BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-12
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested XXXX XXXX XXXX internet be installed in my apt around XX/XX/year>. A workman left after installing the internet and 2 rogue gentlemen showed up at my apt door to speak to me about switching to their wireless service, unannounced ( I didn't request any additional services from XXXX XXXX XXXX XXXX. I spoke to them about changing wireless carriers, ( which never occurred ) and I paid a fee for a new XXXX phone and XXXX  watch. Approximately, 7-8 days later XXXX XXXX XXXX sent an XXXX watch to my fathers house, and a new phone to the same location, which arrived approximately 6-7 weeks later. That was not what I was told about the equipment/service and the cost was higher than I was told. I contacted XXXX XXXX XXXX who could not find my account, as well as the salesmen who came to my house. I received no assistance initially from either and I felt I was being duped. About 10 days after that, XXXX XXXX XXXX debited my account on XXXX individual occasions for these phone/watch/activation service fees, this caused numerous NSF fees. Several screaming calls to XXXX XXXX XXXX later, yielded a customer service representative who located my account, he claimed that my account wasn't labeled correctly and that's why none of the other representatives to locate it and he was able to refund some of my money. That customer service representative told me I was being debited continuously so that XXXX XXXX XXXX  could get their money upfront and that the debits would continue. At that point, I sent back all of the equipment. I have the returned equipment receipts from XXXXXXXX XXXX XXXX I had to cancel that debit card to stop the repeated debiting. I do not owe XXXX XXXX XXXX any money for any services other than internet service which is current, I don't have or want their wireless service, cable service or any other services from 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 explanation
Consumer complaint received 2024-01-18
Company: LoanCare, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the reporting of late payments on my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. 

Upon reviewing my records, I have not been delinquent on my payments, and this discrepancy is causing a negative impact on my credit score. I understand the importance of maintaining a positive credit history, and I am eager to rectify this situation promptly. 

LOANCARE LLC XXXX I kindly request your assistance in investigating and correcting the late payment entries on my credit report. I have attached copies of my payment statements for the relevant months, which clearly show that I made the payments on time. 

I understand that errors can occur, and I appreciate your prompt attention to this matter. I kindly ask for your cooperation in correcting my credit report as soon as possible. Additionally, I request confirmation in writing once the necessary corrections have been made. 

Thank you for your understanding and cooperation in resolving this issue. I believe that with your prompt attention, we can rectify this matter swiftly and ensure the accuracy of my credit 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
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have XXXX accounts XXXX inquiries and a incorrect address appearing on my credit reports.

Company response to consumer: In progress
Consumer complaint received 2024-01-17
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX Attn : Citibank Lending Services I requested a credit line increase for my account ending in XXXX and in a letter dated XX/XX/XXXX, I got notified that I was denied this request. Regardless of the reason for being denied, I have the right to credit, and denying me access to my credit is discrimination. Withholding my access to my securities is security fraud. You are violating the Federal Equal Credit Opportunity Act and Consumer Protection Credit Act. 

I have tried for days to look for an email address or mailing address to send this complaint to with Citibank. I contacted their customer service and they told me, if you were declined a credit increase, we would not have any access to help you by phone, in email, in writing, or in person. So, Citibank cant help with this? Thats why I am coming directly to the CFPB. 

Let me remind everyone involved of Citibanks lawsuit last Fall for discrimination. Obviously, this is a recurrent theme with Citibank.

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 2023-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/23 took transfer balance loan in the amount $ XXXX 1.99 % interest until XX/XX/23. Since XXXX I'm being charged {$45.00} per month. They are applying more payment to the transfer balance and leaving the current purchase to be charged interest. XX/XX/23 I called Chase Bank customer service and eventually spoke to XXXX XXXX who told me '' you paid so much on your monthly payment that we had to apply the rest to your Transfer balance. '' I asked why I have an interest charge if I overpaid the purchases. She stated '' because the interest rate defaults to your regular purchase rate ''. I told her to send me proof of that. XXXX I received a letter from Chases asking me if I would like them to send the card member agreement???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I have XXXX {$100.00} American Express gift cards that I've been trying to use and they continue to be declined. 

I've tried paying bills, purchasing gift cards online, using the cards for payment for online purchases. 

I've checked the balances on all XXXX cards, and they have {$100.00} each on them. 

I've gone online and tried to get support from the AMEX folks, no way to do that. 

I'm very frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: WESTSTAR MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have several issues with Weststar Mortgage XXXX ) they changed the way company that does their autopay, I was not informed of this, although they swear they contacted me. I have been on autopay for 2 years and started getting letters that my mortgage was late. They never contacted me to do their administrative work yet are very timely when they want money. I tried calling for XXXX weeks at different times on different days. No one answered or I was sent to voice mail that was " full ''. After XXXX calls, all documented in my call log, I finally reached someone today and ended up speaking to " XXXX ''. She said that she was the " customer service manager ''. She refused to give me her full name. By this time I am frustrated and she was absolutely unprofessional, condescending, yelled at me and XXXX help. 

XXXX ) They are escrowing me approx. XXXX $ per month over and above my XXXX taxes and insurance. I asked to stop with the impounding, so I can pay the taxes and insurance myself and she stated " you will have to refinance to do that ''. Obviously I wont do that as the interest rates are 3 times higher now. Besides, I know that is not true as I have other properties that have recently stopped escrowing at my request. XXXX is no longer needed on the property and she refused to address this. 

The time I have spent on this has financially affected me. I do intend to file a complaint with the Attorney General in the state where they are headquartered and also the state where I reside. When I mentioned that I was going to file a complaint with you and the Attorney General, the response was, " Please do ''. I think the employees have forgotten who pays them. 

I hope this complaint falls into the hands of someone that will make a difference in the way this very shady mortgage company does business. I was told by them today that their poor reviews were from customers who didnt get their way. I am appalled.

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 2023-11-08
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: Personal information incorrect

Complaint:
I have contacted the following companies numerous times Equifax, XXXX, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses, names, and phone numbers where people have fraudulently used my name and associated my name or a wrong name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though have only stated it has been confirmed the fraudulent names, numbers, and address are mine even though I have denied all the inaccurate information on the reports though the companies refuse to remove the inaccurate names, addresses and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Checked my XXXX XXXX and noticed UNAUTHORIZED INQUIRIES ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: CO
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/27 there were three unknown pending transaction on my account : 1XXXX XXXX XXXX  for {$4000.00} from XXXX CA XXXX 2- XXXX XXXX XXXX XXXX  for {$710.00} 3- XXXX XXXX XXXX XXXX for {$710.00} The transaction were reported to the bank while they were in pending status, we told them the transaction weren't made by us or anyone we know. 
They open a claim, we were told it could take up to 10 business days to resolve. 
On the 10th business day of the claim we got a letter email that said that the findings on our claims show no error on our account and that the claim was close and it can not be reopened. 
We call the bank right away and ask about the investigation and we were told that information cant be shared, that it needs to be requested to a different department. 
We finally were able to get to the right person and requested proof of the investigation but were told it can take up to 30 days to get it. 
Its been 18 days since our money was taken from our accounts a total {$5400.00} that were missing, the bank never call us back.

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 2023-11-16
Company: Omnex Group, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
XX/XX/XXXX I sent {$230.00} to XXXX using XXXX Money Transfer service. I have used the service since the year XXXX and have sent more than {$6000.00} to XXXX for international remittances. I have never had an issue until today. The company is claiming money laundering and requesting income statements and identification. It is illegal to request such information from the person sending money. The transaction was cancelled and now I have to seek services elsewhere to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Getting XXXX XXXX by " LVN V XXXX XXXX bank {$3400.00} '' I never own an XXXX bank account I have no access to this account somebody open a fake account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit and notice a debt that I didnt owe or never submitted an application to this company. I also never authorized anyone to use my identity to apply for any credit.

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 2023-11-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
New Rez Mortgage system fails to deduct payments from bank account. We specifically schedule payments to track them. Upon emailing them, they deducted the payment late. 

Again we decided to track and took pictures of the payment pages when scheduled. Still not payment has been taken out. When we try to login to their website, their website is down and certificate is expired. Trying to call no one answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Affirm Holdings, Inc
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I never requested the loan. I wanted to see the rates and end monthly payments. I did not want the loan once I saw it and I did not approve it. I clicked on " review order ''. It wasn't " complete '', " submit '', " request '' or anything like that. It said " review order ''. No text said anything whatsoever about submitting it. Next thing I know, it's completed and submitted. I immediately cancelled it with the seller and informed them this was not approved. I then contacted affirm to get it cancelled. They not only refused, but insisted I must have made the decision to submit intentionally. The rep was kind about it and understanding, but said she could do nothing. I don't blame her and don't doubt she has her limitations, but considering this is an illegal, unapproved loan, I expected more of an effort to fix it. Their solution was for me to request a cancellation from the seller and wait a week or two for them to cancel it. That means a loan I never wanted and the credit check for it go on my credit report. Absolutely not ok with me. My credit score, flawless for 12/13 of the years it existed, has been completely ruined and screwed multiple times in the last year by things outside my control and I've had enough. I'm done being a floor mat. " COVID issues '' isn't an acceptable argument anymore ( not that it was ever a particularly great defense. A virus existing doesn't mean you get to abuse federal bailout programs, close active and up-to-date accounts, and violate signed mortgage alteration agreements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
XX/XX/XXXX I sent {$250.00} to XXXX for cash pickup. The transaction was stalled and I was asked to answer questions about why I am sending money to THIS particular person. XX/XX/2023 I sent {$270.00} to XXXX and the transaction was stalled and I was asked to answer questions about why I was sending money abroad. The company policy was clear that money could be sent abroad for taxes, services, paying bill, etc. However I was told that MY transactions would be stopped and refunded if I did not send to friends or family. I was told that I would not be allowed to use the services of the money transfer company to pay for international interests. The transaction on XX/XX/XXXX was put through, the transaction on XX/XX/XXXX was refused by the company and immediately refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-12-19
Company: Experian Information Solutions Inc.
State: IN
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 contacted the company to opt out of sharing my personal information with third party non affiliates per 15 USC 6802 and 16 CFR 313.7 ( f ) Continuing right to opt out and no action has been taken by the company.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: AL
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:
Experian has inquiry accounts that I did not agree upon and did not authorize an agreement on.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NV
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 disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with Experian, XXXX, and XXXX several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX Loan was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on Experian, XXXX, and XXXX after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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