BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or 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:
Monday XX/XX/2021 : I called American Express after being locked out of my account and was told my account was permanently closed ( several times within the conversation ) and that a check would be mailed to me. There was " nothing I could do aside from writing a letter to '' the P.O. Box. I requested this information in writing and the representative hung up on me. This was after nearly {$11000.00} XXXX {$9300.00} XXXX of it were government funds. The other deposits were from direct deposits from projects. 

Wednesday  XX/XX/XXXX : I'm told that I need to contact a bank and have them write a letter of indemnity and send it directly to American Express. I asked them which bank and they said they couldn't give me the information. I asked -again- for a letter to be sent to me stating all of this. 

This happened early in the month so I received returned payments from my credit card, phone bill, and WiFi providers each charging a fee of $ XXXX. My rent check bounced. Had to change my direct deposits from previous gigs ; a nightmare I tell you!! 

Friday XX/XX/2021 I received an email about fraudulent activity that I was thought to myself " a permanently closed account can not have failed transactions '' so I called American Express and even going through notes, the representative on the phone was super confused and began an internal review of my account. 

Monday XX/XX/2021 : I receive an email about my account being back to normal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: TX
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning 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 explanation
Consumer complaint received 2021-03-27
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've provided the police report to Transunion informing them of the item on my credit. I was informed that it would take 72 hours for the items to be removed. I sent in my ID social and bill by mail and on the site. What is going on? Why are they saying that I need to send in my ID social and a bill again? I sent it in already. 
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 2021-05-24
Company: ENCORE CAPITAL GROUP INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on date XXXX i received a validation responce letter from company midland credit management. further due in letter they have not shown actual proof of me owing this debt. i requested proof of contract of my own signature and it was not provided. also this company has violated multiple of my consumer rights! they have violated 15 usc 1692 ( c ) ( d ). which as you should already know ... communication with the consumer generally without the prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of ANY DEBT. Also harrassment and abuse to keep reporting to the credit reporting agencies. Which they are in violation once again ( 15 usc 1692d )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Discover Card started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is XXXX XXXX firm phone is XXXX located in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
i had a banana republic card where I get points for purchases, and I shop with those points.  In XXXX  of this year in one day XXXX  dollars worth of points just disappeared from my account.  I called and spoke to customer service, then I got transferred around and was told oh yes this has happened to a few people I will file a report and we will get back to you.  One customer service person said the the fault was with old navy and their web services they sent out rewards to multiple people with he same number.I have copies of the reward certificates printed out from old statements each one has a ups code of some kind. Each on is unique why can they not track who they gave it to?I specifically charged services ect and pay of the bill every month so I can get reward points and use them towards clothing purchases. Its is as though the bank stole XXXX dollars from me.  It is nowXX/XX/XXXX... I have called multiple times have spoken to different people and was told after two business cycles my points or rewards would be reinstated and or I would receive some kind of notification in the mail. I have never gotten any mail from them them.   Why would I keep this card if they intend to not live up to their promises.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX furnish my information to a third party without my consent i have request real ink of my signature on any form that allows them to share my information there in violation of my rights. Because a consumer has a right to privacy 15 U.S. Code 1681 ( a ) ( 4 ) and to preserve that privacy consumers the right to Opt Out of third-party sharing, therefore preventing financial institutions from sharing account information and history to consumer reporting agencies 15 U.S. Code 6802 ( a ) ( b ). You're absolutely right, I should provide a case specifically involving liability for reporting information prohibited under FCRA 1681a. One relevant case is : Farren v. RJM Acquisition Funding, LLC, 2005 WL 1799413 ( E.D. Pa. July 26, 2005 ) - The plaintiffs alleged that defendants violated FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing inaccurate and impermissible information. - The Court denied the defendants motion to dismiss, finding : Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. - So this case demonstrates that furnishing inaccurate or impermissible information prohibited by 1681a ( d ) ( 2 ) ( A ) ( i ) can provide grounds for liability under the FCRA. Please let me know if this helps provide a relevant case example per your request! I apologize for not citing this applicable precedent initially. The Eastern District of Pennsylvania federal court denied XXXX 's motion to dismiss the claim alleging XXXX violated FCRA 1681a by furnishing prohibited information to credit reporting agencies. In denying the motion to dismiss, the Eastern District of Pennsylvania federal court ruled : " Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. By rejecting the motion to dismiss, the Eastern District of Pennsylvania federal court allowed the 1681a claim to proceed against XXXX based on the alleged reporting of prohibited information, even if factually accurate.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have hard inquiries unrecognized and unauthorized on my report that i request removed

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 2018-02-15
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : URGENT ATTENTION FORMAL COMPLAINT AGAINST SWBC, SPECIFICALLY LOSS MITIGATION FALSE STATEMENTS AND WILLFULL DENIAL OF PREVIOUS CLAIMED RECEIVED DOCUMENTS TAKING EXPEDIENT ACTIONS TO FORECLOSE ON MY HOME QUALIFIED WRITTEN REQUEST, ERRORS NOTIFICATION AND REQUESTING PULL ALL CALLS ( CALLS ARE RECORDED FOR QUALITY ASSURANCE ) MADE BY BORROWER TO SWBC TO VERIFY CLAIMS NOTED IN THIS FORMAL COMPLAINT To All Parties Listed Above : I am  submitting this formal complaint after receiving the devastating news today from SWBC Loss Mitigation, that my Loss Mitigation file was closed on XX/XX/2018 and my home is in Active Foreclosure Status with a law firm to sell me home, based on the blatantly false statements that I did not respond to their written communication and that I did not submit requested additional documents. I received a Letter that is attached that falsely has written that two letters were written to me, the dates of the letters are not provided in the letter, and that I did not submit the additional documents, and therefore SWBC would be unable to complete my application and evaluate it for any HomeOwners Assistance Programs. 
I HAVE MADE IT ABUNDANTLY CLEAR BOTH VERBALLY AND IN WRITING THAT MY INTENT, GOAL AND EXPECTED RESULT IS TO KEEP MY HOME VIA A LOAN MODIFICATION APPROVAL FROM SWBC MORTGAGE. I AM A VETERAN AND I WORKED HARD ALL OF MY LIFE TO OBTAIN THE AMERICAN DREAM, AND A MEDICAL EMERGENCY CAUSED MY HARDSHIP AND SWBC 'S ACTIONS ARE CAUSING BARELY HEALED HEALTH ISSUES TO NOW CAUSE ME MORE PROBLEMS!!!

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 2022-01-07
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  . Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have just talked to Seterus representative, and asked him the same questions. I understood that he could not provide me with the answer I wanted, except to go through this process. 
1. Question : why I am not qualified to pay property tax myself? I have been simply told that I can't - due to the home Affordable loan period. However, even in the company 's response on page 34, a Q & A page,  which reads : " Do I have to carry an escrow account on my mortgage loan? A : Your loan documents will determine whether you qualify for an escrow account closure. If you feel you qualify and want to request an account closure, please call us at XXXX. '' It seems to me that there is a way to close the escrow account for my loan. I need Seterus to  explain to me how and why I am not qualified to close the escrow, since it has been a problem from day one of this mortgage. I have been asking the same question from XX/XX/XXXX, 4 months passed I still do not have the answer. 
2. I was told again that the escrow account request is again increased this year, and I need to pay more into it, to have the account become prepaid. I do not understand why I have to be requested to prepay tax to the server of the loan, and the amount has been increased more than the tax increase. I felt it is just a way the company tried to punish me since I have chelanged the company. 
3. I am willing to pay the {$1600.00} for XX/XX/XXXX mortgage, according to the schedule that listed in the company 's answer, and additional {$76.00}, which XXXX said is due to the shortage of XX/XX/XXXX and XX/XX/XXXX ' original payments. These extra amount, should go to escrow account as a prepayment of the tax, as XXXX explain to me. Therefore, when the loan refinanced, the amount should stay in the escrow. Please waive all the additional fees and charges, since I did pay each month on XX/XX/XXXX and XX/XX/XXXX, and I also paid XX/XX/XXXX mortgage in XX/XX/XXXX. 
Thanks, 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 2022-01-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, my debit card was charged for {$72.00} by XXXX XXXX I filed a dispute with my bank, jp Morgan chase. I informed them on XX/XX/2021 that I did not make the charge and that my card was lost or stolen. They reimbursed the amount to my account and sent me a new card. About 2 weeks later they did a claim reversal for the amount on my account and closed the dispute. I have been trying to get this issue resolved. I did not make the charge and did not have my debit card. And now they won't reopen the dispute or give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A debit card was sent to me in the mail ( XX/XX/XXXX ) tied to an account in my name that I never opened. We quickly called chase and had them close it. It feels like what XXXX XXXX did back in XXXX, where they opened fake accounts and accumulated fees. It feels like a violation of my name and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
during covid 19 i had late payments on two accounts XXXX  and XXXX  account i actually signed up for the payments to be pushed to the end and i have provided paperwork showing that the payments was pushed back. Also a bill was passed that protects our credit during that unexpected time. i sent letters over two months ago i have all of my paper train and letters and dates they was sent. they have not sent me anything

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is damaging my credit report over a debt that is not my obligation

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 2020-03-17
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received an alert from my credit monitoring service a month ago that my credit score has dropped. l reviewed my credit score on XX/XX/2020 and seen that it had dropped 20 points on all three credit bureaus due to 2 negative items from Northwest Financial in XXXX XXXX Missouri. I have called Northwest Financial several times and I requested to be sent information that this is my debt, It has been a month and Northwest Financial still hasn't provided me any proof that they have an agreement with the creditor to collect this alleged debt, Nor would they provide me a contract where I allegedly agreed to pay these charges or signed. This company has been giving me the run around every time I call they say they will send me out the information again and yet nothing. These 2 negative items has lowered my credit score. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an opt-out suppression on file with LexisNexis as well as a security freeze. I have been trying to complete a data deletion request with a third party data broker called XXXX, which uses LexisNexis for identity verification. Upon receiving an error message when trying to contact LexisNexis, I obtained a copy of my consumer report and verified that the information is correct. I then contacted both XXXX and LexisNexis regarding the issue. Since it is due to the identity verification, the error is occurring on the end of LexisNexis and not XXXX. After contacting LexisNexis, I lifted my optout suppression ( I opted in ) and temporarily lifted my security freeze. I gave the computer systems ample time to update, but I still obtain errors in identity verification through LexisNexis. I tried to rectify the situation with LexisNexis, but the " XXXX XXXX  '' privacy management email eventually stopped responding. Moreover, the representative at XXXX reached out to their internal contact at LexisNexis and did not hear back after weeks. I have spoken to LexisNexis on the phone multiple times and they just say to lift the security freeze, opt-in, and wait, which I have done multiple times. 

XXXX does not use manual verification, so LexisNexis can not punt the ball to the other company as the identity verification is the responsibility of LexisNexis. XXXX did indicate that they MAY do a conference call to verify identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FRAUDELENT ACCOUNTS ON MY REPORT

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