BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: PROVIDENT FUNDING ASSOCIATES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage is with Provident Funding, it was started in XX/XX/XXXX. Payments were regular and on time. In early XXXX we had Hurricane Irma here in Florida and it tore down my fencing. As a natural disaster I obtained a forbearance with the thought of skipping mortgage for 2 months to pay for the fence. Unfortunately I became XXXX soon after and was not going to receive insurance for awhile so I used the full 6 months of the allowed forbearance which is within all rules and regulations set by the lender. Unfortunately there are no regulations to limit lenders on how the " restructure mortgages ''. Although there were options that I could not afford, the only option I could proceed with was to add 10 years to my term, which equates to ~ $ XXXX for the $ XXXX of forbearance! To me this is criminal and should be considered a predatory mortgage. When I complained to Provident Funding they said it wasn't there fault it was the fault of XXXX and XXXX, the underwriters of the loan. As I stated earlier, I'm XXXX and on XXXX only now, I've paid curent for the last 2 years, but I consider this awful and illegal and feel there must be some regulations against this corrupt restructuring. I want out of this loan but of course, I've struggled and my credit isn't the best. Please advise why there are no regulations to limit the profit a lender can make while restructuring after a legal forbearance? Best Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified XXXX XXXX XXXX and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
XXXX XXXX XXXX is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: MA
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:
notice to sue. i tried to fix this problem of my consumer report not being 100 % accurate under 15 U.S. Code 1681i my report must be 100 % accurate. i gave you time to fix this problem. you will see me in court and don't send me a email asking how can we settle this outside of court. i will get remedy for all the violation. your company isn't bigger than federal law. have. a good day. i have all the exhibits. the furnisher isnt the one that going to be in paying remedy its your company.

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 2023-07-09
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you so much for responding to compliant # XXXX. I have a few more questions please see attached. 

Also please supply a copy of the USPS tracking # showing that I received and signed all the initial documents from your company regarding the first 30 days to dispute this debt. Please note, this information can be requested under section 611 paragraph 6 ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On the XXXX of XXXX, I received a pre-qualification letter so I applied. The website said it would not effect my credit score, but as soon as I pressed submit, I got an alert that my credit had dropped from a hard inquiry. I called the company and they said stuff that made no sense. I feel that the website was deceitful in their wording. They transferred me to the credit reporting department and said I needed to send in a dispute. I dont feel like I should have to jump through hoops for something that shouldnt have happened in the first place. I feel like the company used deceptive practices in order for people to apply for their loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
This complaint is against American Express credit card ending in XXXX under the name of XXXX XXXX. 
Some of the charges are unknown and unauthorized and some additional fees have been imposed on them too. I tried to resolve the issue but the call is usually disconnected after long holds and various transfers. Id really appreciate if u could help me resolve this issue. 

Theres a transaction of {$100.00} on XX/XX/XXXX is which is completely unauthorized. I dont know how and why it was posted. 

Another unauthorized transaction of {$440.00} was posted on XX/XX/XXXX under the name of XXXX. 

Since I paid my XXXX tuition fee a number of times, it seems that I was mistakenly charged a {$75.00} on XX/XX/XXXX. 

On top of that, I have been charged a late fee of {$27.00} on XX/XX/XXXX and interest charges of {$2.00} and {$86.00} on XX/XX/XXXX and XX/XX/XXXX respectively. 

Id be extremely grateful if u could help me waive off these above mentioned charges and resolve the issue. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIBANK, N.A.
State: IN
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:
I would like to file a formal complaint against the following company with in-corrected information or my credit report.  XXXX ,  XXXX   XXXX ,   XXXX   XXXX  ,  XXXX . I have been a victim of IDENTITY THEFT. I have notified the  Social Security Administration , State of Indiana and   XXXX   XXXX   XXXX   XXXX   XXXX   , Ohio State Attorney Office,  and the Federal Trade Commission. My brief case was stolen in  XXXX   XXXX ,   XXXX   inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the  XXXX  Police Department. I have file a dispute with all the company name above. These account are not mine,  XXXX  and  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 2023-11-19
Company: CCF Intermediate Holdings LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have had two Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was suspended by discover a year ago. I had {$1200.00} in my account at that time. Discover only sent me a closing check of {$200.00}. I tried to contact them over the past year for the rest {$1000.00} but they either did not respond to my request or claimed they sent the check but the check never arrived. Discover is a thief!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kay Jewelers keeps calling my work phone number. They acknowledge it is my work number and they ask for me and identify who they are and why they are calling. They call my cell phone with multiple numbers throughout the day starti ng at    XXXX   XXXX   and call repeatedly throughout the day. If I am unable to answer the call they immediately call my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Commonwealth Financial Systems, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 at XXXX, I received a call from Commonwealth Finance . They called from XXXX XXXX XXXX XXXX and I spoke to XXXX. They recorded the conversation and they were asking private information. I wanted to confirm the legitimacy of the company, so I started to ask my own questions. This upset XXXX and she started to curse at me. She called me all kinds of XXXX and XXXX  and then transferred me to someone else who completely ignores me. I was in the car with my family when this conversation took place and it was completely humiliating.

Furthermore I do not believe that I have a contract with Commonwealth Finance. If so Could they please make that contract available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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:
Equifax is showing that my XXXX XXXX XXXX XXXX ( Car Note ) is past due. This is incorrect. My account is current and not in a late status. I have tried disputing this information with Equifax online and the online dispute would not allow me to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX AND TRANSUNION has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX AND TRANSUNION has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2021-12-03
Company: WESBANCO BANK, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wesbanco upgraded their online banking software in XXXX. Ever since then, I have had several issues accessing my account, and encountered several late fees because their upgrade caused ALL electronic payees to be re-entered. I lost access to my account for XXXX days straight, of which e-bills were " lost ''. Wesbanco claimed it was my responsibility to re-enter those, but how could I when the bill was already an e-bill, and was to be delivered to their XXXX XXXX system? Fast forward to yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ), where I can not access any current transactions, all activity is from XX/XX/XXXX. I can not see deposits and it showed my account with a negative balance although I had deposited money and transferred money in from another account. I have tried contacting them, and have saved messages between myself and Wesbanco. They use the same excuse over and over that it's a problem or " feature '' of the new system. Please advise. I will attach a message from today 's communication with them, but I do have others highlighting the issues from the initial system upgrade. Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Despite having paid XXXX, my credit still indicates that I owe them {$780.00}. I also paid the {$1900.00} I owed Bank of America on the " blue fly '' account. First, they sent BoA a check for {$1900.00}, which they later returned to me. They took this salary from my account after two weeks. 
They issued me a {$700.00} cheque after I utilized the account, which I cashed. They mailed me {$300.00} after I used {$1200.00}, and I cashed the check. They eventually took the balance owed from my account and barred it as a result of fraud. The card was never again used. They continue to insist that I owe them an additional {$1900.00} despite the fact that we previously reached a settlement.

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 2017-05-04
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  has not sent me any information regarding this debt. It was sent to Enhanced Recovery Collections with a balance that is not correct. The balance is over {$300.00} and this is not the correct balance that was left off when leaving  XXXX .     I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( secti on 1692g ). Arizon a  State regulations require all debt collectors  to send specific written documentation verifying the debt. Please provide : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt amount and I do not owe any money to this creditor referenced of termination fee.     Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report.  Reporting inf ormation that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation