BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: FL
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:
To be honest, it's been months since I checked my credit report and I realize some of the information is still wrong. XXXX credit reporting agencies are required to certify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reports as unconfirmed information without providing evidence within the legal deadline is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) Investigate any items that can not be verified and remove them from my report immediately. 

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 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 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 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
ASK THE COMPANY TO SEND DOCUMENTS OR DOCUMENTATION SHOWING PROOF THESE ACCOUNTS BELONG TO ME. COMPANY ( S ) NEVER SENT PROOF THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOME HAS USED MY IDENTITY TO ENGAGE IN OBTAINING FRAUDULENT CREDIT IN MY 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 2023-12-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express is committing security fraud against me the aggrieved party the secured party and I have proof in their own words on their SEC filings in their 8-k form, 10-k form, and their Indenture Trustee agreement they have with The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. How American Express turned both my credit applications into securities and are trading them on the secondary market without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Starting in XXXX of 2022, I have been battling with Experian customer support on unauthorized access and changes to my online Experian account. There have been several calls to reset the email and username after someone other than myself has logged in, changed my information, and unfrozen my credit file. After resetting my account, it happened again sometime between XX/XX/XXXX through the XXXX. Experian said their is nothing they can really do if the other party involved, we will call them the attacker, knows my personal information because they can recreate my account without any form of validation if the account with the SSN attached to it already exists. 

I have explained this to the Experian representative without much incentive on their part to fix this issue. There is a flaw on how Experian accounts are created. With a victims information such as a leaked SSN, the attacker can recreate the victim 's account without first notifying the victim of such activity or promoting some form of two-factor authentication. After the attacker has access to the Experian account, they can reset security questions and unfreeze your credit file even if you placed a freeze on your account with a PIN, which was recommended by every representative. Unfortunatly, they claim that new technology allows them to no longer require a PIN if you have access to their online account. Also, once anyone good or bad has created or recreated your account, they can sign up for their XXXX plans and effectively pull all credit reports from XXXX and XXXX, leaking untold amounts of historical data that can be used to further verify security questions. 

As of now, Experian knows of this issue and only suggests create an account and actively watch your email for account notification changes, which received means the account has already been changed. There is no way to opt out of the internet service or force them to only verify account changes by mail. The only other options their fraud department recommended was to file a police report and also file a complaint with the Consumer Financial Protection Bureau. 

There is also an article that goes into further detail about this exploit here : 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 2021-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!

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 2020-07-25
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I paid off my USDA loan mortgage with servicer Flagstar Bank and they accounted for and TOOK my excess payoff proceeds of {$100.00}, directed it to my escrow account, and took more of it which was actually owed back to me, than what was actually owed for my PMI insurance, which they supposedly paid out. I have my loan documents from when I purchased the home, including my Amortization Schedule, which shows the monthly PMI amount, which does not total what they took and supposedly paid out for my PMI once my loan was paid off. I waited over an hour to speak with a manager about it and she checked with my prior servicer records from XXXX and stated that they paid out {$840.00} for the PMI for the year of XXXX and {$820.00} for XXXX, which my PMI clearly decreases each calendar year based on my amortization schedule from this home purchase, yet Flagstar Bank took {$850.00} from my escrow and payoff proceeds towards the PMI final payment. My loan documents amortization schedule clearly show that the amount for PMI for the year of XXXX totals $ 788.28.They directed my {$100.00} payoff overage and put it into my escrow account to payout more than was owed towards my annual USDA PMI and sent me a check back for a lesser amount than I am actually owed. This is FRAUD and THEFT from their former customer, me. I want my money back which Flagstar Bank STOLE from me. I spoke with the escrow and payoff departments prior to paying off my mortgage and not once did anyone say that my PMI was even going to be paid out in XXXX. Horrible staff knowledge and training and horrible customer service. I'm thankful I am done forever with Flagstar Bank and do NOT recommend them, they clearly stole money from me. Management in the escrow and payoff department did not even know how they even determine the amount owed for PMI on my USDA loan. Horrible training and knowledge. I want my money back that was stolen by Flagstar Bank.

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 2023-12-13
Company: ACQ Holdings, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I called XXXX XXXX XXXX about a XXXX collection item I had wanted to set up a payment plan to satisfy fy debt, have account removed, so I could get a car and prepare for home purchase. I REPEATEDLY TOLD THEM ABOUT HOME/VEHICLE PURCHASE. So I set up the plan and then the representative said I have another account and when she told me the amount, I said no way ... I needed to speak to the company first to validate the debt, and dispute. The representative assured me the debt was not reported to my credit bureau, but 2 days later they put it on my credit report. Why did they trick me into thinking the account was not reported, but then report after I told the rep that I had to look into things. They were very deceptive and should be reprimanded. Now I'm forced to pay {$2300.00} for both accounts. They should have been transparent.

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 2023-07-17
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I called them on XX/XX/2023, the day that the issue came up, and I've called them and, as directed by the company, reached out through the app for support almost daily ... I know it was for XXXX or XXXX days in a roll, then off and on again till again today, XX/XX/2023. The company said they couldn't verify my ID and wouldn't help with any questions regarding that situation but offered to help with any other issues but not the one at hand ... Plus, the next time I went to log into my account, it said I couldn't be verified, and it made me make a new account using the email that was already assigned to my already existing account, so now I'm not sure where or how to get access to it and my funds that are in it. On XX/XX/2023, XXXX XXXX sent me {$230.00} to pay for fireworks bought from the Fireworks stand I was in charge of as a XXXX So, with that said, at the end of the season, I had to pay out of my pocket {$230.00} for the fireworks that were purchased that weren't mine because I couldn't access the funds sent for them. The account is a ghost account. It was never officially set up or activated. This has also been brought to the company 's attention, yet they are not budging on granting access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have tried to get back on a hardship plan that had me on and have pain around {$1000.00} and have told them to put that towards the cash advances I did which were never done causing me to get charged an interest fee for it which all I ever pulled out was {$800.00} dollars worth which by me tell them to put in toward the cash advance I should be in the high {$4000.00} range but I still keep getting the max out even though I cut the credit card up so no more transaction will come out. They will not work with me on lowering my interest rate. I am struggling to pay the minimum payment with is almost {$800.00} dollars a month by them rasing so high i might have to file bankruptcy just because of on greedy credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Maximus Education, LLC dba Aidvantage
State: MS
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 borrowed around XXXX XXXX in student loans total along with the XXXX XXXX and scholarships paying the rest for my XXXX XXXX. Now I owe XXXX to just one of the companies and another XXXX and another XXXX $ and another XXXX etc they split up consolidated student loans and raised the interest to 85 % while claiming XXXX but its not. Yes I can math after all of this. So now on my credit report even though XXXX loans are delinquent, Im stated as to having revolving credit which shows I have negative XXXX XXXX bc I owe XXXX XXXX in student loans that I never took out???????? So therefore I cant get a car, a personal loan, a credit card, a job where you need good credit at a bank or finance company. Im livid and I pray you can help bc at this rate how would I ever send my XXXX XXXX XXXX to school. My XXXX is on XXXX XXXX. Im not a freaking XXXX XXXX and owe more for what exactly? They keep selling their educational loan companies. Also its always the same answer on every single credit report, which goes back to the one little recovering debt thats turned into like a bazillion loans. This isnt ethical or fair and its downright illegal whats happened

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX. XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX The Company sends me letters and phone calls. I dispute it. XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 Balance XXXX company is sueing me. I am disputing. XXXX XXXX XXXX member services XX/XX/2023 Balance XXXX Company sends letters and phone calls. I am disputingXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX The company sent me letters and phone calls. I am disputing. XXXX. XXXX XXXX XXXX, XXXX XX/XX/2023 Balance XXXX The company sent me letters and phone calls. I am disputing. XXXX. XXXX XXXX XXXX XX/XX/2023 Balance XXXX The Company Sent me letters and phone calls. I am Disputing. XXXX XXXX XX/XX/2023 Balance XXXX Company Send letters and phone calls. I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chronological history of my encounters with XXXX XXXX XXXX  which operates the following business located at : Prosper Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Prosper Marketplace, XXXX NMLS # XXXX On XXXX, I received an alert from XXXX XXXX a credit monitoring agency, that a new inquiry has appeared on my credit report that contained my identity information including my residential address. The inquiry was generated by XXXX XXXX Prosper with this phone number XXXX On XXXX, I contacted Prosper by phone and spoke with XXXX. I informed him that I have never applied for any credit or requested any funding from Prosper. He told me that yes, indeed, an account was opened using my name, my birthdate, and my address. During the conversation I was asked to provide my contact phone number and e-mail address. I was also told that they will forward this info to their Fraud Team and I will hear from them within 24-48 hours. They provided me with this confirmation number XXXX. 

Subsequent to that I spoke with a number of different individuals, XXXX, XXXX, and others, at Prosper, over several days but did not receive any appropriate response or resolution as to the status of my complaint or inquiry. At one point, I was told that the account application is NOT moving further on their end as it was possibly an incomplete application. 

To my total surprise, on XXXX, within 10 days of my first contacting them, I received a credit card from Prosper LLC. It is a XXXX from Prosper, an unsecured credit card issued by XXXX XXXX XXXX, member, FDIC. It also included instructions as to how to activate it. 

This is ENTIRELY fraudulent. The company has completely failed to act in good faith and to resolve this in a timely manner after being notified. I also strongly suspect that the company, Prosper LLC and XXXX XXXX XXXX, may be involved in opening such Fraudulent Accounts without any legitimate applications for credit from their potential clients.

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 2023-12-13
Company: Resurgent Capital Services L.P.
State: NJ
Product: Credit reporting 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 AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I have a credit card from BK OF AMER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BK OF AMER and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX reporting me XXXX  days late in XX/XX/2022. There was an error on their part. I was never XXXX  days late.

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 2023-08-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I was coerced into paying over {$1500.00} to National Credit Systems for damages on a rental manufactured home from XXXX XXXX that was naturally caused by wear and tear and negligent maintenance services. I was told about taking action but that was not an option for me due to severely limited resources. I was told by the representative also to send written letters of my case, but those letters got lost in the mail and told me email was not an option when they do in fact have email. They told me a payment plan was an option for me on to recant the next day and said it had to be paid in full. The representative I spoke to also use intimidation tactics by threatening to report on my credit for something I did not sign or agree to and may have illegally obtained my information. In the process she also accused me of acting " hostile '' when she was coercing my to pay up something that I shouldn't have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was sent funds from a family member and there was an error code XXXX claiming there was some error with the receivers information. I called into customer service after I verified with the sender the info was correct. After still having issues I called back into customer service after I was told to call back with the sender with me on the line. I was on the phone for almost twenty minutes when the rep told me something that made no sense which was that my mother had sent too much money or that I had received too much money and thats why the transaction wasnt going through after knowing that was not a factor since I had not received funds in months I asked to speak to a supervisor. The supervisor got on the phone very nasty, unprofessional and rude and wanted to demonstrate his incompetence by immediately saying he would not speak on a conference call. When I informed him we were already on a conference call with the previous agent for over 15 minutes he began to raise his voice to over talk me and say " you have 5 seconds to hang up the call or I will. '' Then the half bad english speaking " supervisor '' hung up on me and my mother. When calling back to customer service I was placed on endless holds and refused to be transferred to a supervisor. After the third attempt I finally got a supervisor who alleged he had no way of finding the name of the supervisor and that they would review the call history. I spent over an hour going back and for and on hold with western union.

Company response to consumer: Closed with explanation