BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My XXXX year old father called me to say he had just received a call from American Express saying they had an important message for XXXX XXXX. This made him concerned he was being targeted for fraud since he has nothing to do with my card, or his grandson 's card ( XXXX XXXX, XXXX ) I said I would call American Express and my son and ask what was going on and tried to put his mind at ease. 
I called the American Express fraud department to see if this was a legitimate call. The person in the fraud department said He would have to transfer me to find out how they got my father 's name and number, but it appears that i was two days late with my payment so could we please fix this first. I said no, my wife takes care of these payments and I will have her take care of it. From there he must have asked four times when I would pay, how i would pay, which account should he take the payment from, could i at least pay the past due  balance, he would like to make a note for the record that this payment will be made. It was total harasment - I called to report a fraud! 
I have no idea what privacy laws American Express violated to connect me to my father and then to reach out to him when he is not in any connected with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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

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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
its been over 2 years since chase has placed a hold on my account and everything is changing every time i call. they tell me something different. they also told me i need to bring the maker to the bank. the deposit was never return it was never fraud nothing. i called today and its still the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
Experian needs to remove any late payments associated with XXXX XXXX XXXX XXXXXXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B, and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A Financial al institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide proof that XXXX XXXX is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account 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 2022-03-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, I have a mortgage with Carrington Mortgage, Loan No XXXX. 

The Carrington Mortgage website has been down for at least 3 months, so I am unable to access my online account.

In addition, I have tried calling twice, and each time they hang up on me as there is no customer service representative available. 

I need to contact the mortgage provider in order to obtain my tax form so I can file my taxes. I had similar problems last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Company is trying to collect a debt that is not mine and it is still on my XXXX  credit report showing as closed but it is NOT MINE. 
I.C.System INC Acct # XXXX XXXX  XXXX XXXX {$600.00} Can you please have the credit bureau removed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX there was a bank fraud in my HSBC accounts, in the amount of {$110000.00}, since that date I made multiple claims both personal and by mail and it was XX/XX/XXXX that I got in response of Mrs. XXXX XXXX, that within a period of 10 working days I would receive an answer if you have any questions, please contact Mr. XXXX XXXX, I have sent several communications and the last one I answered was on XX/XX/XXXX, " Dear XXXX XXXX, I appreciate your patience as I continue my review. I dont need anything further from you but do need a little more time to resolve the matter.Sincerely, XXXX XXXX XXXXManager, Executive Office | Customer RelationsXXXX XXXX XXXX - XXXX XXXX, NY XXXXwhere I indicated that it would give more time, despite the fact that I wrote after that date, I do not get any response, I have not received an answer to my complaint until today and it does not meet my requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get Regions Bank to refinance my HELOC 30 days before it reached maturity. We submitted the refinance loan application and their loan officer XXXX XXXX took 5 weeks to say " no, can't do. '' I was then referred by her to XXXX XXXX XXXX from the Loss and Mitigation Dept at Regions. Mr. XXXX send me a new application, I filled it out. It took me another 20 days to find out by Ms. XXXX XXXX, from Loss and Mitigation Dept that I was denied refinance because I had no sufficient Income to pay the Loan. Regions has not provided me with a monthly payment. I am not late in any type of payment since I dont have any assigned scheduled payment to make by Regions. I am not failing to make any payments. 
We feel Regions is being unfair by reporting us with " Late Payments '' to our credit bureaus since we dont have a way to make a payment since Regions has not open an account where we could make the payments. 
It's not our fault Regions approved us a line of credit 7 years ago and now they change their mind and tell us we aren't worth it of a credit with them. We have a Mortgage loan with Regions that we never failed to make a single payment and made all payments on time while the our HELOC was opened until it matured.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-05-02
Company: ACIMA CREDIT, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Acima several times since mid XX/XX/XXXX. I have asked numerous times for them to provide me documentation of the lease agreement that they state I am owing for lease # XXXX. There are many discrepancies with this collection. First, I am not aware of this account, but I tried to reach out to them to get all documentation first. I have been informed 3 times that they have sent this information of the lease agreement to my email and should receive it within 1-2 business days. I have YET to receive anything. I have also verified the email that they are sending these reports to, and I confirm that it is my email, but I have not received anything in my inbox nor spam. Apparently, I have a lease in my last four social of XXXX and another lease with the last four social of XXXX. Every time I talk to a representative, I am given a different balance on each occasion ( in which none actually matches the amount shown on my credit report ). On the last conversation, I explained to the supervisor ( XXXX XXXX. ) that I am not aware of this account, and since then they have denied providing any more information. She stated that since I informed them that this could possibly be fraudulent activity, they can not share or provide any more information with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Convergent Resources, 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:
According to the fair credit reporting act convergent account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my continued concern regarding the accuracy of the information on my account. Despite assurances of the account 's verification and accurate reporting, the data remains inconsistent and inaccurate. I have disputed and requested a reasonable and thorough investigation regarding both accounts numerous times. My request for original documentation, encompassing signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation as inaccurate and incomplete information is still being reported. 

Contrary to Transunions claim of a thorough verification/investigation process, the following discrepancies persist on my Transunion credit report which are inaccurate : Account XXXX XXXX XXXX XXXX acct # : XXXX 1. Account number : Account number is inaccurate. 
2. Monthly payment : Monthly payment for this account was not XXXX. 
3. Date of last payment : No information provided. 
4. Payment history : Payment history is inaccurate across both bureaus, Transunion and XXXX. 

XXXX XXXX XXXX XXXX acct # : XXXX XXXX. Account number : Account number is inaccurate. 
2. Date opened : Account was opened in XX/XX/, this account is over 7 years old. Shouldnt it be deleted from my Transunion credit report? 
3. Account status : Transunion states this account as PAID, that is inaccurate as this account has been CLOSED. 
4. Terms : Transunion states the term were 0 months for this which is inaccurate. 
5. Comments : Not consistent with XXXX 6. Payment history : Not consistent with XXXX. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report, and I insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inaccurate. This a Fair Credit Reporting Act ( FCRA ) violation. Rather than requesting a re-investigation, I am requesting the removal/deletion of both accounts from my Transunion 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 non-monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CFPB XXXX ======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2022-12-13
Company: TRANSWORLD SYSTEMS INC
State: WI
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 requested the removal of an account reporting from TRANSWORLD SYSTEMS on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not open an account with TRANSWORLD SYSTEMS on XX/XX/2022 and this account does not belong to me. I have never opened an account with this company for any reason. I do not owe any money to TRANSWORLD SERVICES. TRANSWORLD SERVICES is reporting that I owe their company money to the three credit bureaus XXXX, XXXX and XXXX. I do NOT owe any money to TRANSWORLD SERVICES because I have never opened an account with this company for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I mobile deposited a pension check with Citibank. My account is fairly new about a month or 2 old and this was the first large deposit that I had made. On XX/XX/XXXX I attempted to access my mobile banking through their app to check the status of my deposit, but for some reason I was unable to log in. I then called your customer service department who informed me that my account had been blocked due to suspected check fraud. After providing the details to the person on the phone in the fraud prevention department they then called the payor of the check and verified that the check was indeed a legitimate check. I was then told it would take two to three business days to get my account unblocked. Which is far too long for this day and age. 
Then I received a notification on XX/XX/XXXX that the funds were available in my account therefore the check has cleared and been cashed yet I'm still unable to access my account. 
I called back to the fraud prevention unit and customer service to figure out why I am still unable to access my account I am then told that my account is being closed but nobody can tell me why exactly they're closing the account they cashed the check so they can't be closing the account because of check fraud. So I have been on the phone on XX/XX/XXXX now on and off for about 5 hours speaking to and getting the runaround from multiple individuals, no one can get me through to someone who can answer my questions and somebody that can unblock my account. 
Mind you initially this check is literally from a payor listed in the Citibank direct deposit list and my account is currently in the process of being set up for direct deposit from this payer and yet still they flagged the check. 
They verified the details but are still closing my account with no explanation so now I am stuck in a situation where the check has been cashed so I can not put a stop on the check. I can't have the check reissued because it's been cashed already " days ago '' according to the woman at XXXX XXXX which is the bank that issued the check.They 're literally holding my money hostage.

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 2022-02-28
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: STERLING JEWELERS, INC.
State: AP
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 AM XXXX XXXX MILITARY CURRENTLY LIVING IN XXXX ON MILITARY ASSIGNMENT. WHILE CHECKING MY CREDIT ON XXXX XXXX, I NOTICED THAT STERLING JEWELERS AND XXXX XXXX XXXX   MADE A HARD CREDIT INQUIRY ON MY REPORT ON XX/XX/2019. I DID NOT AUTHORIZED SUCH INQUIRIES, AND I AM NOT SURE WHAT IS GOING ON. 
BELOW IS THE INFORMATION FROM THE COMPANIES : STERLING XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation