

Complaint:
American Express is XXXX of several credit cards that I pay automatically from my XXXX Bill Pay account. Bills are received automatically and paid on the due date. I have received XXXX bills today, both were due on the XXXX of the month. Per XXXX, the XXXX payment was delivered on the XXXX and the XXXX payment was delivered on the XXXX. In both cases, the payment was posted on the XXXX and a late fee applied. I contacted American Express and they insisted the payment was received on the XXXX. They did agree to correct XXXX of the late charges but no the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Recently I went to  XXXX    XXXX   to open an account. I was denied b y Early Warning.  I requested a copy of the consumer report, where to my dismay, I found several inaccuracies.     Please note that I was a victim of identity theft, and attached is a copy of the corresponding police report. Moreover, I also recently filed bankruptcy and some of the accounts were included in the bankruptcy.  See Bankruptcy Notice of Filing and Discharge.      I have also included a copy of my most recent   XXXX   report which will substantiate this information for you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been trying to get Asset Acceptance Corporation to remove a collection item on my account. I did not open any accounts during XX/XX/XXXX-XX/XX/XXXX and they have a collection item on my account stating that the account was open XX/XX/XXXX but my XXXX delinquency was XX/XX/XXXX ... that is clearly impossible. I have sent them numerous letters to them and have even requested validation and removal from my credit report, I ca n't seem to get any answers but yet they have not removed it. 
It is my suspicion that this account has been re-aged, I am sure it is a mistake but I would like it resolved as soon as possible. This is the only negative item on my credit report and the debt does n't seem to have any validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The length of the late payment is on my credit reporting company too long.

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 2021-07-27
Company: BARCLAYS BANK DELAWARE
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I was a victim of identity theft and have several accounts compromised, including my Barclays US credit card. There were a series of fraudulent purchased made using my card through my XXXX XXXX  account on the evening of XX/XX/2021 : XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$7.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} I immediately contacted the creditor to freeze my account and report the fraud, which they assured me I wouldn't be charged for, but after investigating the charges, they deemed them as valid. I also contacted XXXX to dispute the charges, but they also deemed them as valid purchases. I don't even know what XXXX XXXX is! I also had my personal and a joint checking account compromised and another credit card, who deemed the charges as fraudulent. I contacted Barclays US after they deemed the fraudulent activity as valid, but they were unwilling to re-evaluate and told me to contact XXXX. I disputed the charges through XXXX, but they also deemed as valid and told me to contact the creditor.

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 2016-04-06
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed a chapter XXXX bankruptcy and it was discharged in 2010. Syncb/Care Credit was included in that bankruptcy and they are still continuing to update and report damaging my credit. By law they can not continue to report and damage someones credit after a discharged bankruptcy.

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 2018-05-29
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My issue is that I shouldn't have received loan offers in the mail, nor be engaged. I was desperate for a short-term loan but I needed a little more than 200 or {$300.00}. Big picture loans had been soliciting to me via the post mail for several months and my husband was going out of the country. The interest was ridiculous, but we had a plan.. I would use my XXXX bonus check to pay off the loan early. Unfortunately, we got unexpected expenses while my husband was traveling and I could not pay it off. 

I could not get a big enough tax refund to pay it off. After seeing how much money I have paid I started to feel like I was almost done paying it off but I have barely paid anything towards principal. XX/XX/XXXX I received {$920.00} loan and as of XX/XX/XXXX I have paid XXXX for interest and {$26.00} for principle. 

I knew this was a huge rip-off but because they are a tribal based company I felt like I made a deal with the XXXX and that they could legally rip people off if they wanted to. 

I started researching the company and seeing if there were any class actions against them that I could sign up for because I was tired of paying so much money just towards interest. 

Well I found this company is not legally license to operate and loans to Washington State residents. I was being solicited to, at my Washington state home, since early XX/XX/XXXX. Washington State Department of Financial Institutions states that this company 's loan can not be enforced and all interest paid or fees paid must be refunded ( https : //dfi.wa.gov/XXXX  ) I am distraught at how much I have paid in 7 months, unaware that this company is not only charging sky high interest, but misleading me into thinking that they are above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus for a company called XXXX XXXX. The company is is reporting inaccurate account name, no of months, payment status, last reported, Date of last activity, and date of last active. This is a violation. I have disputed this information several times starting at XX/XX/2021. I have not received a response. They had had plenty of time to investigate and respond to me.

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 2021-07-27
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: Personal information incorrect

Complaint:
A middle name has been added to my Transunion account and maybe the other as of XX/XX/2020. XXXX and XXXX is listed as my middle name and that is incorrect, I have written in letters on 3 different occasion and Transunion continues to send me an " updated '' report with the same incorrect name.

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 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capita lOne Bank On XX/XX/2021, I purchased, an item from an XXXX account an ORDER NO. XXXX for {$180.00} thereon XX/XX/2021, thereafter that I had returned the item as so stated herein this legal notice after, I had returned, the item XXXX had refunded me the money on XX/XX/2021 back into my Capital One account, card ending in XXXX therefrom that on XX/XX/2021, a Capital One officially had issued me a provisional credit for {$180.00} that was unrequested, by myself so as a result Capitol One has so stated that the funds in the amount of a {$180.00}, will hereby be deducted from my account card XXXX on XX/XX/2021, unreasonably when in fact the money should not be deducted from my Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I try uploading documents on Experian website and it would not upload pdf files so I can remove a delinquency from child support that should not be on my credit report. I have a letterhead from child support asking them to remove this account from my credit report. I was told by child support this letterhead document from child support should remove this delinquency from my report right away. Experian is reporting account XXXX as a collection and also that I owe {$870.00}. This account is not in a collection account and I owe {$0.00}. I want Experian to remove this account right away base on the evidence I uploaded to this complaint and also fix their website so it can upload pdf files as they stated on Experian website dispute. Report 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 2021-07-27
Company: EQUIFAX, INC.
State: MN
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
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:
The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021

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 2018-05-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution XXXXXXXX XXXX and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL 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 explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, US DEP ED. There were also several inquiries that I know nothing about 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. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.

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 2021-07-27
Company: GOLDMAN SACHS BANK USA
State: MO
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:
XXXX is stating I have a bank card that was recently closed, and no card has been closed on my XXXX  report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
Please be advised I called Experian about my credit report around XX/XX/2022 regarding opening my credit report because I keep it locked. On XX/XX/2022 I was provided a time slot of XXXX to XXXX for opening my credit report, thereafter Experian would close the report. On XX/XX/2022 I found my credit report unlocked. I called Experian about this situation and at the same time after reviewing my credit report, I realized there were some other inaccuracies. I brought it to the attention of Experians customer service representative. The agent dismissed all of my concerns. As a result, I filed two complaints on line about the inaccuracies on my credit report with Experian. A week later I received an email about my Experian report. I open the report only to find that my credit score had plummeted XXXX points. I called asking why did Experian representatives lower my score, they denied any wrongdoing. Yet my credit card now seemed to have reached it maximum credit availability when in fact the week prior my credit report had the correct credit availability for my credit card which was more than twice the amount owed for available credit. A week later I went on Experian again only to realize that my credit score went down an additional XXXX points. 

Since I called Experian the first time to make corrections, instead of the agents being helpful, they took advantage of their position, they created havoc by falsely inputting information on 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 2021-08-27
Company: EQUIFAX, INC.
State: TX
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is violating my rights. I made them aware of fraudulent inquiries and they refuse to investigate/delete them. I have contacted the businesses who fraudulently accessed my credit report. I filed a FTC identity theft complain. These inquiries should be removed immediate

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