BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email on XXXX XXXX XXXX  from AMEX, that I perceive as an attempt at extortion ( asking for money in return for avoiding an adverse action -credit limit reduction ). Please see following, relevant paragraph from email : What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction. 

What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$950.00} within three days of receiving this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away in XXXX of 2014 and XXXX XXXXXXXX was foreclosing on the home while I was in Probate and was refinancing the home with another company. XXXX XXXXXXXX XXXX in my opinion.

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 2018-03-14
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: Account status incorrect

Complaint:
There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from 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 2018-03-14
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am XXXX and this is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: LA
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:
I have been sending dispute letters to Equifax for the last six months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from Equifax, almost seems like they're throwing my letters away. There has been zero response, I will attach my last five letters sent to Equifax to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: National Credit Systems,Inc.
State: NC
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:
A collection of {$2100.00} shows on my credit report is incorrect and false information. Preventing me from housing and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: UT
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:
Equifax received police reports and were requested to not use the XXXXXXXX  system system that converts disputes to numeric codes instead of actually sending physical documentation to the debt collectors which I don't know how this is legal as the FRCA states investigation have to be 100 % veritable and 100 % accurate. Not 65 %, 75 %, 45 % accurate which seem to be a violations. The detective on my police report stated the police report is the final permanent record for me to file my credit reporting disputes. The negative accounts continue to be verified and the police reports are self explanatory of the identity theft and fraud. 


Police Reports REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: NY
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:
My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX Equifax and XXXX  about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX/XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX is suggesting I owe student debt. The debt is from a private loan from Union Bank. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a Junior College and I paid out of pocket. I explained to the customer service representative that these two accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, XXXX bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. XXXX is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.

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 2023-06-06
Company: VANDYK MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, a hard inquiry to my credit report was made by XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized by me. 
I had not been in contact with this company before. 
After researching the inquiry, I have contacted the company on XX/XX/XXXX and asked them to revert the inquiry. 

They have not responded. They have not reversed the inquiry.

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 2021-05-04
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received an email from a company called MSB Municipal Service Bureau out of XXXX Texas when I called the number they said they couldn't provide any information and they were connecting me to a licensed rep in Arizona. 
1. You don't need to be licensed in AZ to collect a debt.

I looked up the company and it says they are a scam every since my Banroptcy was discharged I've been getting emails and phone calls from this company never providing any information about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to cash my payroll check through Chime XXXX XXXX. The company apparently has no ability to view prior chats with different agents. XXXX # XXXX, XXXX assured me my check would be cleared within the day at XXXX. Email at XXXX XXXX  Says check rejected. XXXX # XXXX, XXXX, at XXXX XXXX claims my XXXX XXXX feature is turned off and that I need to go to a check cashing place and then deposit the cash into my account by paying a fee. Cue phonecall # XXXX. XXXX XXXX on the phone claims that they need my paystub to " verify my income '' and I send that over and he claims it may take over 2 days to respond to my email so I escalate the call to a supervisor " XXXX '' who then claims that the prior agent was wrong and they didn't need anything they just won't cash my check for me, they " reserve the right '' to not accept it. 

I sent over all my personal information on a paystub for them to " verify '' how do I know my identify is even safe now if different agents can just pick at will what they're able to request from me even.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported. 
2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights. 
3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting. 

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.

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 2023-06-06
Company: Experian Information Solutions Inc.
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:
I am currently living in XXXX XXXX and on several occasions, I have requested a credit report from all three credit reporting companies. Since my address is overseas, the credit reporting agencies will not change my address from the old XXXX XXXX, XXXX XXXX, XXXX AP XXXX. My current address is XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Can you require all three agencies to send the credit report requested to the XXXX residence above? If you required, I will provide you with my SSN Thank You 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 2020-11-12
Company: EQUIFAX, INC.
State: GA
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:
In XXXX and XXXX of 2020, I filed a dispute with Equifax credit bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX and XXXX XXXX account # XXXX. In those2 Months I have asked numerous times for a response and I have not received anything in response from this bureau in over 45 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act convergent Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I lost a significant amount of money to a building contractor after which time I lost my job and had to file for bankruptcy. I needed to continue to work and needed a new car to make a daily out of state commute to work to pay off my bankruptcy ( I had no consumer debt, just had gotten behind on my mortgage -- I have never had any debt ). Santander Bank offered me a bank loan at a rate of 24 % which required I work 2-3 jobs to cover. At the time I took out the loan I told the car dealer that I would prefer to buy several junk cars if they wouldn't refinance the loan after I paid off my bankruptcy which I did working days/nights/weekends for 5 years. They told me they would. I reiterated that the car would have high mileage from my commute and constant work schedule and asked them to qualify again that they would. I was told yes. When my bankruptcy was paid off and I requested the refi, I was told they didn't refinance. The car cost {$14000.00} and after 5 years I still owed over $ XXXX. I went to other lenders but they all told me the mileage was too high. The car was repossessed in the middle of the night. 

I am XXXX, have worked for 45 years and have never had any kind of debt to warrant such a high interest rate it seems to me. I can not get to work without a car. I spoke to a representative at Santander who told me that they were well within their limits to ask for 24 % which I agreed had not been misrepresented, just the refinancing of such an outrageous amount of money. A class action lawsuit in the state of Massachusetts has successfully sued them and I am asking for my debt to this company to be dismissed and have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CHALLENGE FINANCIAL SERVICES
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:
Dear Credit Bureau ( XXXX, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

[ challange financial services XXXX ] Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX SSC : XXXX XXXX has failed 3 times to produce the original contract of this debt I have upload the original contract that I hold in my possession that proves I have no account with this finance company its theft and indemnity fraud I want that deleted from the credit report with in. 24 hrs or Ill have to use legal actions against XXXX and challamge finacial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint against rent recovery solutions. I have been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I've worked really hard to improve my credit and I now require full validation on all claims. I reached out Rent recovery over 2mths ago for validation I then sent another letter with a return confirmation. Attached is my validation letter I sent them back in XX/XX/2021 along with receipt for mailing the letter, confirmation that the received the letter. They have gone over 30days without response to my inquiries and validation. I request that this debt be removed from my records and reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 received a paper notice that a new card was issued in my name by Bank of America, that I never ordered. Then I received another letter about a second card issued in my name by BOA and then when I spoke with their fraud team, they found a third card issued in my name from BOA! all three cards were issued within a month period to my knowledge. Their department should have realized this was fraud if not from one card then especiallly after XXXX cards were issued!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: MUFG AMERICAS HOLDINGS CORPORATION
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 received my credit card statement on XX/XX/XXXX and it had a fraudulent charge that I did not make. My card had a zero balance prior to this charge & I had not used the card in quite some time. I contacted Union Bank immediately & reported the the fraudulent charge. Their customer service center told me they would take care of it they closed my account and issued a new card with a new number. A month later I got my next statement and the fraudulent charge was still on my account plus I had been charged late fees and interest charges. I called Union bank again on XX/XX/XXXX - the customer service rep I spoke to told me she saw the record of my prior call but the person I spoke to didn't flag the charge as fraud like she was supposed to. The rep I spoke to on XX/XX/XXXX flagged the fraudulent charge as a fraud charge and credited the late fee and interest charged on my XXXX statement. A few days later I started getting collection calls from Union bank. I called again on XX/XX/XXXX and spoke to the collection dept. The collection agent said she would take care of it. The collection calls stopped after that but I am still receiving collection letters regarding the past due balance ( late fees & interest that they keep charging me because of the fraudulent charge they wont take care of ). I called again on XX/XX/XXXX and spoke to the collection dept ( my calls are automatically routed to them when I call ). They are the only dept that speaks clear english. The collection agent apologized and said she understood my frustration but the customer service department was the only department that could help me so she transferred me over to them again. The customer service center is outsourced to another country. I have a hard time understanding them & they are not doing anything to resolve this matter even though they tell me they will take care of it every time I call. I dont know what else to do at this point because I cant speak to anyone who is willing to actually fix this issue. When I spoke to them on XX/XX/XXXX I told them I want to get this resolved & I want to close my account. I have never had such horrible service from a bank in my life & will never do business with them again. I hope you can assist me with resolving this matter and getting my account closed to prevent this from happening again.

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 monetary relief
Consumer complaint received 2023-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have account with HSBC bank in XXXX My mom dad and transfer money from XXXX for my maintenance. After that bank freeze my account and I cant use the money from my account. 
Please let me know how long it will take to reopen my account. 
My bank send me this We are unable to process any transactions or requests as the bank is currently complying with its XXXX statutory requirements and the bank will be in touch in due course. Timescales are not available at this time.

Company response to consumer: Closed with explanation