BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I am a victim of XXXX XXXX which occurred early this year, I am a XXXX XXXX XXXXr and after my XXXX I was unable to work due to injuries. I have tried to work with Select Portfolio Servicing and was given a repayment of {$7800.00} a month for 6 monthd. I can not afford this cost, i appealed the decision and was told that XXXX XXXX XXXX would need to allow any other modifications. I have not been able to find any contact info on this investor and now my home is on the verge of foreclosure. I have applied for help with Texas XXXX XXXX however the turn around time is significantly long. I really need some kind of help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax XXXX XXXX, I am writing to bring to your attention a persistent issue regarding my personal credit report. I have made multiple requests through investigations and disputes to have the following credit remarks removed : XXXX CLOSED Account Number : XXXX XXXX Account Status : CHARGE_OFF Owner : INDIVIDUAL Account Type : REVOLVING Creditor Classification : LOAN_TYPE : CHARGE_ACCOUNT Original Creditor Name : XXXX XXXX  XXXX XXXX XXXX CLOSED Account Number : XXXX XXXX Account Status : COLLECTION Owner : INDIVIDUAL Account Type : OTHER Creditor Classification : FINANCIAL Loan Type : DEBT_BUYERS_ACCOUNT Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Despite my previous attempts, these remarks have not been fully removed from my credit report. I have taken the necessary steps to rectify this situation, including sending multiple certified letters, but have not received a satisfactory resolution. I strongly believe these remarks are fraudulent and, therefore, request their immediate removal from my credit report.

In accordance with the Fair Credit Reporting Act, specifically Section 623 ( a ) ( 1 ) ( B ), I wish to remind you of the provisions outlined. This section states that if a consumer notifies a furnisher that they dispute the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a Consumer Reporting Agency ( CRA ) without providing notice of the dispute.

Therefore, I kindly request that you take immediate action to remove the aforementioned credit remarks from my personal credit report in accordance with Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act.

It is crucial to rectify this matter promptly to ensure the accuracy and integrity of my credit history. I expect that you will act in accordance with the guidelines outlined in the Fair Credit Reporting Act to address this issue appropriately.

Please inform me in writing of the actions taken to remove these fraudulent remarks from my credit report within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act.

I appreciate your attention to this matter and your prompt resolution of the issue. I trust that you will adhere to the provisions outlined in Section 623 of the Fair Credit Reporting Act to ensure my rights as a consumer are protected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2022-11-03
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Reliacard, US Bank Corp, {$13000.00} balance. Account was closed effective XX/XX/2022. Reason given in letter XX/XX/2022 : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/2022, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX 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 2018-08-15
Company: EQUIFAX, INC.
State: LA
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:
This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all XXXX credit bureaus ( XXXX, XXXX, and Equifax ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the  matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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 FCRA, this creditor has violated my rights. Under XXXX5USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-11-03
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclays miles and more credit card is charging {$10.00} cash advance fee for a {$30.00} XXXX transaction ripping people off It is supposed to be a 5 % of the transaction instead they have been charging a {$10.00} minimum contrary to the agreement Not sure how many people actually notice this but this seems completely illegal

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to XXXX XXXX XXXX to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct 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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I got a text from an unknown number saying that it was my work, they sent me a check and told me to cash it and I did as soon as I realized it wasnt from my work I sent them the money back and thought that was the end of it They hacked my account and stole. {$2000.00} my bank said theyll give me the XXXX that they stole but not the XXXX that was originally sent back because I didnt clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: AMERICAN EXPRESS COMPANY
State: TX
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 rewards from credit card

Complaint:
On XXXX XX/XX/XXXX I transferred XXXX Points on American Express for an offer at XXXX Points making it XXXX Points to their partner airline XXXX XXXX. Using our rewards account number. 

However, the points were not received by XXXX XXXX. 
I raised a ticket with American Express first on XXXX, then by calling the XXXX Department on XXXX XX/XX/XXXX. 

I received no update from American Express within the 10 days they stated it would take for an them to investigate. 

I called back on XXXX XX/XX/XXXX and American Express stated they had closed the ticket as XXXX XXXX had " confirmed '' that the points were credited. 

However, they had not been and I can provide ( and have offered to provide to American Express ) the screenshot of the XXXX XXXX XXXX XXXX 's account to show this. 

I am dealing with XXXX XXXX under separate cover, however American Express have failed to adequately investigate this and I am their customer and the points are part of their reward program. I have had to forcibly ask them to reopen a new investigation and get evidence from XXXX XXXX. There is a new case number as of today below. 

My Complaint is XXXX fold : ( XXXX XXXX American Express has not exercised a reasonable duty of care or appropriate controls to investigate an issue with interstate transfers of reward points that have gone missing, nor kept me updated in any manner. I have XXXX tracking/scanning and no letter has been sent/received ( address is correct ). 

( XXXX ) There is a gap in the terms of service that should a failure occur between American Express and a Reward XXXX they have selected that is not the customer 's fault that there is recourse or ability for the customer to " be made whole ''. This point lost of XXXX is a return economy ticket from New York to XXXX to see elderly parents. That has deprived me of the ability to use the points that the money I have spent using this card, combined with the annual fee I pay for, should provide and is marketed to customers as a benefit. 

I understand technology issues occur, however in this situation there needs to be improvement for customer protection where error occurs between American Express and their vetted rewards partner to avoid a gap in appropriate controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts that are unverifiable in my credit file. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

Here are the aforementioned accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: LA
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:
This dispute involves XXXX XXXX Bank and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX Bank was still reporting data to the all 3 credit bureaus ( XXXX, Experian, and XXXX ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.

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 2023-10-06
Company: ALLIANT CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
First Issue : Incorrect Escrow Charges and Mishandling of Account Two ( 2 ) written requests for an escrow account analysis. ( XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) Multiple verbal requests for an escrow account analysis. ( XX/XX/XXXXXXXX  - two phone calls, XX/XX/XXXXXXXX  phone call, XX/XX/XXXXXXXX  phone call, and finallyXXXX phone call ) Six ( 6 ) requests for substantiation of basis for reasons overcharging escrow account with respect to our property taxes by more than {$10000.00} - these dates are detailed above. 

We submitted our XXXX XXXX, NJ tax roll showing our last two full tax years at less that $ XXXXyear and have requested that they substantiate the basis for charging us over {$10000.00} more on our escrow raising our monthly escrow charge from {$1200.00} to {$1900.00}. We have a real estate tax abatement until XXXX of XXXX  and our taxes have remained fixed and have been below {$13000.00} for four straight years. This was after they started XXXX  only charging us {$150.00} and paying us an overage at the end of XXXX. We are on a fixed rate mortgage and have fluctuated against escrow accounts from {$120.00} to over {$1900.00}. 

When they did not respond in XX/XX/XXXXXXXX  we have been withholding our payments in order to leverage them to fix the issue. 

On XX/XX/XXXXXXXX  phone call, they put in a work order on our account management. But then when they transferred us out of escrow we only got customer service department people that threatened us and only wanted to collect the debt and refused to discuss the ongoing issues. 

Second Issue : Did not pay Homeowners insurance as bound by our mortgage agreement and our insurance was cancelled and we had to find new insurance. 
They ignored all contacts for payment, and then blamed us. We had to produce the mortgage documents to them and only then did they acknowledge that it was their responsibility to pay the homeowners insurance. We had to scramble to find new coverage. Nevertheless, they refused to pay any difference in insurance and exposed us personally. They took no financial accountability of their wrong doing. They then tried to charge us in Escrow for it when we now pay it directly due to their mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First, let me say the 3 choices don't apply, but I selected " didn't send enough information to verify debt '', though that's not accurate. 
On XX/XX/XXXX, I signed on to a promo offer from XXXX XXXX for a " free '' 5G phone. As part of the offer I had to pay approximately {$61.00}, via credit card. 
I didn't know it then, but the terms didn't allow me to switch to a prepaid account with data, but rather, stay in my talk-and-text-only account for 24 months. I previously used a XXXX feature phone in my XXXX XXXX account, without data. I proposed to XXXX XXXX that they allow me to switch into a prepaid account with data, but they declined. 
After 2 months I concluded that I couldn't take 2 years of no-data with a XXXX phone, figured I'd have to eat the full price of the phone and move on. On XX/XX/XXXX, I went to a XXXX XXXX store at XXXX XXXX XXXX XXXX, XXXX, and asked for a bill to pay for the phone on the spot. I dealt with the store manager, XXXX, who, after some time at a terminal, told me I'd have to wait 24 hours for a " final '' bill. I gave him my contact info but didn't hear from him. Two days passed, so I called XXXX XXXX Customer Service and requested a bill for the device : the rep told me it would take 40 days to get a bill to me.Ridiculous, I thought. ( I had dropped the talk-and-text-only plan on XXXX XXXX. ) Early in XX/XX/XXXX, I received a notice from Receivables Performance Management LLC, a collection agency with address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX, attempting to collect on the device. I requested validation while disputing the amount. In its validation letter, it claims that XXXX XXXX sent out a statement on XX/XX/XXXX. I never received any statement from XXXX XXXX. 
Meantime I have been unable to use the 5G device because it's locked, and have spent money with another carrier to keep from losing the number. 

My complaint is that XXXX XXXX wouldn't allow me to pay for the phone when I tried to pay for it, and that the account shouldn't have been sent to collection, with possible damage to my XXXX  score. My score was high for much of XXXX ( XXXX ), and remained high a few days ago. I just received ( XX/XX/XXXX ) the collection agency 's response to my validation letter. My readings suggest that it can now fire at will. 
I suspect that if the collection agency is acting as a third party, it will have no ability to unlock the device, and I'll be stuck with an expensive paperweight because XXXX XXXX won't do anything to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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