BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
A series of fraudulent transactions were identified and reported in my checking account with XXXX, unauthorized AmEx XXXX, XXXX transactions XXXX totaling {$2100.00} were denied for reimbursement, beyond the " XXXX Reg E time limitation ''. Another XXXX unauthorized transactions totaling {$3800.00} which were reported within the XXXX limit were reimbursed. 

Of the denied transactions, I requested the ACH details, I have the ACH transaction trace number and requested AmericanExpress locate the transactions. American Express did not find record of the payments in my AmEx account ( not a surprise, they were fraudulent ). I asked to locate by trace number instead and they claim they are unable to locate transactions that way, only by account number and continue to redirect me back to work with the debit institution ( XXXX ), who keeps refusing as its beyond the XXXX XXXX time limitation. 

Clearly money was removed from my XXXX checking account, it apparently was routed to AmEx, we have the unique trace number, AmEx should be able to find the account and owner where the funds were deposited, but I am unable to get XXXX nor AmEx to actually trace where the money went so we can initiate recovery. Incredibly frustrating that we have the unique identifier to trace the questionable transaction yet both banks are refusing to engage, claiming a regulatory exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Account status incorrect

Complaint:
Please be advised, Im currently on child support and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. 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 explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-04-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv Funding LLC started reporting on all my reports XX/XX/. They are currently reporting on all 3 national reporting agencies. They do not have the authority to collect anything from me. Per the Illinois Department of Financial and Professional Regulation, they are not licensed in the state of Illinois to collect anything as they do no have an active license for Illinois. This has been reporting for nearly 2 years negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they have an active license in SC, not IL. There are 3 different collections showing, their account numbers are as follows XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late in XX/XX/XXXX another 30 days on XX/XX/XXXX another 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management started reporting on all my reports XX/XX/2022. They are currently reporting on all XXXX national reporting agencies. They do not have the authority to collect anything from me. Per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they are not licensed in the state of Illinois to collect anything as they do not have an active license for Illinois. This has been reporting for over a year negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they do not have authority to collect in IL. There are XXXX different collections showing, their account numbers are as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Caliver Beach Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a " Understanding your available VA home equity Funds '' letter that appears to be from my current mortgage and names them " XX/XX/XXXX 

The mail fraud letter is from Caliver Beach Mortgage company. The letter explains that i have XXXX in available funds and i need to call to see how to disperse them. 

They are defrauding consumers to pretend they are from the current mortgage company to get you to call them and all they do is try to get you to refinance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Amount Needed to Reinstate Loan : {$73000.00} Select Portfolio Servicing offered me Forbearance through the pandemic and told me that I had to pay a Lump Sum on Pandemic Forbearance. I was in a Forbeabearance prior to the pandemic and was paying and then I was offered a Continued Pandemic Forbearance and after that my Default payments went from {$23000.00} to {$73000.00} Default payments to Reinstate my Loan. Select Portfolio refused to work with me on the Pandemic Loan Forbearance and told me I had to pay everything in one Lump sum, that that do not honor other programs to move payments to the back of the loan. They are requiring {$73000.00} from me to reinstate my loan so I will not lose my home and have referred it to the XXXX for foreclosure actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, company ( Iq Data International ) reported a outstanding balance of {$840.00}. Upon speaking with management, I now have a {$0.00} balance. I have documentation and a letter from management stating I have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage with Wells Fargo beginning in XXXX. In XXXX my husband had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX leading to a long hospital stay then XXXX  months of home confinement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the battle with the XXXX had finally been won the XXXX  XXXX specialist cleared him to begin XXXX XXXX  and a home program and was finally cleared to go back to work after another XXXX months. 

One year had passed with no work or paychecks and with 2 college tuitions it became very difficult to stay on top of our monthly expenses.

Then the real estate market crashed with my husband a XXXX  and me a XXXX  he was forced to file for unemployment until that expired in XX/XX/XXXX. 

In order not to default on our mortgage we were forced to wipe out our entire savings account, cash in both our XXXX XXXX  's and even sold some of my jewelry to stay afloat. 

We contacted Wells Fargo on many occasions with of course no resolution. We were advised to meet us with XXXXXXXX XXXX XXXX XXXX  XXXX to work through a loan modification. I have a binder full of documents that were submitted over and over again to Wells Fargo and what did they come back with for a solution? # 1 We were spending too much money on groceries and # 2 give us a 6 month moratorium on payments but at the end was a balloon payment for the full amount! They just had us go through the motions with NO intention of modifying the loan.

During this time we had to put our house on the market ( remember it was during the real estate crash! ) and ended up selling it like a fire sale and losing over {$75000.00}.

Had we received the modification we could still be in our house that we built back in XXXX with no mortgage instead we had to sell the house at a loss and at XXXX XXXX XXXX we will NEVER recover from this. Although President Obama had pushed these mortgage companies to do right by their clients they never had any intention of providing any relief. 

I had submitted a claim to you but you " closed '' the complaint when Wells Fargo said they only hold records for 7 years and couldn't " find '' our account. Serioiusly??? That was a sufficient reason to close the file? They are one of the worst companies for so many ways they have screwed their customers and should not be allowed to continue their illegal tactics. How is it they only keep records for 7 years? How does that work in fixing their past mistakes without any records? 

For their convenience here is my mortgage number they " couldn't find '' XXXX. 

BTW the XXXX XXXX  XXXX XXXX admitted they only had ONE modification out of the hundreds that applied.

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 2022-11-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I've sent multiple letters requesting validation of my credit report. I have yet to receive anything i have asked for. Instead of providing me with the proof of verification which is a violation of FCRA section 609 ( a ) ( 1 ) ( A ), Their required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT of all accounts posted on a credit report. A letter was sent out for me to verify my identity. The correct documentation was sent and I have yet to receive any of my request. My credit report was updated with dispute resolved and completed investigation which is a lie. Method of verification, the original contracts was never sent to me, the account being deleted from my report, account being updated and a copy of my credit report showing these changes being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern I am challenging the incorrect information with XXXX where all 3 Bureaus XXXX, XXXX, and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all XXXX bureaus XXXX, XXXX, and Transunion as well as XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted 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 non-monetary relief
Consumer complaint received 2019-07-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/2023, I received a debit card from Capital One for an account I did not open. I called Capital One the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through Capital One was still in process. I checked my credit report and found hard inquires from Capital One for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, transunion and XXXX are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: FL
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 account below has violated my federally protected consumer rights to private and confidentiality under USC 1681. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call this morning on my phone number for my elderly mother. They stated she had debts owed. 
I told them, this is my cell phone, not hers and hung up. We have been getting a lot of elderly scams going on. 
I back traced the number and found that it was listed as two things, aggressive debt collection and scam. 
I then traced to the company name and called them. When a representative answered, I asked why they were calling my number for my elderly mother, he said she must have debts to pay. This is incorrect, my mother has been debt free for quite a few years. 
I asked how much debt was owed and was asked if I had Power of Attorney, I am not. When I stated that their company called me, and if they were willing to do that, they should be willing to discuss the debt with me. He refused, at that point I blew up on them and informed them I would be filing with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called and emailed this company multiple times about the debt they're claiming is mine. I have requested the original agreement and signed contract from this company to verify the debt under 15 USC 1692G. 
if the debt can not be validated I am at no obligation to pay under the FCRA 15 USC 1681

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 2022-10-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Found out on XX/XX/XXXX that my credit card through Chase was declined. Called Chase that day explained the issue and talked to multiple people. Many didnt know why. Was told that I failed to fill out XXXX forms that they had sent ( SSA-89 and W-9 ). I was never alerted electronically ( email, text, app ) that my account was going to close due to these forms. Ive also never had to fill out these forms for any other credit card Ive had. 

I was told i could provide these forms to a chase branch. I traveled to a local chase bank later that day. The employees there were confused about what was required. They said that they couldnt accept the forms I had filled out. They had someone call their credit card office. After being on hold for too long, the bank employee gave up and told me to call them myself. 

I called Chase the next day explains what had happened. I was told I could make an appointment to hand over the forms and that this might lead to my account being reopened. I went online and made an appointment with a different branch and wrote down that i needed to submit a couple of forms. I get a call later in the day from the branch telling me that they dont deal with credit cards. I was told that I could send these documents online via the app. 

So I went on the app and went to the document upload link. There, it only let you upload forms for a dispute. Since this was the only option available, I selected it, gave a made up claim number, and uploaded the documents, hoping someone would get it and know what to do. 

This did not seem to work, and I have gotten a couple of letters informing me that I need to fill out the enclosed form if I want to change my name. Not what I was looking to do. 

I called Chase again on XX/XX/XXXX. I told them that my account was closed due to not submitting the forms, and that i wanted to open another account. After XXXX transfers, I was simply told that it would not be possible, due to the card having a promotion and that they didnt want me to take advantage of that promotion twice. They could not issue me a card without the promotion.

So Im stuck with a closed account with a lot of points, and possibly no way of reopening. Most of the people I talked to were unsure or thought it was possible. I feel that myself and the employees are uninformed as to what happened and why.

Company response to consumer: Closed with explanation