BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Transunion, XXXX 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 30 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 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 2022-08-28
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hi, XXXX passed away in 2014, submitted documentation of what was requested The deed states that is is joint tendency and the mortgage company does not want to accept me name as the owner, but I, XXXX XXXX, wife of deceased spouse name is also listed on the Deed. They are asking that I sign a family transfer packet, but why would I need to sign that, when my name is already on the Deed. The mortgage company is still sending mail to the Estate of XXXX XXXX, when in fact it should now come to me. I have been waiting for 7 years to get this matter resolved and an overage escrow check is being held up because it was in the estate of XXXX XXXX and they will not issue the check in my name. I would really like to get this matter resolved ASAP. 

Mortgage Company is XXXX/PHH.

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 2023-03-21
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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$250.00} XX/XX/2022, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, 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 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I receive American Express gift cards from my boss as a holiday gift every year and I don't know what happened, but this year it became problematic to use the card. I've searched and searched online for an answer on what I could be doing wrong and it seems like a lot of other people are facing this issue and I've read its mostly due to fraud protection. This feels like a great problem for American Express because now they have an added income stream of essentially free money. Most people aren't going to complain to whoever gave them the gift and instead will just never use it. What really saddens me is that I will probably be receiving another large gift card in a few months and it will be unusable. This almost feels like a class action lawsuit is brewing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Text and email from Citibank on XX/XX/20 regarding fraudulent debit transaction for {$71.00} from XXXX XXXX NY. Immediately called and disputed this debit. I live in California, have never been to NY, nor have I allowed anyone to use this debit card. I know no one in NY. Ny was in a total shutdown due to covid-19 at this time. During the same time period, I had XXXX in fraudulent charges from Connecticut that Citibank reversed. I never received a letter from Citibank that the charges were found in the merchants favor and have requested twice. They will not give me any info as to their findings and on XX/XX/20 was told to file an appeal. This was done via fax and hardcopy letter to the investigation division in XXXX XXXX SD on XX/XX/20. The bank has said letter in their possession and was told XX/XX/20 that an email is the only recourse, internally, would be sent by a fraud supervisor XXXX, to advise of the current lack of info not being sent to us. Was advised going into a branch is useless. There was a provisional credit applied for {$81.00}, why the amount changed is still unclear, and then XX/XX/20 the bank reversed this credit and a debit applied. I have been working on this for 5 months and need assistance as XXXX stated they can not assist as each location is a franchise. A corresponding # attached to the transaction on our checking account, a five digit #, does not match XXXX 's database to ascertain the exact location in XXXX NY. Citibank told me they have no idea what the number means. Any assistance would be greatly appreciated as the legal resolve is still uncertain in time limits.

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 2023-03-24
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from the Lowes XXXX store. The clerk told me if I signed up for a Lowes credit card I would receive and additional 10 % discount. The clerk had a great deal of problems getting me signed up for the account. I pulled out my XXXX card and swipe it thinking the charge was being placed on my XXXX card. The charge was actually on the Lowes account. I found this out after reviewing my XXXX charges. I called Synchrony bank and they reversed the charge pending a review. In the mean time I discover my error and called them back informing them that the charge was mine. They placed the amount back on my account. I then paid the amount due on line. They stated they could not find the payment. So I sent them a copy of my bank statement which they did not accept. After numerous phone calls and support faxed to them they still as of this date have not resolved the issue. They lost the item I returned for credit, I supplied them with a letter from XXXX  XXXX XXXX stating the monies did come out of my account, it went to Synchrony for the net amount of the purchase. As of today Synchrony still show the incorrect amount ( {$690.00} ), they can not locate the payment ( even though my bank assures me the information they supplied is enough information to trace the payment as they gave me Synchrony bank reference number ). 
In Synchrony documentation they state they will accept a letter from the bank. I do not work for them and I can not control their accounting department. I have supplied the support they asked for to resolve the issue.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2023-07-06
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received this bill from a bank I have no record of dealing with. 

And apparently, I have a past due to an unknown. 

Can you assist? 

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 2023-09-10
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet recently acquired my student loans. I applied and was approved for the SAVE program, with {$0.00} income due to being recently laid off. Under the SAVE program, I am entitled to {$0.00} payments, with no interest accrual, until the next re-certification period. Nelnet has sent an email on XX/XX/23, encouraging borrowers to make payments to avoid the accrual of interest. This is misleading and deceptive marketing and advertising, quite literally untrue, and creates pressure on the borrower, despite the fact that interest is not actually accruing. Other financial institutions would be penalized for such behavior and student loan issuers should be held similarly accountable. I implore the CFPB work with Nelnet to improve their marketing compliance program, and prohibit their predatory marketing tactics. Given the lack of traditional consumer protections surrounding student loans, consumers deserve straight forward information regarding their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good evening, ARS is reporting a medical account on my credit that I do not owe. I reached out to them on several occasions most recently on XX/XX/2020 and XX/XX/2020. I requested a HIPPA release, detailed bill of the services rendered and statements showing explanation of amount that include what was covered by insurance. On XX/XX/2020, ARS sent me a letter simply saying they " verified '' the debt. They did not send me any documents proving how they verified it. They simply stated the account number and amount they claim. I have reached out to my insurance and no claims have been filed that insurance has not covered 100 %. ARS is reporting a debt I do not owe. I am requesting they cease their collection and delete this account from all credit reporting agencies.

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 2023-08-29
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I discovered a fraudulent application for a credit card with Synchrony Bank / Amazon had been submitted in my name on XX/XX/2023. I first contacted Synchrony Bank XXXX Amazon on XX/XX/2023 in order to dispute this application since I did not apply for any new credit at this time. I was told that there was only one application submitted and that Synchrony Bank / Amazon, which was denied. I was told that, " per process, '' the details of my dispute would be forwarded to the credit reporting agency and that it takes between 30 and 60 days before I would see an changes or a resolution. I was also told I would receive a letter in the mail that contained summary information regarding my case. I received nothing in the mail, and, upon waiting the 30-60 days, I contacted XXXX who stated they had not received any information from Synchrony Bank / Amazon regarding my dispute. I contacted Synchrony Bank / Amazon fraud department again on XX/XX/2023, where I received the same information from my previous call, waited the 30-60 days, contacted XXXX, and again was told they hadn't received anything. I just contacted Synchrony Bank XXXX Amazon again today ( XX/XX/2023 ) and was surprised to learn that there were not just one, but THREE fraudulent applications submitted in my name, and that only ONE of the three were reported to XXXX from my first inquiry in XXXX. The agent took action to report the other two fraudulent applications to the credit reporting agency while I was on the phone. I asked this agent for written verification stating what actions had been taken up to this point and he refused to provide such documentation stating that per their policy they can not provide this documentation because these were " only applications, which were denied '' and that they could only provide written documentation if I were an actual account holder. XXXX has stated on multiple phone calls that they are unable to remove the inquiry from my report until they have received the proper evidence from the card issuer, which I am unable to provide since Synchrony Bank / Amazon refuses, and instead insists that they are taking care of it.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

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 2018-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is not enough information that this debt is mine, I have already disputed 2 times and Portfolio Recovery Associates can not fully verify this debt with a signature which makes it invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
American Profit Recovery said my credit score would be damaged forever if I refused to pay this collection account debt to them. The service for these charges was never authorized by myself and were disputed directly with the original creditor. Ive never provided my social security number to the original creditor or American Profit Recovery, but they somehow obtained it and misused it to report a collection account debt for unauthorized charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I attempted to make a purchase on XXXX. On the XXXX of XXXXThe payment was denied. 

As a result, I called " CHASE United mileage plus select '' VISA. 
I was told my account was locked. I asked them why and they said they would send a code to my phone. I gave them the number and they said they could not send a code to a number in XXXX. ( I have lived here for 12 years and they were aware of it. ) They said I should call the security center, and they could send me an email with the code. I called the " security '' department and explained what happened. They said they were unable to send a code to my email. After some time, they said they could ask me some personal questions and if I was able to answer correctly they would proceed with unlocking my account. 
After they asked me the questions, of which I only recognized one, I was told I had failed the questions. 

They told me they would forward my issue to a higher department and I would recieve a " CALL '' within the next 48 hours and to keep my line open! Remember, they told me they could " not call my number in XXXX! '' I would just get another credit card in the U.S, but I currently do not have a U.S. address. I got the VISA when I lived in the U.S. 

I have other issues with this card, but I will address them on future emails to you. At present I just need to have my card unlocked. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been requesting from LEXIS NEXIS a copy of my Consumer Disclosure Report, to NO avail, whatsoever. I have attempted to obtain it via regular mail and certified letter with confirmation, return receipt. However, I have never obtained the report, despite incurring costs to make copies, pay for postage, travel to and from the United States Postal Service Station. Not only that, when my letters failed to generate a response from the company ; I even phoned them, only for them to request the same identification that I'd sent along with my mailed letters. Thus, I complied with the request that I was given via phone only to not even receive any report to download ( as I was told that I would be supplied with a copy for download ), once my information was " verified. '' And that I could call back in 45 minutes after uploading the documents to be given a code to obtain the download. Well, once I called back, I was told my email with the credentials to download the report would be forthcoming. However, that did not happen. 

I am seeking help to finally be able to obtain my Consumer Disclosure Report from Lexis Nexis. ***** PLEASE SEE ATTACHED COMMUNICATION from XX/XX/2023 ***** confirming that they received my " Communication '' which was my uploaded Texas DL and Social Security card, again ( which was what they requested during my phone call ) and instructed me to follow the directions in the email. This was my 3RD ATTEMPT, in 2 years trying to obtain my Consumer Disclosure Report from Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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