BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Letter sent to Big Lots XX/XX/XXXX XX/XX/XXXX Big Lots XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX Account XXXX Ending in XXXX I am contacting Big Lots to advise I will not be paying the Late Charge from the XX/XX/XXXX statement and now the interest on the XXXX statement. I have numerous credit cards ( XXXX XXXX, XXXX, XXXX, etc ) and have never had a late fee charge on any of these cards. I continue, every few months, to be charged with a late fee from Big Lots. 

Quite frankly, I have no idea what is going on with your Accounts Receivables, but I believe mail is being held in order to charge late fees to consumers. I am sending a copy of this letter to the XXXX & FTC for further investigation. 

You may contact me with any questions. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on the attached XXXX XXXX XXXX XXXX ending in XXXX. This should be showing up on my credit reports with the date opened, the credit limit, paying on time each month, etc - yet, it does not currently. 

Attached to this complaint are : - my XXXX XXXX - my social security card - my XXXX XXXX - the letter from XXXX XXXX stating I am an authorized user- my actual credit card with them Please have this reporting on my credit report accurately.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 a reasonable cause to believe that the information is inaccurate.

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 2023-02-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My BUSINESS information is showing on my consumer report and i need it to be remove completely and transferred to my business consumer report as soon as possible. I have been damaged because of all the inaccurate information that has been showing on my report, i will attach the proper forms to put you guys on notice that my name that is connected to my personal consumer report is a business name and should be reported properly. 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 2019-08-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We refinanced our home in 2007 with XXXX XXXX XXXX XXXX, on a adjustable interest it went from 8 % to 12.75 % after they sold the mortgage to SPS, Select Portfolio Sercving, which has denied all of deed in lieu, modifications, and now short sale, just so they can fireclose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX 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 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 2023-04-20
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 a reasonable cause to believe that the information is inaccurate.

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 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have paid more toward late fees than the capital one balance. It's a rip off. It's a scam to keep me in debt. I missed the payment by 4 days and they want to charge {$40.00} on top of {$100.00} payment. Not to mention I've had the card for over ten years, I have paid it off more than twice and they have never raised my limit. After many times of me asking as my income has increased I have the same credit amount as when I got the card in college and I'm a XXXX XXXX XXXX human. These companies rip off the American people ; all they care about is money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Prior complaint XXXX submitted and now closed as CFPB is accepting inaccurate and false information. New York State Higher Education indicates the loan amount is {$26000.00}. However attached supporting documentation clearly shows the loan is {$21000.00}. The payment history is nothing more than a typed document, no letterhead, no official document, anyone can type something up. The term of the loan was 10 years so if you look at the so called payment statement, I still owed over {$20000.00} after paying on the loan for 9 1/2 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have provided this company with the necessary documents showing I was a victim of identity theft. I received a letter on XX/XX/XXXXXXXX  advising me that they were unable to substantiate the allegations in my dispute but didn't provide any more details. I called the phone number listed on the letter XXXX, which states the company name and says please hold repeatedly. I have not talked to anyone verbally, as this phone number does not connect you to a human being. This account is a fraudulent account. Their documentation sent in XXXX of XXXX does not show any identity verifications that shows I legally purchased this vehicle. There is not a copy of my drivers license, check stubs, bank statements or any other factors that proves I purchased this vehicle. Only documents showing a signature that was falsely signed. When purchasing a vehicle, by law, you have to provide proof of identity. Please show me a copy of my drivers license and income verification documents that was used to complete the purchase of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a letter out XX/XX/2023 to XXXX, transunion, & XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense.

According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2023-08-13
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX have put a collections account on my credit report that is not mine, " Sunrise Credit/XXXX '' accuse me of being responsible for a XXXX $ debt from XX/XX/XXXX XXXX i have no knowledge of this account and I'm afraid it was opened fraudulently. 
U.S Code 1681-2a states " a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft ... '' I am the victim of identity theft! Please delete these accounts at hand immediately. 
These accounts should not be furnished on my consumer report as they are in violation!!! Under 15 UCC Code 1681b- Permissible purpose of consumer reports ( a ) In general subject to sec ( c ) any consumer reporting agency may furnish consumer report under the following circumstances & no other : ( 2 ). In accordance with the written instruction of the consumer of whom it relates. 
I never gave any consumer reporting agency " Written Consent '' to report anything on my consumer report which violates my rights as a fedraly protected consumer. No Consent Is IDENTITY THEFT. As a consumer i am demanding the deletion of the account mentioned above immediately.

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 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 am very disappointed and concern about this issue. There is a late remark on XX/XX/XXXX on my Capital One account. I've been always on time in my payments but there was this situation that I could not control. 

I was in XXXX for work. I was was stuck due to pandemic. I Was out of the country and I was not able to use the app. I was not able to access the Capital One site from outside of US. Also emails from Capital One kept on going to XXXX. I finally was able to get phone service in mid XXXX ( around XXXX XX/XX/XXXX ) to be able to talk to Capital One. 

Again, this was a situation that I could not control. It was not a money issue. I had enough founds to make the payment but I was out of the XXXX with a lot of restrictions. I ams asking an adjustment to this late remark that is killing my financial life. I have also suffered emotional stress. I need a fair solution asap. 

All I am asking is this late remark to be removed or this month to be reported as " no data ''. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ).

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called in XX/XX/2020, Quicken Loans/ Rocket Mortgage for forbearance during the COVID shutdown in CA. Although my remaining loan had 10 years left to be completely paid off, my employment hours was cut in half, I needed assistance. They offered forbearance on my loan to put 3 months of payments onto the end of the loan. I accepted. 3 months later I applied for an additional 3 months due to the recent 2nd shutdown and was granted by letter, an additional 3 months by Quicken Loans. 
However, when I called Quicken Loans to confirm this, I was transferred to a loan modification representative. The representative said I was eligible for a loan modification that would lower my payments, but refused to tell me the terms, saying I could review the terms on their website. I asked again about putting the payments onto the end of the loan, but was told this new payment would lower my monthly payments. She asked for my account number and routing number to " lock-in '' the lower rate. I gave her the information thinking I was going to get a lower payment overall with no change in the life of the loan. 
The next day, I looked on the Rocket Mortgage website and found they had doubled my loan amount owed and changed the terms to 40 years. 
I called Monday morning to Quicken Loans to cancel this loan modification but was repeatedly told by a scripted representative I had agreed to the loan modification by providing my account number and routing number. I asked to cancel the loan modification, stating the terms were repeatedly refused to be disclosed until after I had agreed to the modification. Again, a scripted response, I had agreed to the loan modification. 
I believe this is fraudulent misrepresentation of forbearance offered to me originally. The representative of Quicken Loans misled me to believe I was getting a lower payment plan without any change in the length of the term. 
I was not allowed to cancel the loan modification in my conversation with a loan representative, being told repeatedly by scripted employees, I had agreed to the loan modification. 
I believe Quicken Loans is taking advantage of Americans in COVID forbearance to get them to agree to loan modifications, advantageous only to Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CMRE Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was involved in an on the job vehicle crash XX/XX/2021 in XXXX XXXX, Florida. The vehicle was registered to the employer XXXX XXXX  XXXX XXXX covered by XXXX XXXX XXXX company commercial policy. I resisted being transported by XXXX XXXX XXXX but was all but forced into submitting with the assuring me that they had all the liability covered when they took possession of proof of coverage from the vehicleXXXX XXXX finally paid the claim in full on XX/XX/2021. On XX/XX/2021 CMRE Financial, a California based collection agency reported the account as unpaid to XXXX which in turn reported to XXXX. I have a perfect payment record with all of my legitimate accounts and took a severe hit to my XXXX score. Everyone involved has been notified and repeated disputes have been filed after XXXX and CMRE assured me the collection would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. 
I received email after 180 days about my money is available. 
10 months waiting for PayPal and they do not help me withdraws my funds. 

PayPal do not respect their own polices, why they keep my money hold if i received the email money is available. 
I don't want PayPal anymore but I just want my money now. 

i guess PayPal should improve the services to customers. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: AMERICAN EXPRESS COMPANY
State: HI
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/2023 I called American Express and talked with XXXX and XXXX. XXXX said I can not dispute the charges because " the attempt to cancel was made post the charge submission date. '' XXXX said that American Express mailed me the letter saying that one of my ongoing disputes was canceled on XX/XX/2023 to my business address. Then I told her that more than likely it was the date of the letter. 

Then XXXX said that it was emailed to me on XX/XX/2023. I asked her what email address, and she said she can not say my email address because of company policy. I have many email addresses, so the fact that American Express can not mail me a letter regarding a dispute is not good. 

XXXX read the resolution letter to me, which was from American Express Customer Service. 

She was unable to complete any of my disputes for various reasons. 

I don't know why American Express makes it so hard for me to make a dispute. 

I think they just don't want to lose money, even though I did not make these charges, or contacted the companies numerous times to cancel, yet they still charge my account.

Company response to consumer: Closed with explanation