BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.

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 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
XXXX website has been broken for years, needs to be fixed asap. 
Website can not process order. 
This occurred on XX/XX/20 at XXXX-CT.

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 2015-07-14
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I worked through an attorney and realtor to try to secure a short sale for my home. I had a buyer and a valid contract for the house. All paperwork was submitted to the bank for approval including the form communicating I was using an attorney for any and all communication regarding the property. All documents were confirmed received previously by CITI yet they advised the attorney on XXXX, XXXX/XXXX/15, that they still needed several documents in order to proceed with a short sale or foreclosure postponement. The attorney requested a postponement as there is a valid contract for purchase. The bank then denied the short sale and foreclosure postponement. The foreclosure is set for XXXX XXXX, 2015. Citi failed to provide short sale response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O ''  STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.

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 2020-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Convenience checks

Complaint:
On my American Express credit card ending with XXXX, there was a credit balance ( due to refund of earlier spending ) of {$180.00}. On XX/XX/2016 ( as shown in the statement ), Amex sent me a check of the amount of {$180.00}, without my request. I deposit this check to my XXXX saving account ( ending with XXXX ) on XX/XX/2016. On XX/XX/2016, XXXX notified me that the check was returned by American Express ( Reason : Refer to maker ), and I have to contact check issuer ( American Express in this case ). There was a fine of {$12.00} due the returned check by XXXX. 
I started to contact Amex. I talked to XXXX Amex presentative and escalated to a supervisor on around XX/XX/2016 and the supervisor promised me that Amex will send me a new check after investigation. 
On XX/XX/2016, I received an Amex account online notification stating " Our investigation shows that the check was paid on XX/XX/2016 '' and I have to call Amex immediately. I called Amex again and talked to supervisor XXXX ( Amex employee # XXXX ). XXXX promised me Amex will credit {$180.00} to my credit card account as the solution within 2 days. 3 days later ( XX/XX/2016 ), instead of receiving the credit, I received second Amex online notification which is exact the same as the first notification ( the check has been paid ). I called Amex and talked to the third supervisor XXXX. XXXX promised again will issue me the credit after internal investigation within 7 days and will call me regarding the investigation result. However I did not receive any call and did not see the credit either. Instead, on XX/XX/2016 I received the XXXX Amex notification saying that the check has been paid. I talked to the XXXX Amex supervisor XXXX ( Amex employee # XXXX ) and XXXX request me to send the documents ( XXXX account activity and returned check image on XXXX ). I faxed the documents to Amex fax number XXXX. 
On XX/XX/2016, I initiated a 3-way conversation with XXXX and Amex ( My earlier request to have a XXXX way conversation was declined by Amex supervisors, as they promised it is not necessary ). This time I talked to XXXX Supervisor XXXX XXXX and Amex Supervisor XXXX ( Amex XXXX # XXXX ) at the same time. XXXX insisted the check was returned, and Amex insisted the check was paid. At the end XXXX supervisor XXXX said she opened an urgent case with XXXX ( case # XXXX ), and a special team member with call me on XX/XX/2016. Amex supervisor XXXX said he reopened previously closed case ( case # XXXX ) for further investigation and will also call me on XX/XX/2016. 
On XX/XX/2016, I did not receive phone call regarding the status from either XXXX or American Express. 
During the process I spent more than 3 hours with Amex and XXXX ( talked to XXXX Amex supervisors and XXXX XXXX Supervisor ), and still did not see any solution or even received the promised status phone calls. 
Amex case # XXXX XXXX case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: MA
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:
GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O '' STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.

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 2016-09-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I applied for the American Express Platinum card with a XXXX Membership Reward point offer if I spent {$3000.00} in the first 90 days. Application date XXXX/XXXX/16. 

I spent a total of {$3200.00} on the card excluding the annual fee that I paid and met the bonus requirements. The XXXX point bonus was posted to my account on XXXX/XXXX/16. 

In XXXX, I was reviewing my personal finances and decided that I wanted to eliminate some expenses if possible. I decided to reduce my credit card annual fees, but I wanted to stay at American Express for my credit card needs. I cancelled my American Express Platinum card and instead opened a American Express Everyday card. To this day, I am using my American Express Everyday card as my primary spending card. 

On XXXX/XXXX/16, the XXXX Membership Reward points were deleted from my account without any explanation. I only noticed this when I logged into my account. 

Upon calling to resolve the issue, which I assumed was an error, I was routed to many different representatives and told that I cancelled the credit card and therefore forfeit the bonus ( which is clearly not a part of the offer that I had applied for ). I tried my best to work with American Express on this issue, however there was no resolution. 

I met every condition of the terms and conditions for the XXXX point bonus. I held the American Express Platinum card for almost 4 months before deciding if I really wanted to keep the card, including 30+ days after the award was granted. During this time, I paid {$110.00} in annual fees in the card. 

If I 'm unable to get the XXXX points restored to my Membership Rewards account, I 'm willing to continue with Arbitration on this issue as it is clear that I have been unfairly mistreated. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: LendingUSA
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I Purchased a dog at XXXX XXXX in XXXX Wy, I was told I was approved for a loan with Lending USA and that the paperwork would come in the mail to me. They asked for my physical address and I explained I can not get mail at this address. I gave them both my PO box and physical address. I was told I would qualify for 6 months same as cash. I made this purchase the end of XX/XX/XXXX. I never received anything in the mail, I called Lending USA in XX/XX/XXXX to ask what was going on and they said they would email me the information. I never received an email and I went online and made a XXXX payment of which it did not leave my bank for a week. I then called and made this XXXX payment again over the phone after that I made a XXXX payment in XX/XX/XXXX and a XXXX payment in XX/XX/XXXX never have I received any information on how much to pay or when the payment is due and I have called them several times. I asked about the payoff and it was a lot more then I thought. they said because I was late due to never getting paperwork I lost my no interest. I filed a complaint since they did not mail it to me and they stated they did to the physical address which I can not get mail. I feel this is fraud to get the consumer to buy and then take them for a large amount of interest. They say I still owe {$700.00} for a {$1900.00} purchase and I have already paid {$1700.00}. I want help to resolve this as it is unfair, I have never been late on any of my cards or loans. I have no idea how they are being able to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
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:
Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit 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 explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There is an account from  XXXX   XXXX   XXXX  appearing on my credit report and it should not be there. This was previously disputed and removed and it has now reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Bread Financial Holdings, Inc.
State: MA
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:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
received call at XXXX on XXXX XXXX 2014. I answered the phone and they asked for XXXX XXXX. I said, " This is her. " They said, " I would like to verify your mailing address. " I said, " Who 's is this. " He said, " XXXX from ... '' and slurred where he was calling from. 
I had to ask him to repeat where he was calling from and he said " Stellar recovery ''. 
I had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up. 
i feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid full amount of debt in the amount of {$460.00} on XX/XX/2020. I was promised that when debt is paid in FULL, no settlement amount, this collection would be removed all 3 credit reports. I have sent letters and gotten no response or results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: GA
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: NY
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 fair credit reporting act XXXX  account number XXXX has violated my rights. 

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

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky

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 2016-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is in reference to Case Number XXXX - XXXX, where as I received communication from CFPB on the status of my case on XXXX/XXXX/2016 per the referenced case that HSBC Mortgage Servicing had sent a communication to CFPB that they needed more time of 60 days to work on my complaint. Howerv, that is n't the case as you can see by the attached documents that they have already decided to deny my request for a loan modification. In their corresondence to me they said that I could appeal but the information in their corresponce is so unclear as to what I 'm to appeal. This has been the historical missleading information being received from HSBC, along with the inability to contact the relationship manager that 's assigned to your case, to obtain factual information. I have attached documention from my account with HSBC and the correspondence most recently received. So i 'm even more so convinced that they are not taking modification requests seriously and thus violation federal Mandated requirements. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I applied american express platinum credit card on XXXX XXXX 2016 for an offer which is XXXX reward points after spent {$3000.00} in first 3 months, which I did and received the XXXX reward points on XXXX XXXX. On XXXX XXXX, I converted my AMX platinum credit card to the AMX green card. When I was doing the conversion, the representative never told me the change would lead to the disappearance of the XXXX reward points. I actually asked the presentative, if I would still keep the points if I do the change, and he told me yes, my rewards points will be safe. Recently, I just noticed that my reward points in my account is gone. On XXXX XXXX, they took away XXXX reward points which I earned with no question. 
First, I met all the requirement for obtaining the XXXX reward points. No question about that. I will attach a summary of my card activity. 
Second, when I was doing the conversion from platinum to green card, I was never told this change will make the XXXX points gone. If I was aware of that, I would never conduct the conversion. 
All in all, I just feel it 's extremely unfair that AMX just took away XXXX points from me for nothing I did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Granite Edvance Corporation
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Express Recovery Services called asking for my wife. When I said she was unavailable they asked me if I were her husband, I told them I was, then told me who they were and never read the disclosure. When I said do n't associate me with this debt they said they could n't since she knew I was. That is when I stated I had been entrapped and disclosures regarding debt collection were never made and refused to produce evidence to the contrary. FAILURE : to follow proper disclosure requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed