BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I do not have a middle name on my identification card no longer active do to identity theft I requested all credit removed unlawful activity an reporting deceased action lawsuits will be taken I need a copy of my full disclosure report from all credit report agency

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 2022-10-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job due to the pandemic in XXXX. I started to struggle with the payments so I applied ( and was approved ) for a forbearance plan that paused my mortgage payments from XX/XX/2022 to XX/XX/2022. I was told the deferred balance would be due at the maturity date of my loan in about 30 years. XXXX came and Im still unemployed. I requested an extension on my forbearance and the agent told me on the phone my next payment would be due in XX/XX/2022. I had no reason to think any other action was required of me. Next I got a Credit Karma alert that I had been marked late on my mortgage. I immediately called my servicer and they told my my forbearance was over and all of the payments are due in XXXX lump sum. I would have never entered into this agreement if I was not misled ( twice ) by XXXX 's loss mitigation phone reps. I have no idea how this program would help anyone in a hardship. It's my mistake for not getting this in writing, but if you call your mortgage co and they tell you payments are paused till XXXX I have no reason to not believe them. The most recent rep ( XXXX ; the only XXXX who knew what he was talking about ) also informed me that the letter in the mail notifying me of my forbearance ending was also returned to them so I never received it. Not XXXX single phone call either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from this number XXXX. The person on the voice-mail message stated that she was calling from an Attorney 's office XXXX XXXX XXXX and that it is in reference to a debt that they plan to garnish my wages for the debt. I returned the call and XXXX XXXX answered the call verifying the last four of my social, DOB and name. She stated I incurred a debt from Bank of Nevada HSBC Bank in the amount of XXXX, in XXXX. I stated that this was impossible that I never had a credit card with any balance over XXXX. She could not verify the address of the company, her company or the details of the account, is the account number discharge date or even why this debt hadn't been reported to the credit bureau. Once I address this and asked that she send me the details about this debt to my po box she hung up the phone. Immediately after I called back the number and was sent directly to the voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Finance bought old debt from XXXX XXXX XXXX XXXX XXXX and now has re-aged my account, which means they changed the date that the account first went delinquent, making the debt appear newer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since about 3 or more years ago, my bank has slowly crept up to its old practices with fees in my checking account. When banking regulations happened during the financial crisis US Bank did what I thought should have been a common practice from the get go : 1. overdraft fees would not exceed the amount being paid -- for example I just got debited {$25.00} from check card connected to toll booth recharge account. this {$25.00} charge brought my account below zero and i got charged a {$36.00} fee -- and this has occurred multiple times in the last 5 years -- going against a practice in place after regulations started back in 2009 or so. 

2. this specific charge, for example, after banking regulations circa 2009, would not have been paid for there were not enough funds in the account, regardless if it was a charge deemed " recurring '' or not. 

3. this bank is back to debiting items the old way : when multiple items come in for debits -- whether through check card pre authorizations, scheduled bill pays, or checks coming through, the highest item is paid first and then the smaller items regardless if they came a day earlier or on the same day. this practice then, for consumers with low account averages makes them liable for multiple overdraft fees as higher ticket items are paid first. 

4. lastly, if i remember correctly, if there were funds when an authorization occurred, the authorization would be paid with no fee incurred regardless whether the account went in the red. 

I contacted the bank in regard to these issues and they simply gave me the option of having a checking account that was severely handicapped -- i.e. one wherein neither checks nor check card actions were possible or would require a per transaction fee or leave everything as is. 

i was so relieved when the original regulations were in place and slowly became more increasingly disheartened as the dismantling of these regulations protecting me were eroded quietly and effectively over the years by the bank. I am certain that this is not the only bank and that it is not the first time that you hear of this. 

I expect no resolution. We will see if this works. Thanks for reading.

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 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My company gave me 2 American Express virtual gift cards in the amount of {$100.00} each. Every time I try to use the gift cards to make online purchases, the card is declined. The purchases Im attempting to make do not exceed the available funds on the gift card. I have also verified the balances of these cards multiple times, so I know the funds are there. Additionally Ive tried multiple online vendors with no luck. The American Express gift card website suggests adding the card to XXXX XXXX - I have attempted doing this multiple times and consistently get an error message. These gift cards are absolutely useless, and whats worse, I had to pay taxes on this money that I cant use anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: NC
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

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 2020-12-30
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting inaccurate information to Equifax. I contacted them and they claim Equifax has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on Equifax. Equifax online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report.

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

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 2020-12-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving mail from a collection agency at an address in Delaware that I never resided at for a credit card account that was opened in XXXX. The account was paid in full in XXXX with a home refinance. The account is 19 years old and too old to collect on if it wasn't paid off. they were notified by me that I do not reside at the Delaware address, that that is no longer my last name and that I do not know what they are talking about and gave them my correct address to contact me. they responded in writing to Delaware address with a copy of a credit card offer I filled out in XXXX with all of my vital information including social security number written on it and not redacted any of it to prove I owe this debt. all that proves it that I applied for a credit card in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I XXXX XXXX sent the Cash App which I don't use, don't have on my phone or computer back a response to questions like how long I have used them which is never and what do I think the fraud is I said yes XXXX missing out of my bank plus XXXX in overdraft fees was taken without my permission or knowledge from the middle of XXXX until first week of XXXX. It has become a nightmare to get any feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
A XXXX XXXX XXXX XXXX was opened using my information. 
This is fraud. I noted it on my credit report on XX/XX/23 and asked the XXXXXXXX XXXX XXXX XXXX to close account and I reported it as fraud. The address associated with fraud account is a XXXX in XXXX Florida XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Delaware XXXX XXXX. 

I have contacted the XXXX XXXX  on the following dates to close the account and report fraud : XX/XX/23, XX/XX/23, XXXX, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I have received written correspondence ( I gave them my address ) which state that the account is under investigation. Every time I called the credit card company I am told it is under investigation. My credit report through Experian showed that the account was closed and under investigation. On XX/XX/23, I noted that my credit score fell XXXX points and that the account was open and balance past due. I called again and was told that I would have to wait up to 90 days for the investigation to clear up. 
My credit is declining and the bank is very slow to clear up this matter. It is 100 % the bank 's error to give a card to a person who is not me. I appreciate your help.

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 2020-12-30
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Last year I was on an income based repayment plan that was {$97.00} a month. My wife has {$60000.00} in student loans and we have XXXX children as well as an additional family member living with us, my wife can not work and I am the only person bringing in an income. My income has not changed. I applied to recertify my IBR and they failed to review my spouses student loan debt even though she authorized them and I have proof. My full regular payment which I have been paying for the past two months- since my IBR expired is {$340.00}. I have proof of payments and a letter from AES stating so. So now they have proceeded to approve my XXXX for a payment of $ XXXX an amount that is HIGHER than the full payment. They have lied and said the full payment is $ XXXX even though I have all the supporting documentation that the full payment is {$340.00}. I have emailed them numerous times as well as requested a complete breakdown of their figures and they have not provided this. I have wasted 2 months going through this process. Why would they approve my for an IBR for a payment that is higher? Why would they put someone through that? I need a manager to tell me the truth- with the honest figures, and for them to stop lying. We are in a worldwide pandemic, and clearly I am applying for an IBR because I can not afford the full payment. It is incredibly uncaring that they would make me go through this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX, and XX/XX/XXXX, I received correspondence via email from XXXXebt Collection Agency " HUNTER WARFIELD, '' alleging that I owe a balance of approximately {$160.00} to " XXXX XXXX '' In context, around XX/XX/XXXX, I submitted an interest form to Apartment Complex " XXXX XXXX '' inquiring about available housing. At no point did I communicate with/meet with a representative, tour the property, and/or sign a housing contract. 

Therefore, I do not owe, nor will I pay, the amount specified, and if " HUNTER WARFIELD '' does not promptly delete this collection AND remove all traces of alleged false debt from the credit reporting bureaus/agencies, I will also file a complaint against " XXXX XXXX '' as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Delete account immediately 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. 
XXXX XXXX XXXX, # 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 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 2023-09-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BMO and Bank of the West merged recently. I was a Bank of the West customer. I went to make a transfer from my now BMO account my XXXX XXXX XXXX. I have verified the deposits from BMO to my XXXX account and put in for a transfer now that I was able to link the external account. My account was put on hold and I was not told why. I called and thought I had the problem fixed, I got an email confirmation that the transfer was under way. Shortly there after I got 4 emails. The first one said that my XXXX account was locked and I would not be able to use it from BMO. I already use it with a different bank so I could not use it any way. The second was that my transfer had been cancelled now. The third was that my verified XXXX external account had been suspended. The fourth was that my account had been suspended and I would not be able to transfer money. 

My complaint is that when I was with Bank of the West, I could transfer money, write checks, and spend my money. Now they have locked my account since the merger with BMO. BMO now states that I can not handle this matter over the phone and that they will need me to go in person to one of their branches. I live a XXXX  round trip away from a branch and XXXX mile so this is unacceptable. Before I tried to resolve this over the phone I would have been able to write a check or transfer money for rent, but now I can not. I am wishing that I can get my money back and be able to transfer the money for I can close my account with them.

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