BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: FISERV INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received two letters 2 weeks passed the date it says at the top which is XX/XX/XXXX from TRS. One says I owe XXXX the other XXXX to a XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I never been over there, ever. I called XXXX XXXX and they sent me proof a consumer report of never going over there ever. To the hotel or to the casino. I made a police report # XXXX in XXXX bc my purse was stolen however I don't even have checks that TRS recovery service is saying that has this address on it. My checks have my other house address. I called the sheriff in XXXX XXXX indiana. He thinks TRS is a scam. When I talk to TRS they sound so unprofessional. I try to go the ensure to dispute it. Its weird. They Barely knowing how to talk. To somebody. They Don't want to help me or think I'm lying. I need to get to the bottom of this bc this involves gaming officers. I get no help from them only to to go a website.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 correct : XXXX XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$180.00}

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 2019-01-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for the Amex EveryDay card with the sole intention of transferring {$10000.00} upon approval since they were offering 0 % balance transfers and 0 % APR for 15 months. I thoroughly looked through the terms and conditions, and all applicable additional information online, found at the following two Amex websites : https : //www.americanexpress.com/us/credit-cards/card/amex-everyday/ https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/amex-everyday-credit-card/36502-10-0/? pznOfferCode=2USH-57UK9D-31LD-SZW # FeeTable There is no mention on the website about a maximum amount you are allowed to transfer with the exception of " You may not request a balance transfer amount less than {$100.00} and the total amount of balance transfer request ( s ) must not exceed your credit limit. '' Seeing that I was approved for {$15000.00}, I should be eligible for a $ XXXX balance transfer. However, they told me that their policy only allows for a total transfer of {$5000.00}. This is very misleading. 

Furthermore, when I was on the phone with Amex, they told me they could up the balance transfer to {$7500.00} because it was their current policy. I told them that still wasn't the $ XXXX  I was planning to transfer. When I spoke to a supervisor telling her this, she said that the {$7500.00} offer was revoked after I was approved for the credit card. 

XXXX was the name of the supervisor, and she put me on hold to review the terms and conditions. When she came back, she told me that I was absolutely right, but they weren't going to do anything about it immediately. 

At the very least, I'd want to transfer the $ XXXX that I planned. However, because Amex was misleading in their terms and conditions can not do that with this card. I would have applied for another credit card that honored their terms and conditions but having applied for this card hurt my credit score. I don't feel comfortable getting another card with another credit company because my score has already taken a hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
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: Account status incorrect

Complaint:
XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further 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 explanation
Consumer complaint received 2018-09-18
Company: EQUIFAX, 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:
On XX/XX/2018 I contacted Equifax about an ongoing ID Theft Case that had already been reported to their company on my personal credit report. I was advised by the customer service agent to fax all supporting documents to substantiate my claim to XXXX. He advised me that the investigation would take 30 days and that I should submit my documentation during that time frame. On XX/XX/2018 I faxed my police report, FTC Fraud affidavit, ID, Social security card, proof of current address and proof of address at the time of incident as advised to XXXX. My FTC Fraud affidavit specifically outlined the name of the accounts in dispute, the account numbers reported, and the amounts disputed. A few weeks later I received a letter from Equifax dated XX/XX/2018 stating the following " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. '' This is totally unacceptable and obviously a stall in the process of doing what I SPECIFICALLY asked them to do. Attached you will see the FTC affidavit that lists the account names, numbers and nature of the dispute as they asked WITHIN the specified time frame from my original call on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2023-10-25
Company: Bread Financial Holdings, Inc.
State: NV
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:
Received an offer from XXXX XXXX XXXX credit card, " Earn {$100.00} statement credit. Use the XXXX XXXX Credit Card and spend {$400.00} within 60 days of account opening. '' Spent {$500.00} and paid it in full. It's been 2 months so I followed up. I was told that I needed to spend the money on the XXXX store. Yet this appears no where in any of the fine print.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
TransUnion on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by 60 points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures TransUnion took the website would block me.

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 2023-07-21
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery purchased my account from florida hospital back in 2022 which as already removed from my credit report to be placed again on experian and XXXX as well which is illegal.This agency could not properly verify my information.Never had i had a contract or arrangement with this agency the hospital failed to file m claim through carefirst blue cross properly and missed the extension to file again was contacted by insurance and was told on a recorded line that they would properly remove this and they are at fault. therefore wrote off the bill as a right off and sold it to recoup the money.

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 2020-12-18
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: Account status incorrect

Complaint:
XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further 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 2020-06-05
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PHH has failed to correct the amount they are reporting as a balance for my loan via their website despite repeated and numerous contacts ( emails, phone calls, Notice of Error ). PHH has not corrected the error since I first notified them 109 days ago. This is an unacceptable, deplorable amount of time that, regretably, seems aligned with their general approach to providing customer service. 

PHH 's written response to the Notice of Error letter simply restates information I already know ( my loan servicing was transferred from the originating financial institution to a secondary institution ( and *not* PHH ) and requires me to take action that I have already taken twice ( and shared the results with PHH each time ). 

PHH is reporting an incorrect balance even though their own documentation correctly shows no balance as of the date of transfer and confirms they were never the servicer of this loan. 

Based on my experience, I recommend avoiding financial transations with PHH/XXXX  if you have a choice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are multiple credit inquiries on my credit report that I did not request or give permission to any of the companies that pulled my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Debt Pay GateWay in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This company is taking {$14.00} dollars from settlement to pay XXXX XXXX XXXX but since I received an email from XXXX that they will close the account and will not representing me no more the company GateWay still taking the same amount every month after I talk to them and said they will look at it, but I havent heard nothing. Could you please please look in to it or what could you do about it. Thank you for your time and hope I could hear from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with Discover and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for XXXX than from XXXX and then compared the two report and noticed my opened Discover credit card account was no longer reporting to my XXXX credit report. It continues to report to XXXX and XXXX. I called discover several times regarding this issue in XXXX and was told to that they are reporting the card to XXXX and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called XXXX and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to Discover they direct me to contact XXXX and when I speak to XXXX  they direct me to speak with Discover. I have paid my bill on time since have the account for XXXX  years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Asked them to stop Calling me as I am using a third party service to settle my debts. They have continued to call me, most recent XX/XX/2020 and XX/XX/2020. They have also called my MOTHER and my FATHER post me asking them to cease calling. My mother was contacted yesterday, XX/XX/2020, after I again asked the woman who refused to identify herself on my phone for several minutes, to stop calling. This is harassment and I want it to stop. They had ceased Calling for several months and I do not know why they have started again. The company is American Express.

Company response to consumer: Closed with non-monetary relief