BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: TRANSWORLD SYSTEMS INC
State: PA
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:
The  Company,  TransWorld Systems Inc, has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  TransWord Systems  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  TransWorld,  the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They spam call me non stop in spurts, making my phone unusable. I do not owe them anything and am not giving them more information to harass me with. Its been going on for years. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX -- -- these calls on XX/XX/XXXX made me miss important other calls XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH XXXX MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM XXXX TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM XXXX MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!

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 2023-10-16
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Bank of America in XXXX received a transaction I mailed to them per their request. On XX/XX/XXXX, Bank of America in XXXX sent via XXXX, a mailer with my transaction that I had sent to Bank of America in XXXX on XX/XX/XXXX. This XXXX package, addressed to me, was routed to XXXX XXXX XXXX XXXX in XXXX, XXXX My transaction had nothing whatsoever to do with XXXX XXXX XXXX XXXX. My XXXX  package was received in XXXX on XX/XX/XXXX at XXXX XXXX.. At XXXX XXXX., my package was delivered to my mailbox in XXXX XXXX XXXX XXXX XXXX approximately 5 miles away. Tracking is available to show that the two shipment labels were made concurrently ; one from XXXX, and one from XXXX, XXXX The package that was received by XXXX XXXX XXXX had my transaction in it from Bank of America that included a negotiable instrument of {>= $1,000,000}. This negotiable instrument is treated as a cash item by the XXXX XXXX XXXX, and may be sent as an offset via a facsimile or photocopy of the original instrument per XXXX XXXX XXXX  XXXX number XXXX. I spoke with the manager at XXXX XXXX XXXX in XXXX XXXX  who informed me that their branch works regularly with the Bank of America Branch in XXXX, XXXX where my checking account is located. There is already an investigation of the original transaction ongoing. # XXXX that I submitted on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Consumer Portfolio Services, Inc.
State: VA
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:
I was told that once I returned the equipment in the same condition as I got them since I had finished out my 2 year contract my account would be cleared and the bill will be at {$0.00}. I returned all the equipment, then my account was sent to the XXXX/XXXX  collection department for the amount of {$910.00}. I can not be billed for the time that I was not using your services. I called to dispute and I called and called and called and the number provided you will wait for a long period of time and then it would hang up. I called customer service and was given another number and you would waits hours and no one would pick up. I advised customer service and a note should have been added but no one returned my call. Instead of contacting me to resolve the discrepancy your company does not call or send me a letter to my address to discuss the issue at hand. They then sold the account/debt to a collection agencies. Who harass me from XXXX XXXX  - sometimes XXXX XXXX  even on weekends for a debt that I am not liable for. I would really hope we can resolve this matter ASAP. 
I have spoken to an attorney to help me dispute the debt on my credit report since it is affecting me. A few of my credit cards lowered my credit limit and one closed my account even though I have perfect credit history and I paid the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I sent 2 payments XX/XX/19 ( {$180.00} ) and XX/XX/19 XXXX {$740.00} ) via Bank of America XXXX to a phone number but it was incorrect by one digit. I contacted Bank of America as I discovered the person I meant to send the money to never did and made a claim with Bank of America. 

They contacted the party who received the money incorrectly ( who is also a Bank of America client ) and they are refusing to refund the money that was incorrectly transferred to them. My bank says they cant credit his account or do anything for me.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2017-05-08
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
on  XXXX   XXXX    XXXX   at    XXXX   XXXX    I was doing what i all ways do every  XXXX  of the month and that 's pay my bills but this time things did not go according to plan the first time i went to pay my rent the trans action would not go threw it kept saying to check with the card holder for more information so I called Direct Express to see what was going on with my card i was told by their customer service rep that a with drawl of {$300.00} and {$500.00} was made from my account on mat  XXXX    XXXX   at  XXXX    XXXX   from a   XXXX   XXXX   XXXX   florida using a du plicate card i was then told to file for a investigation two wa ys the first way was to write down the  XXXX   XXXX   and h and write a letter explaining what happened also put the case no on the letter and sign it so i did that the same day  XXXX  at my local post office i received a tracking number it got there on  XXXX  i was told by a level  XXXX  rep the second way was i could wai t 3 to 5 bus iness day for them to send me the info well on the fourth business day i decided to give them a call about the letter and i was told to wait until the fifth business which is the day that i decide to take further action on  XXXX  i was told when i asked about my handwritten letter that they had never received it and the he did'nt see any information on my hand written letter but on  XXXX  a level  XXXX  agent said that everything was good to go. another thing i experienced was long waiting up to 1 hour i just have to keep calling and calling. a level  XXXX  agent is hard to get on the phone and when i do the are very impatient and disrespectful this is a very untrustworthy bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a false charge for {$100.00} on my American Express card from XXXX. I disputed the charge and the dispute was resolved in my favor ( see attachment 1 ). XXXX responded by simply re-charging the amount to my credit card, which is against the terms of their merchant agreement with American Express. I put this new amount into dispute. American Express responded by conducting a XXXX mouse fake enquiry, contrary to the requirements of the Fair Credit Billing Act 1974 and recharging my card the {$100.00} it had already found in my favor. This is wrong on a whole host of levels ... and exposes the American Express disputes investigation process for what it truly is - a great sham. 

1. How can Amex resolve this second charge against me when they have already found this exact charge for me in an earlier dispute?

2. The Fair Credit Billing Act requires Amex to " conduct an investigation yourself and that you set forth the reasons why you believe my account was correctly shown ''. The Act also states : " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. 
3. Amex did NOT conduct a legitimate enquiry- they simply sent a computer generated, unsigned " receipt '' which provides no details of what the charge was supposedly for. Amex also did NOT satisfy itself that the goods or services were actually provided, contary to the requirements of the Act 4. In my dispute letter ( attached ) I pointed out these requirements. They were ignored, even though I had spelled out their responsibility in my dispute letter to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA loan with  US Bank Home  Mortgage that was opened  XXXX   XXXX ,   XXXX  . I was told after 5 years/20 % I would no longer have to  pay PMI. I periodically inquired to determine if I had reached that mark. I received a letter from US Bank well over a year ago stating I still had to pay this. I inquired again about a week and a half ago about whether I had reached the mark to not have to pay PMI anymore. I was told I would receive a letter. I received a letter today that stated my loan met requirements under HUD for termination of PHI. I then called US Bank to determine the exact date these requirements were met.   XXXX   told me that I should have stopped with the PMI payments two years ago. I was never informed. I am requesting that I be refund ed any money that I paid toward PMI from the point I met the criteria.

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 2023-02-01
Company: Mr. Cooper Group Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house was flooded in XXXXXXXX XXXX during hurricane XXXX. XXXX paid out my flood insurance claim, in two installments for XXXX and XXXX. I received the first check in mid XXXX and have applied all of it on work on the house. I received the second check on XX/XX/XXXX and forwarded it to MR COOPER for their endorsement. As of today XXXX XXXX, they have refused to disperse any of the funds. They required an inspection which I complied with on XXXX XXXX. They have never contacted me and I have to contact them when I have questions. The website shows the inspection was cancelled and they don't seem to be to update their system. I did talk to someone who acknowledged the inspection was completed but stated " only 12 % of the reconstruction was completed and will not give me any funds until 25 % of the reconstruction has been completed ''. When the walls were opened up for reclamation structural damage was found and had to be repaired before reconstruction could continue. I received an invoice for XXXX due on XX/XX/XXXX and MR COOPER will not pay it. I have been forced to apply for a second mortgage to pay my XXXX. I feel MR COOPER is intentionally with holding funds for a nefarious purpose because the insurance money has all gone toward restoring my house ( which I obviously can't live in ) and there is no justifiable reason for not releasing the insurance money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have ( 2 ) monthly reacurring charges from XXXX XXXX University ( XXXX ) in the amount of {$25.00} and XXXX XXXX in the amount of {$17.00}. On XX/XX/2018 the charge for {$25.00} from XXXX XXXX University posted to the account making the account negative - {$23.00}. I made a deposit to my account in the amount of {$50.00} on XX/XX/2018 at XXXX CST at a PNC ATM at XXXX XXXX XXXX XXXX, IL and found it strange that the {$50.00} didnt become available in my account immediately. I didnt think anything of it at the time because I normally dont have any issues with making deposits at the ATM. The next day I checked my account and noticed I was charged a {$36.00} NSF ( Returned Item Fee ). I reached out to PNC and expressed my concern in a very professional manner and explained to not only 1 representative but 2 and not only 1 supervisor but 2 that I made the deposit to secure the funds in my account and cover the {$25.00} charge on the same day the charge posted to my  account and was still charged a {$36.00} NSF fee larger than then my actual charge of {$25.00}. 
I think thats highway robbery and shouldnt be legal and very unfair to your customers and a bad business practice. Not only did I deposit the funds the same day and still got a fee I experienced horrible customer service ... .from 2 supervisors on your Money Management Team and only 1 representative I spoke with named XXXX was empathetic, friendly and understanding. I appreciated that because the 2 supervisors were in my opinion dry, very condescending, unprofessional and not empathetic at all to my situation and never tried to resolve the simple issue but, they represent PNC in a management position ... thats horrible and disappointing. Instead of amicably resolving the issue your ( 2 ) managers quickly shut down any option to resolve or descalate the issue but instead provided contact information to file a compliant and stated they were the highest level and refused any other assistance .... thats horrible customer service from management level ... and to say it was not a bank error and the deposit was made 11 minutes after cutoff so, unfortunately me being a customer with PNC doesnt matter and a courtesy couldnt be extended. 
This fee has caused a snowball effect causing not only for me to pay a fee to PNC but, to pay a fee to XXXX XXXX University because the {$25.00} was returned although I made a deposit to my account to cover the funds in my account. I am contemplating closing my account because this was a very disappointing and horrible experience and Im very shocked at the way your selection of management handled this situation. Instead of making things right and showing value to your customer they handled it in a very unprofessional manner and caused your customer more harm financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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