BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$440.00}

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 2023-02-01
Company: Plastiq Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to send money domestically to a vendor for a series of items at an agreed upon price. I entered my payment information and received confirmation that my credit card was charged. The next day, I then received notification that my transaction was canceled because the bank was " unable to support '' my transaction. I was referred to a document on their website about supported purchases. My purchase did NOT fall under any of the unacceptable items and could easily be categorized in several explicitly acceptable categories. I then resubmitted the request with updated information, and again the transfer was cancelled with no explanation. I then attempted to contact the company using the links they provided. I tried the phone number listed on their website, but it was an unmonitored number and would not connect me with a representative. I then tried the " chat feature '' I was referred to, but this was automated and also didn't have any method to reach a human. I then emailed the account services team with my complaints/concerns, and I was reconnected with the same representative ( XXXX XXXX who canceled my transfers in the first place. I was rudely told I was no longer welcome to use their services, and I was not given an opportunity to explain my rationale or logic for the transaction. As a result of these transactions, this banking company has a significant portion of my funds being held for 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-01-02
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2019, I refinanced to reduce my interest rate. I was matched with UWM ( United Wholesale Mortgage ). Within the first 2 months, i tried to setup by monthly payments to try to pay off the mortgage quicker. I was told that i need to make 2 months payments in order to begin the by monthly payments. After i made 2 months payments, i was told the money was applied towards the principle. I was told to make another 2 months of payments. After 2 weeks i called and was told the exact same thing. Within 2 months, i made 6 months worth of payments. Then COVID hit. I lost my Dad and then i lost my job. Because i had made 6 months worth of mortgage payments ( over {$25000.00} ) within 2 months, i had depleted my savings and was not able to make my mortgage payments. i applied for forbearance and was given. I am currently applying for the XXXX XXXXXXXX. The state is requesting information from the mortgage company and they are refusing to send the information. This has delayed my application for over 3 months and will cause me to lose my home to foreclosure. I also found out that the mortgage company that i thought owned my loan UWM is not the owner of my mortgage. The mortgage is owned by XXXX which owns UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX reporting immediately remove or block XXXX XXXXXXXX XXXX reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.

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: ProCollect, Inc.
State: FL
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:
A COMPANY COLLETOR IS TRYING TO COLLECT A DEBT THAT I DONT RECONIZED OR OWMED i dont know any from this company i never recive a call or letter or any explanation of this debt i never sign a contract or buy any product with this company Balance {$13000.00} Balance updated XX/XX/2023 Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account.

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 2023-08-05
Company: Experian Information Solutions 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, XXXX XXXX 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 an account without my written instructions.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having problems with portfolio recovery, they not only posting debt that have been changed off and have been written off, which I do not owe this debt legally. I would like them to remove this debt from my credit report, or I would like them to provide me with a written agreement that I borrowed this debt from them. Or remove this debt from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I had the electronic bill pay department at XXXX XXXXXXXX XXXX transfer 2 amounts to payoff the amount due in full on a XXXX 'XXXX XXXX  XXXX issued by Comenity Capital Bank. These two checks, in the amounts of {$1400.00} and {$81.00} cleared the banks on XX/XX/XXXX. The payment due date was XX/XX/XXXX. Comenity Capital Bank has not credited my account to date for these amounts even though, XXXX XXXX has provided them with proof of payment made and received and I've provided them with copies of the statements showing the amounts debited from my checking accounts. 

XXXX XXXX also arbitrarily changed or altered my account number for the two months when the company claims to have lost or never received my payment. 

I have, on a weekly basis tried to resolve this matter since XX/XX/XXXX. Additionally, I've been on XXXX conference calls between XXXX XXXXXXXX XXXX  and Comenity Capital Bank to try and correct this accounting error but to date, Comenity Capital Bank who has received proof of payment in writing from XXXX XXXX refuses to credit my credit card account for the total amount paid of {$1400.00}. This, is resulting in interest charges being applied to my account by Comenity Capital Bank. Comenity Capital Bank is making no effort to communicate or to resolve this error in accounting on their side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
insurance company paid for this radiology bill, my documents stated insurance carrier paid the balance in dispute, i informed them several times, with documents several times,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

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 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX XXXX, I have received American Express Card number ended with XXXX I have used it XXXX time in XXXX XXXX on XXXX XXXX  for {$6.00}. 
the Annual fee was high {$150.00}. 
On XX/XX/XXXX, while I was traveling, I called the international Customer service line ( XXXX XXXX XXXX ) and asked the lady on the line that due to a high annual fee is it possible to cancel the card and refund the {$80.00} payment I made at that time She said yes and you should get a refund of {$80.00}. I was happy at that time, and I have asked her to send me E mail Confirmation. 
and she did Below is a copy of the confirmation. 
___________________________________________________________-___ XXXX XXXX This message is to confirm that American Express has processed your recent request to cancel the following Card account ( XXXX ). 
XXXX XXXX ending in XXXX If you have other Card accounts registered for Manage Your Card Account online they will still be available online at americanexpress.com. 
_____________________________________________________________________ then after XXXX week I called. Customer Support XXXX XXXX XXXX XXXX requesting the fee refund. 
the lady on the line told me that refund. should be send if you cancelled within 30 days. 
then I asked to reactivate the card and I will pay the fees since I have been misinformed, they refuse to reactivate the card or pay the refund. 
not only that I have received a late charge and interest, I have spent a lot of time chatting and calling by phone with support with no resolution I have opened a complain case # XXXX I have asked for E mail confirmation for the case but they refused to do so. 
Now I'm still receiving statements for late charges and interests for a service i did not use only once. for a mistake that the support did, I'm XXXX  year 's senior citizen and I am very frustrated by this way American Express handled my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: NEW YORK COMMUNITY BANCORP INC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I haven't. been late in over 2 years but according to them I have, i thought it was because I was sending it to XXXX XXXX XXXX XXXX, Texas XXXX, but I sent my payment to the address listed on the bottom of the mortgage statement XXXX XXXX XXXX XXXX Texas XXXX they are still calling and leaving vms and sending letters like I am in need their help in managing my mortgage. In addition they are saying that I am putting the wrong loan number on my money orders when I have it memorized XXXX it hasn't changed since 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 2023-01-03
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-01-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote 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 2023-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

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 2020-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EQUIFAX AND XXXX  HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credence Resource Manage : Ok so on XX/XX/XXXX I got evicted out of my apartment at XXXX XXXX XXXX XXXX XXXX. I was homeless couch surfing here an there until I got into a relationship, the relationship became toxic I ended up in a XXXX XXXX which landed me at the XXXX XXXX I was admitted into the shelter I believe XX/XX/XXXX my discharge date was XX/XX/XXXX. I moved into my apartment XX/XX/XXXX where i'm still located. I can provide proof if need be but there's no way I opened an account with XXXX in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Our mortgage is held by US Bank. We accepted a forebarrence plan that would run from XX/XX/XXXX to XX/XX/XXXX. I had asked to extend it until XXXX of XXXX, but they said it ran out. So, we applied for and were accepted for a Deferral Agreement to add the amount of the forebarrence to the end of the loan. We signed everything and submitted all the documents they asked for. As of today, XX/XX/XXXX, on my online account it states that the process is 75 % complete and could take 85 days to complete. In the meantime, our payments would resume at the new amount beginning XX/XX/XXXX. Starting in XXXX in XXXX, we received letters in the mail that we were in default and they would be starting foreclosure proceedings. All the payments the are falsely considered late were included in the forebarrence and now in the Deferment agreement. Nothing has been reported and nothing appears on my online account about any foreclosure, just the mail. I made the XXXX, XXXX payment, but they sent back a check for {$17.00}, stating suspense, but it doesnt show where the remainder of the payment went or where it was applied. I also made the XXXX payment, and am now waiting to see if that either gets applied or returned. 
I have talked to several people at US Bank, but no one seems to have any answers. I also wrote letters to 2 US Bank departments and the Law Office mentioned in one of the letters, but have not received any replies.

I need this resolved ASAP, before they think they can take my home. We did and sent and signed everything they asked and still ended up in this mess.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: AR
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:
In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items 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 XXXXXXXX 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 explanation