BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was supposed to catch a XXXX from XXXX to XXXX to visit a friend. On my way to the XXXX pickup location, I picked the ticket for Saturday, XX/XX/XXXX. I bought the ticket en route to the pickup location. Once I arrived at the location and tried to board, I was informed the online system booked my ticket for the XXXX and not the XXXX. I called XXXX to try and fix the problem, and they refused to change the date of the ticket and they refused to allow me to board the bus I was currently waiting to board. Once they refused, I asked for a refund and they would not return the funds. Once they refused, I called American Express regarding my AmEX Serve Card charge the exact same day. I was told a dispute would be submitted on my behalf and to expect the funds back in my account in 7-10 days. 

The XXXX ticket didn't show on the charges but my account was short XXXX. On the XXXX, there was a new charge for the XXXX ticket. I never used the ticket. They wouldn't let me board the bus. I then called American Express. I was told a dispute was never filed and that one would be filed that day. I received an email in XXXX stating they would need a screenshot of the disputed transaction and additional information for the investigation. I received that email on XX/XX/XXXX. I replied with the information and received another email on XX/XX/XXXX saying the information was being reviewed and they would need up to 45 days to investigate. 
It is now the XXXX and I have not received anymore correspondence or additional information. Everytime I call I get a different answer about what exactly is going on and no one seems to know what they are talking about. 

According to Reg Z of the Lanham Act, a banking institution can take up to 45 days to investigate a chargeback dispute. However, if they do take the 45 days, they are required to provisionally provide the funds to the cardholder until the issue is resolved. American Express Serve did not follow the procedure, at all, and when I call to ask about their lack of compliance their Customer Service team seems to have no idea what the Lanham Act even is. 

I should not have this hard of a time recovering XXXX. I have no reason to lie. American Express is responsible for following the law and the Lanham Act was started to prevent issues like this. It took all of 2 minutes for XXXX to take the funds, and it has now been almost a month and I haven't gotten any of it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MO
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:
I am requesting specifically regarding the reporting of late closed account. I have carefully reviewed my credit report from your agency and have identified inconsistency that I believe require immediate attention and removal. The 3 credit bureaus shall be removed this late closed account. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am very pleased to request that you investigate this matter promptly and removed the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this late closed account.. I expect your prompt attention to this matter and a fast resolution.This XXXX XXXX Balance Owed : {$0.00} should be removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are seven months behind on mortgage payments. We requested forbearance twice due to medical costs and are still in litigation with our homeowners insurance company due to Hurricane Ida damage -- the company ( XXXX ) went insolvent in XXXX of this year and as a result all has been delayed. SLS did not acknowledge our requests for forbearance and when we applied for modification ( twice ) they only offered the option of short sale or deed in lieu. We tried to pay one month 's payment to begin catching up and sent through XXXX XXXX as certified funds but SLS refused the payment and took over a month to send it back in the form of a check. They are refusing to allow us to pay anything less than the full amount needed ( in one single payment ) for reinstatement even if it would bring us within 60 days overdue whereupon we could enter into a repayment agreement with slightly larger monthly payments for a few months. This is making it impossible to catch up and they keep adding fees to the amount ( approximately {$4000.00} at this point! ). We feel like we are being forced into bankruptcy because they will not work with us.

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 2022-01-27
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in public education for over 11 years and have had the correct consolidation process and correct payment plan all along to count toward PSLF. However, every year my serviced did not calculate my payments correctly, and during the process of correctly calculating the astronomical payments, they placed me on excessively long administrative forbearances. These not only further delayed my eligibility for loan forgiveness, but also accrued an astronomical amount of interest that capitalized to the principal balance. I have repeatedly asked for the process of filing complaints, whom I can speak with to resolve this issue, and how to generate a bill for those payment periods. I still have yet to receive a response. Anytime I call, I am old hold for hours and eventually request the callback. Never can get anyone on the phone. I sent the XXXX message to FedLoans and they said someone would reach out to me, but I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credt Reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me!

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same.

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ms. XXXX, Your statement isn't quite true or accurate. IF my loan was, according to you " intended to be boarded '' by the XXXX XXXX, IL office all along, why did you in route documents and payments to XXXX, XXXX, CA?? You do realize NONE of the payments I make go to XXXX XXXX, IL, but to XXXX TX!!?? I don't know about you, or your organization, but in my business, I don't route payments to XXXX, or XXXX, when the payment and all documentation is in XXXX! I want / have the payments sent directly, straight to XXXX ... that's called efficiency! 
Your response fails to mention or acknowledge the MITIGATION documents sent to me by YOU ... XXXX XXXX, IL by XXXX XXXX!! ( Where the loan and documents are " boarded ''!! ) Those documents were dated XX/XX/XXXX.! 
Please explain to me ( AND to Mr. XXXX ) WHY I am receiving from you, loan and personal information in an UNSEALED envelope, ( included in your communication to me ) Mr. XXXX XXXX XXXX of XXXX, GA XXXX Loan # XXXX!! ( I only included the last 4 numbers of the loan ) ... I may be mistaken, ( but I don't think I am ) ... it is against the law to disclose someone else 's personal and loan information ( unless they give you permission )!! 
I just wonder, who's received my personal information! Once again, because of your lack of professionalism I am having to refinance at great cost to me, another loan from your organization! Doing business with you is extremely costly, Dovenmuehle/XXXX XXXX XXXX! This now makes 2 loans, 4 sets of documents, inspections, filings of documentation, and titles documentation that you should reimburse me for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar claimed my house was foreclosed last XXXX ( XXXX ) and sale date was recently set for XX/XX/XXXX. I never received any notice of either hearing or judgement based on non-appearance ( only mail required regardless of receipt ). I have numerous correspondence with Nationstar including CEO asking for help in resolution before this action and never given responses or options. Prior, Nationstar had erroneously foreclosed and had took title of house in XX/XX/XXXX. I had an XXXX XXXX  which was to avert disclosure and pay off most of the following year expenses for taxes and insurance. Foreclosure was vacated in XXXX but title not reversed until XX/XX/XXXX!!! after numerous appeals to company and lawyers. As a result of title issue, I could not buy insurance and taxes XXXX XXXX % due to loss of homestead appeal. In the meantime, Nationstar sold the loan first to XXXX around XX/XX/XXXX. I notified XXXX  that I wanted to get forbearance under CFPB regs for lenders to " double down '' on helping borrowers avoid foreclosure. XXXX denied any knowledge of CFPB. I sent request in writing and never got response. Apparently, same lawyer represents both Nationstar and XXXX. Recently, loan was again sold to PHH with my asking for forbearance and no knowledge of CFPB requirements. Last week, I discovered that another party bought " mortgage '' of $ XXXX that was to be forgiven after staying in house for 2 years, apparently hindered by the change in title. Lawyers for Nationstar have been very uncooperative. Not returning calls for 10 days, taking almost a month for getting payoff data full of mistakes, refusing to even respond to my attorney in a timely manner when I am facing eviction in less than a month. I had a buyer but the delays and title issues may jeopardize. I believe that the law firm colludes with Nationstar to drag out responses until time runs out. I have already written to Secretary of HUD regarding the failure to follow procedure during the foreclosure process last year. I am now seeking help with CFBP to help. I have further evidence that the foreclosure may be in retaliation for a prior complaint sent to CEO of Nationstar. Further, the total lack of acknowledgment of CFPB existence and " double down '' efforts by banks probably impacts many who didn't work for the Secretary of HUD at one point and read through the regs. The lawyers avoid answering questions and providing answers. I fear that many other foreclosures will be made regardless of CFPB rules. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: CA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My credit report contains inaccurate reporting by XXXX XXXX XXXX. They have incorrectly reported that my payment for XX/XX/2020 was not paid within 30 days of the date that it was due. 
I submitted documentation to the company that shows clearly that the payment was made and the mortgage subsequently sold in XXXX to a new company so XXXX was not to receive the XX/XX/2020 payment. So they should have no rating for the month of XX/XX/2020.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My name is not being correctly reported. 
Billed without my consent for service I do not want or need multiple times. 
Company abused my personal information

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 2023-07-20
Company: EQUIFAX, INC.
State: AZ
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.

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 non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the following account : XXXX XXXX. I neither initiated nor authorized the opening of this account, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of this 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this account is closed with a XXXX balance I had to file for bankruptcy because Toyota kept harassing me over the phone and sending people to my house Toyota keeps ignoring my request and keeps hanging the phone on me all of this has caused me emotional stress and XXXX  issues

Company response to consumer: Closed with explanation