BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2021-01-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to refinancing my home since 1 year ago because the interest is too high % 5.75 is killing me, The refinance institutions have been rejecting me and I did not know why. I recently learned that it was because my lender, Specialized loan Services is reporting my payments incorrectly and irresponsibly. This has been costing me thousands of dollars because the interest is extremely high and outrageous.

My main concerns also include that my loan was sold to, apparently 2 different banks without my knowledge, and somehow my payments were lost in the process. I have no track record of almost {$60000.00} of payments that I have made. According to specialized services, they can not report new accounts for 90 days. If this is true, I understand but at some point that money has to go somewhere. They are saying that they have no record of this, but I have proof of payments. 

I also recently learned today, XX/XX/XXXX that my loan was sold to a company named XXXX in XXXX. I had absolutely no knowledge of this. I feel that they are taking advantage of the situation and it is affecting me in the sense that I can not refinance. I keep getting rejected, and it seems that this is the reason. 

Because of them, I have been spending thousands of dollars on pure interest because of incorrect reporting. This is not fair to me in any way, especially during and economic crisis. I need this resolved now and I need to know where all of money has been applied to. If they can not show me this in detail, I need my money back because that would be theft. 

thank you.

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 2022-08-11
Company: Avant Holding Company, Inc.
State: TX
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:
There was a charge on my card I did not make, I called and disputed it immediately, and they replaced the card and eventually it was taken off and I received a letter to call and speak with someone about it, I tried calling multiple times over and over and all I could do was leave this person a message and never received a call back from him, then just like that they put the charge back on my card, I immediately locked the card, I have not used it at all since the fraud happened it has been in a safe locked up, I called again and the lady I spook with said I would be responsible for the charge I did not make and would have to pay it. I told her to deactivate my card and cancel the account with no avail, it still did not happen. This company will not help you at all with fraud or cancelling an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Statewide Credit Services Corp.
State: CT
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear CFPB, I am writing to address several significant concerns related to the actions of a debt collection agency, Schwartz , Schwartz & Associates ( LIC. # XXXX ), and their handling of a debt purportedly owed to XXXX XXXX XXXX XXXX XXXX 

Failure to Verify Debt : I filed a dispute regarding the debt on XX/XX/, providing comprehensive details, including evidence of my dispute, and requesting the debt be verified. To date, I have not received any response or verification of the debt from the debt collection agency. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which provides me with the right to have the debt verified. I have attached a copy of my initial dispute letter and evidence for your reference. 

Continued Attempts to Collect Disputed Debt : Despite my dispute, and even after submitting the dispute to Schwartz , Schwartz & Associates, the agency has continued its attempts to collect the disputed debt. This is a blatant violation of the FDCPA. The debt remains in dispute, and I have clearly requested that all collection efforts cease until the dispute is properly addressed. 

Communication After Request to Cease : I sent a cease and desist letter to Schwartz , Schwartz & Associates, instructing them to cease all further communications. The letter was received on XX/XX/XXXX ( USPS Tracking number XXXX ) and proof of delivery attached. 
Unfortunately, the agency has ignored my request and continued to contact me regarding the disputed debt. This ongoing communication is not only in direct violation of the FDCPA but is also causing significant distress. 

I am deeply concerned about these violations of my rights as a consumer, as outlined in the FDCPA. I respectfully request that the CFPB investigate these violations and take appropriate actions against the debt collection agency, Schwartz , Schwartz & Associates, to ensure they comply with federal laws and cease their unlawful collection attempts. 

Enclosed, please find the supporting documentation related to my complaint, including copies of my dispute letter, the cease and desist letter, and any correspondence from the debt collection agency that demonstrates the violations I have described. 

I appreciate your prompt attention to this matter and your efforts to safeguard consumer rights. Please feel free to contact me if you require any further information or clarification regarding this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a false collection on my credit report from a debt collection scam company called Credit Collection Srvs services for {$740.00} that they claim is for a company called XXXX. It is a fraudulent debt. I have never heard of XXXX. I have never utilized a service by XXXX. I have never contacted XXXX. I have never received a bill, invoice, contract, agreement or service from XXXX. I have not received a phone call or have had any interaction or engagement with XXXX or Credit Collection Srvs. I have not initiated contact with this company. I have not visited any facility that is owned by this company. I have not used a product from this company. I have not had any interaction with this company or any tangentially affiliated company with XXXX. I have never been billed by this company. I have never had a contract with this company. I have never been issued an invoice or agreement by this company. I have never received a single service at all from this company or their debt collector, who is claiming I owe {$740.00}. 

Within 24 hours of sending this false / fraudulent debt, to XXXX, Credit Collection Services closed the claim immediately, as settled, I suppose because I would dispute the claim. I googled what this meant when a bill collection settles a debt : The reason the company closed the fraudulent debt is because a debt closed by a debt collector remains on a person 's credit report for 10 years. I do not believe that this scam attack was an actual attempt to collect a legitimate debt. The company knowingly did this to leave a blemish on my credit report for 10 years, that's why they closed it within 24 hours of filing the fraudulent debt. XXXX immediately removed the fraudulent debt so no action on my part was necessary. However, I am filing complaints at every government agency to bring awareness to this scam and to ensure that consumers are protected from bad actors. I also filing until I am made whole again after this attack on my credit for a debt I did not owe. I don't know why I was targeted, but I will not be harassed by a debt collector to whom I do not owe money for a company I never heard of, for a debt that did not belong to me in the first place. I will be filing a congressional complaint in order to open a full investigation into this debt collector and their fraudulent actions. I am not familiar with XXXX and I did not engage in any transaction or service from this company or Credit Collection Services on any date past or present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was considering to close one of my accounts with American Express, so I made a call to customer service on XX/XX/XXXX. When the customer service representative was reading the disclosure before finally canceling the account, I suddenly lost connection to the call due to the poor network connection. I thought the process of account closure would not be completed, as they would need to finally ask for my approval after the disclosure. I also changed my mind, and decided to keep the account open until XXXX 2020 when the annual fee is due. 

However, I was very surprised to see my account closed on the next day, therefore I immediately called customer service. An agent and a supervisor named XXXX both advised that the account would be reinstated, and the supervisor offered XXXX rewards points as compensation for inconvenience. The supervisor also advised that she was working with other departments to try to get the card delivered to me as soon as possible. 

On XX/XX/XXXX, I realized that the account was not reinstated as promised, when I was trying to add the card to my online account via online chat. I then called customer service again, and was advised that the previous request for account reinstatement was declined due to my recent FICO score being around XXXX, which is not bad though. As such, I submitted an internal complaint to American Express, since there would not have been such a problem if they did not close the account without my final approval. 

I then called the department related to the specific card type, and was advised by a supervisor named XXXX that technically they would not be able to reinstate it at all, since this type of card is no longer open for applications. I then realized that the previous agent and supervisor gave me wrong information, which caused extreme confusion and frustration and should not happen. XXXX offered XXXX rewards points as compensation. I mentioned that last time the supervisor also offered the same, but I had not received it. XXXX responded that there was not such a note in the system, therefore they would not honor it. She also refused to acknoledge the existence of promise for compensation in my previous conversation with XXXX. 

In the end, they would not reinstate my account, which was closed due to their mistake, and refused to honor the compensation as promised. I have spent two hours in phone calls regarding this problem and got extremely frustrated, and also lost my account which has been open for three years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Synovus Bank
State: CA
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:
I have a list of companies that have run inquiries on my name that i did not authorize nor have no knowledge of until. I am a victim of identity theft and have rights as a consumer. I have docs to provide the status of being identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
SPS servicing will NOT allow me to pay my mortgage because my son filed bankruptcy using my address. For one, he is not even on my deed, and two he doesnt even live at my house. He moved 6 years ago. I have been paying on my house for 25 years and this is just ridiculous. They will not tell me how I can pay my payment or what I need to do. I have spoken to a couple different attorneys including my sons bankruptcy attorney and they have said that SPS can not do this even if my son did live with me. The bankruptcy attorney doesnt even know how they would even know about my sons bankruptcy since he is not even on the mortgage. These guys just want to take my house because it is close to payoff. In 25 years, I have never experienced anything like I have with these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 made multiple complaints against XXXX because they are just not right. It is reflected in the attached letter from XXXX ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, XXXX didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but XXXX simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and XXXX protects someone who has nothing to do with the card and stealing.????????? The XXXX debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.

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 2021-01-15
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX, I ordered what I believe to be XXXX XXXX merchandise from a company called Support-Biden through XXXX which is connected to my American Express XXXX AMEX XXXX Serve card in the amount of {$64.00}. This company fraudulently portrayed itself as XXXX so I thought I was purchasing merchandise that was supporting the XXXX campaign but in actuality this company is located in XXXX and none of the money goes to the XXXX campaign. Upon learning that this was not going towards the support of the XXXX campaign, I filed a dispute with XXXX and sent email to company on XX/XX/XXXX, demanding that they cancel order and refund my money. They referred me back to XXXX. XXXX stated that since I filed a dispute with Amex, they could not investigate. Amex denied thr claim. However, since I never received the merchandise, I filed a second dispute with Amex on XX/XX/XXXX for not receiving merchandise. On XX/XX/XXXX, I received an email from Amex requesting more information, I provided requested information on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Amex, that my dispute had been denied. To date, I have not received the merchandise and when I click on the tracking number XXXX it says XXXX, CA, Delivered, Left with Individual. Only XXXX people live here and thats me and my XXXX old mom who does not answer the door. No package was left with either of us. On XX/XX/XXXX, I sent email to the company advising them that I have not received the merchandise nor a refund. I received an auto response referring me back to XXXX. It should be noted that XXXX has a long history of providing a platform for these fraudulent and trademark-infringing companies to operate and defraud thousands of honest hardworking Americans while XXXX looks the other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Capital One between XX/XX/2021 and XX/XX/2021 ( First statement dates ). Consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash however, Capital One has coerced me into paying cash in addition to the finance charge. Finance charge is all suppose o include additional fees and interest which Capital One is charging seperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express is reporting erroneous items on my credit report. The items do not belong to me. I have requested for American Express to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to American Express under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and American Express refuses to comply with Section 609 FCRA. American Express DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. American Express is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. American Express is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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