BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}, XXXXNELNET XXXX Balance Owed : {$0.00}

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 2023-04-22
Company: EQUIFAX, INC.
State: IL
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : Possible Predatory Mortgage Practices by XXXX Seterus, and Mr. Cooper In the year of XXXX, I became a proud homeowner with a {$54000.00} 30-year mortgage with a 6.1 interest rate : not the best, but manageable. In this year of XXXX, I should be four years away ( XXXX ) from obtaining my dream goal of complete home ownership. Instead, I am in an extremely distressed situation still owing a mortgage with an unpaid principal of {$52000.00}, with a maturity date of XXXX/XXXX/XXXX. This letter is an attempt to initiate an investigation into what I consider extremely gross, and exploitive mortgage extension practices initiated by XXXX. The following is a brief overview of the situation. 

Specifically, there are three problematic areas initiated by XXXX  : 1 ) Twice denial of advertised low 3.5 % interest rate. Between the years of XXXX and XXXX, XXXX offered the 3.5 % twice. During the first offer, for days I engaged with a representative in telephone communication and supplied requested information. The next step was a scheduled appointment with a rep visit for signature. Within in 15 minutes before the appointment, I received a call from someone at XXXX  informing me that I would not get the new rate because I did not have enough insurance on my home ( {$140000.00} ). Immediately, I contacted someone in management about the issue, which turned out to be a useless reply of What do you want me to do about it? A couple of years later, XXXX made a second offer, and I reapplied with no success. Instead, my mortgage was extended by 20 years and sold/transferred to Seterus. The further sting by /XXXX  is that I was a good steward with my mortgage payments never missed one, and never got the reduced mortgage rate. The irony here is that currently on my credit report, XXXX noted an excellent rating. 

2 ) Undisclosed mortgage extensions. XXXX sold/transferred my mortgage to Seterus with 60-year mortgage ; afterwards, the mortgage was transferred to Mr. Cooper with 50-year mortgage term.

3 ) Currently, the latter mortgage is the most abysmal in which only {$25.00} ( {$300.00} annually ) of my monthly mortgage payment of {$500.00} ( {$6000.00} annually ) goes toward the principal. Again, with an estimated maturity date of XXXX. Recently in XXXX, I reached out to Mr. Cooper requesting an adjustment on the mortgage, extension, and an equity withdrawal of {$10000.00} for minor home repairs. Not surprisingly, my request was denied due to credit. As with XXXX, I have been a good steward paying my monthly mortgage. 

In closing, as you can XXXXmagine, this is a very distressful situation. Please help with any recourse I may have with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of 2023 I called the credit card company to inquire about any fees I would incur should I use my credit card during my upcoming trip to the XXXX. I was informed by the agent on the phone that I would not be charged any extra fees if I used my credit card internationally. Because of this information, I decided to use this card for all expenses on my trip to the XXXX in XX/XX/2023. When I received my bill, I was charged foreign currency fees in the amount of {$76.00}. I called the company several times to discuss my concerns, let them know that I was told by the agent in XXXX I would not incur any charges, and I attempted to come to a resolution. I was told to send a message to the credit card company outlining my dispute. In this message ( and during several phone calls after ) I requested a review of the conversation that took place between me and the agent in XXXX. 

I called today in an attempt to access these messages in order to support my complaint here, but was told by a representative in the dispute area that these messages couldn't be retrieved. The written correspondence between me and the credit card company has " disappeared ''. 

I paid the entire balance ( {$2600.00} ) of my legitimate charges in full and on time in XXXX. I did not pay the foreign fees, since I was told directly by the credit card company prior to the purchases that I would not incur any additional fees and I filed a dispute. 

Up until today, as far as I knew, based on the messages that I sent, a dispute was in process. 

When I called today to retrieve the written correspondence the agent said there was no dispute and I need to pay the current amount, {$190.00}. This amount includes interest and several late fees on the wrongful charge of {$76.00} back in XXXX. I again requested to have my phone conversation reviewed, but he said it " most likely wouldn't matter '' if he did that. 

In addition to the wrongful charges of {$76.00} in XXXX, I have now been charged an additional {$120.00} in interest and late fees on the wrongful charge. Also, my credit score dropped XXXX points as a result of the credit card company reporting on this issue. 

Today I offered to pay the initial charge of {$76.00} if the credit card company was willing to remove the late fees and interest charges and withdraw their report that took my XXXX score down XXXX points. They were unwilling to come to this compromise, which I believe was generous considering the initial charge was one I was directly told by the agent who works for the credit card company that I would not incur. 

I look forward to some resolution on this situation. The credit card company has been unreasonable and unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I sent my dispute letter and asked for a thorough investigation Experian response was any information received from the other party is accurate which is not fair meaning they are not doing a complete investigation and " I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' The reporting of these accounts ) is are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) 1 : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2023-04-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 belongs to someone else

Complaint:
I am writing to file a formal complaint against Chex Systems Inc. for their unauthorized acquisition and sharing of my personal information, which is in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. As a consumer reporting agency, Chex Systems must comply with these legal provisions, and I request the CFPB 's assistance in investigating and rectifying these violations. 

My concerns regarding Chex Systems ' violations of consumer protection laws are based on the following : Unauthorized Acquisition of Personal Information ( Section 604 of the FCRA ) : Chex Systems has obtained my information without a permissible purpose, which constitutes a violation of Section 604 of the FCRA. 
Unauthorized Sharing of Personal Information ( Section 604 ( a ) ( 3 ) ( A ) of the FCRA ) : Chex Systems has shared my credit report with an employer or another entity without my written consent, which constitutes a violation of Section 604 ( a ) ( 3 ) ( A ) of the FCRA.

Charging Banks for Personal Information ( Section 612 ( f ) ( 1 ) ( A ) of the FCRA ) : Chex Systems has charged banks for my personal information without adhering to the restrictions outlined in the FCRA, which constitutes a violation of Section 612 ( f ) ( 1 ) ( A ) of the FCRA. 
Privacy Protection ( Section 609 ( c ) of the FCRA ) : Chex Systems has failed to protect my sensitive information, such as social security numbers or dates of birth, when sharing it with another business, which constitutes a violation of Section 609 ( c ) of the FCRA. 
I have attempted to resolve these issues with Chex Systems directly by sending a formal written complaint. However, I have not received a satisfactory response, and the unauthorized acquisition and sharing of my personal information persist. 

The following actions are requested to rectify these violations : Investigate Chex Systems Inc. for non-compliance with the FCRA and other consumer protection laws. 
Ensure Chex Systems ceases the unauthorized acquisition and sharing of my personal information. 
Direct Chex Systems to remove any unauthorized or inaccurate information from my Chex Systems report. 
Require Chex Systems to provide me with a free copy of my consumer report, as per my entitlement under Section 612 ( a ) of the FCRA. 
I trust that the CFPB will take appropriate action to protect my rights under the FCRA and other applicable consumer protection laws. Please keep me informed about the progress and outcome of your investigation. 

Thank you for your attention to this matter. If you require any additional information, please do not hesitate to contact me. 

Sincerely, 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
Consumer complaint received 2023-11-02
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my credit card with TOTAL CARD VISA on XX/XX/XXXX over the phone. I paid my credit card bill in full prior to closing it. I spoke with a representative named XXXX who helped process the closing. I was told over the phone that the monthly fee of {$6.00} and annual fee of {$48.00} were refunded/waived. I paid a total of {$310.00} ( including the waived annual and monthly servicing fees ). After being waived, my account online now shows my balance is negative {$54.00} ( {$6.00} + {$48.00} ). I was also informed that a refund in the form of a check will be mailed to me. All of this happened on XX/XX/XXXX. I was never given a timeline on when I am going to be receiving the refund/check. It is now XX/XX/XXXX and I have yet to receive any refunds from TOTAL VISA. I had called numerous times and had been repeatedly told the check will be mailed and has not been mailed yet. I have attached a screenshot of my statement showing the fees I paid, their reversals and the total amount of what I paid. 

Name of credit card company : TOTAL CARD VISA ( XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MI
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Jormandy, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My payday loan loan was with XXXX XXXX XXXX XXXX, I lost my job back in XXXX and was unable to pay the loan back. I tried to make good of the loan but did not know that they were out of business and fined {$15.00} XXXX and stripped of its state charter. A company that apparently bought the old debt after it went out of business has been trying to collect {$1700.00} ( Jormandy LLC ) on a loan that was initially in the amount of {$600.00}. They have placed a judgement on my credit report and it has been there for a very long time. The statute of limitations on this debt in the state of VA was 5 years in Delware was 3 years. It is now XXXX. How can I get this debt removed from my credit report as well as stop the company from contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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
Consumer complaint received 2023-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a victim of identity theft I have sent Bank of America my police report, my XXXX report and other documents, stating that I am a victim of identity. My roommate for 20 years was using my baby stealing money for me and ruining my life.

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 monetary relief
Consumer complaint received 2020-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with a unnamed collector at around XXXX XXXX from Portfolio Recovery Associates, about a XXXX XXXX Debt. In the last 7 days, I received several calls about this debt, even though I requested a Validation of debt. At least 3 calls took place in between this time. When I did get on the phone, I offered to settle the debt in order to avoid a complaint with the CFPB or FDCPA. Offer was refused, I then was transferred to the operations manager, a female, and we talked about the communication that proceeded after the Validation of debt. She stated that I had to give them something in writing to stop the communication. I asked her what FDCPA and CFPB have to say about the communication after a validation of debt has been requested, she stated that she I cant get into the legalities of that she refused to answer, than proceeded to state that she will go ahead and place a Verbal do not call on file advised her that will offer her 1 Opportunity to settle what ever balance she is discussing for {$120.00}. At this time, my request was already for a validation of debt, and she seemed to lack the simple understanding that a validation of debt, also serves as an automatic Do not call hence the term Validation of debt she is clearly in violation of the CFPB and FDCPA. I am no longer here to allow credit companies like this 1, to take advantage of people. Collection agencies require more regulation. Unacceptable that an operations manager would yield to not answering a question, about consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: MRS BPO, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I started receiving letters from a MRS BPO LLC @ XXXX XXXX XXXX XXXX XXXX, NJ XXXX saying I owed {$17000.00} I know that this is a scam as I am well aware of my past and current debt and have had excellent credit for years. I sent them a response via certified mail requesting the original signed contract, the age of debt ( statute of limitations ), date of last activity and date of first delinquency and noted that re-aging is not legal. 
In XX/XX/XXXX, I received correspondence from MRS BPO LLC which consisted of 3 pages of hand typed columns with " {$11000.00} '' typed into each box with dates from XX/XX/XXXX - XX/XX/XXXX. 
The debt date is typed in as XX/XX/XXXX. 
A charge off date is typed in of XX/XX/XXXX. 
Date of last payment was typed in as XX/XX/XXXX. 
Date MRS bought the file was XXXX/XXXX/XXXX. 
Where my name and address should go, it listed a bankruptcy attorney 's name and address as : C/O XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, WA. 
XXXX XXXX is a bankruptcy attorney in XXXX, WA. 

This is not a valid debt. MRS BPO LLC needs to be fined. 
The lawyer who is referenced in the address bar is also suspicious and needs to be investigated - If XXXX XXXX has sold her bankruptcy client 's files, she needs to be disbarred. 

I sent a cease and desist letter today to MRS BPO LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$940.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my 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 2023-10-12
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial sent a letter to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX It was in my maiden name which wasnt my name at the time this supposed ambulance ride occurred. It hadnt been for 9 years. It was for a person I do not know. I responded to the letter that this was not my debt. They sent out a second letter which generated a statement. I called the number telling them this debt is not mine, I did not know this person. He was very rude and combative. He had my phone number and the last 4 of my SS, which was very alarming. He insisted I verify if the last 4 belonged to me and got very angry when I told him I wouldnt verify that information. I just got a third letter telling me I needed to provide proof of identity theft. Which.. this happened apparently 3 years ago ( XX/XX/20 ) and Im just finding out about it now. The person was XXXX XXXX XXXX at the time they were transported and this debt occurred. I have asked them to disassociate me from this debt via telephone and by their website. Yet, the third letter still came. I need to find out how to remove my name from this debt and get them to stop harassing me about it.

Company response to consumer: Closed with explanation