BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NJ
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 reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

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 2021-08-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow XXXX reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from XXXX showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX XXXX began the collection process for the same account. You can't collect on a previously settled 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 2021-05-17
Company: Reese Law Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Reese Law Group out XXXX, Ca. has been very uncooperative, in resolving my legal matter. 
I've satisfied my judgement as per our agreement with them, I've dealing with this company for over 3 years now, they been horrible in communicating with me. 
I agreed to settle the judgement, which I paid in full as per our agreement, I held my end of the deal, and they have not. 
I been waiting for a satisfaction of judgement since XX/XX/2021 I'm the middle of refinancing my property, and I'm at Reese Law Group 's mercy. 
Please help me resolve this legal matter since is jeopardizing me losing my Home loan. 
Looking forward in putting this behind me and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid 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:
PlayStation credit card issued by Comenity bank advertises a promotion for a {$50.00} PlayStation store card and free game credit up to {$75.00} on first purchase and {$500.00} spend respectively ; to be issued within 14 days of meeting requirements. Over 14 days after meeting requirements and Ive contacted Sony rewards customer service multiple times regarding the promotion but have not received any response, Im simply told the issue will be escalated, but after 10 days I havent received any communication. I have the emails detailing and confirming the promotion and the credit card statements showing Ive met the requirements and the dates on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for a, Care Credit Card for our Sickly XXXX  ... I was never told anything about Finance Charges, nor was I told it had to be Paid off in 6 months..

I have been paying on the Card monthly, never missed a payment..

The Balance, had Gotten down to {$930.00}.

I was Rudely Informed today, that Since It wasn't paid off in 6 months..

Now, they have charged me {$79.00} In Interest!

The guy i spoke to this morning Was Rude!

And, told me I should of had paid it in 6 months..

I told him I don't have that type of monies to pay off in 6 months..

I have never missed a Payment, nor been late!

I told him by law they can't do this..

He stated Yes they can!

I have other Credit cards, and haven't paid off the Entire Balance ... And, wasn't charged Almost {$80.00} at one time, in Finance charges!

I told him they can't do that, it's against the law..

He stated Yes they Could..

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 2022-07-12
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage ( UWM ) needs to remove the domain https : //www.myuwmloan.com/ When a borrower google search contact UWM the above link shows up. The link does not take borrower to a page where they can make an inquiry on their account. It is a non-working link. This is misleading to the consumer. I had to look at my billing statement to find a working phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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 XXXX 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 Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal 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  OPM 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. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/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 2021-08-31
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID-19 my bank ( Wells Fargo Mortgage ) offered me the federal gov instilled and backed mortgage deferral program - forbearance. 
After 14 moths of taking advantage of this offer and to defer my mortgage payments to keep my cash during the uncertain times, I have called Wells Fargo to restart my monthly loan payments.

Though, I am ready to pay my dues, they have told me to wait 6 weeks to make my first payment again. After checking my mortgage account I found out that my principal balance has increased by $ XXXX dollars. Not knowing the reason, I called Wells Fargo again to have it explained to me. They told me on the phone that this money is for past-due principal interest in the sum of {$2200.00} a month times XXXX = $ XXXX. 

My usual mortgage amount is $ XXXX/month and I feel this charge excessive to say the least. This is not what help looks like to me. 

The bottom line here is that Wells Fargo is taking advantage of hard working Americans who are trying to meet ends needs and trying to stay afloat by providing their families a roof over their head and providing food during difficult times. 
By taking advantage of this program, I have more than doubled my monthly house payment not deferring anything during the COVID-19 times.

That is NOT RIGHT!!!!!

Much appreciation for any help with this matter.

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 2022-12-28
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit 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:
REJECTING PayPal Credit answer or response because it is a bogus answer or response and is not attached with any proof of Software received by the merchant to have any such charge on my statement they are trying to submit as a valid statement. 

PayPal Credit was supposed to have directly contacted PayPal and shared the dispute with them as you can see they did not but wish to make a statement on behalf of PayPal. 

Send proof of merchandise received and the time and date of receipt of the merchandise. If you can not ( PayPal Credit ) then your act or actions are fraudulent to the point that I am not going to pay for something or be bound to you or anyone for something that I did not receive. 

Billed your merchant and report such to the credit bureau on your merchant. 

You are trying to use these undercover methods and ways thinking that you are going to scare me and place my credit score at risk for something that you failed to do and failed to obey and understand the regulations. Once again, I am REJECTING your response to the CFPB for it is insane for you to think that I am going to pay you for something that I never received and I timely and effectively reported to you over a year ago before filing this complaint with the CFPB. 

This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # XXXX Dear PayPal and PayPal Credit XXXX This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXX PRIVATE LIMITED XXXX XXXX XXXX XXXX B INFOWAVES PRIVATE LIMITED The receiver of this payment is Non-US - Verified XXXX XXXX XXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks XXXX XXXX XXXX : Consumer Financial Protection Bureau

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 2022-11-04
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 ; I did not give them 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 2023-06-23
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was contacted at XXXX XXXX  while in Hawaii from XXXX XXXX regarding collecting debt for Hunter Warfield. I have repeatedly asked to stoped being harassed and to be removed from the call list. The call was from XXXX XXXX XXXX florida Hunter warfield XXXX XXXX XXXX XXXX XXXX XXXX  florda I am tired of being called at these hours and want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: SYNCHRONY FINANCIAL
State: CT
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:
I disputed a charge is on my credit card over a year ago. I had ordered an item with overnight delivery it showed up several days later than expected so when XXXX came to the door I told the driver I was refusing the shipment she said no problem. It was returned to the merchant I do have a proof of delivery from XXXX that says shipment refused merchandise returned to merchant. I disputed the charge I called the merchant several times to no resolve. I have literally spoken to synchrony bank probably XXXX times regarding this matter. I have since closed the card and it is now affecting my otherwise perfect credit score. They call me from an automated service every day But I am unable to speak to a person they send me letters but nobody will resolve this matter. I am hoping that you will be able to assist. I never received the item I will never pay for it but it is affecting my credit score which is quite disappointing from a large bank like synchrony. My cell phone number is XXXX if you should need to speak with me Thank you!

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 2021-08-05
Company: Experian Information Solutions Inc.
State: GA
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 filed a complaint with XXXX  to have so inquiries removed from my credit report, XXXX  deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my XXXX  credit report that I want deleted I do not recognize these inquiries and would appreciate if XXXX  delete these inquiries, I have filed a FTC identity theft report and sent to XXXX, you can not get all these inquiries on this FTC report, so Im sending the screen shots to XXXX and show them that the rest needs to be deleted

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 2021-08-05
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Since XXXX, my payments to TD Bank ( XXXX XXXX XXXX XXXX Acct ) have been purposefully misapplied by TD Bank during the no interest promo period for two promotions expiring XXXX and XX/XX/XXXX. I have consistently paid more than my minimum due with the explicit direction to apply the overage to the XXXX and XX/XX/XXXX expiring promos. TD bank reps advised and confirmed they would apply my over payments as such and they have not. Ask them to provide the recorded conversations from the call center. They are applying the extra to all promos and this is incorrect. All payments over the minimum I was advised numerous times that the customer can apply to specific promo balances. After numerous calls to customer service and an email to " escalation management '' the saga continues to force me into being subject to higher interest rates based on its refusal to provide payment reconciliation and avoiding addressing the issue by conflicting messages by customer service reps/supervisors. Today alone, I was the phone for over an hour and transferred to 4 different persons and no one has answers. Customer service reps and supervisors now allege there are " bank laws '' that preclude them from correcting the mistakes. When I asked for the bank law citation or rule in the agreement, they refuse to substantiate the bogus reasoning or provide relevant references. This baffle them with confusion and hope they go away tactic is unacceptable and is an example of deceptive trade practices. 
Please help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a medical collection from Phoenix financial Also I have multiple inquiries That I have no clue about Months ago I was robbed and I guess because there was no password on my phone someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving SPOOFED PHONE CALLS phone calls from an American Express offshore debt collector, XXXX XXXX XXXX. They are calling multiple times per day. I have attempted to speak with them and settle with them and have told them they can call me within the limits of what the law allows. However, they are calling me multiple times per day, harrassing me, even after I speak with them. They are masking/hiding their true numbers intentionally, calling from spoofed numbers appearing to be in my area or in a nearby city. I have spoken to them multiple times telling them I have lost my employment due to COVID and they are welcome to call me each day if they want to, but they are calling, 3, 4, 6 or more times per day, attempting to offer settlements and are changing their phone numbers repeatedly so that it appears I am getting calls from what I think may be job recruiters, etc. They become angry when I ask for an offer to settle in writing and one representative told me that they are not based in the United States and are not subject to the laws of the United States. 

The callers are in and from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 acXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX BANK Account # XXXX, XXXX XXXX  Account # 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

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 2023-02-24
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
I am XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

Address : XXXX XXXX XXXX XXXX. Texas XXXX Account # XXXX XXXX XXXX XXXX SS # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief