BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit 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:
On XXXX, XXXXXXXX XXXX, I took a taxi ride in XXXX XXXX that was supposed to be XXXX XXXX pesos according to the taxi meter. The driver charged XXXX XXXX pesos to my American Express. I received an alert about 45 minutes later from American Express. I immediately called American Express and said this is a fraudulent amount on the charge. I was assured by American Express that this would be taken care of. 

On XX/XX/XXXX, I see that American Express accepted the charge from the merchant despite my calling immediately on XX/XX/XXXX. The XXXX at American Express re-opened the dispute for amount of XXXX XXXX XXXX minus the XXXX XXXX XXXX ( which I was supposed to pay ). This dispute was ~ {$2700.00} XXXX 

I provided detailed documentation of where I was on XX/XX/XXXX during the time of the transaction and how there is no possible way a XXXX taxi ride could be XXXX XXXX. 

Amex requested documentation from the merchant and they provided a paper showing a XXXX XXXXXXXX XXXX  charge with a signature that was not my signature. I told American Express that I was never presented anything to sign and I was had never seen the merchant documentation they presented. The driver also said they could not provide me a receipt. I then sent American Express a copy of my driver 's license to show how the signature does not match mine. 

Despite all the documentation I have provided, making at least 10 calls into American Express and being a card member for 28 years with a flawless payment record. American Express is still not helping with my dispute. 

Further, I spoke to another manager about this on XX/XX/XXXX. She said she would personally handle this and review all the documents I have sent in detail. She would then call me back. I never received a call back from the manager. And, American Express debited the money from my bank account without my authorization. 

I am hoping that the CFPB can help me with this case. 

I also have no choice but to engage with a consumer protection attorney on this matter. 

I always had the impression that American Express was diligent about consumer protection but I have come to find is is exactly the opposite. I have spent numerous hours of this and have experienced a great deal of stress trying to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sunrise Credit Services , Inc is in violation of multiple FDCPA laws. I am attaching proof of violation in the contents of this letter as well.

Exhibit A-15 U.S. Code 1692e.False or misleading ( 14 ) The use of any business, company, or organization name other than the true name of thedebtcollectors business, company, or organization.

Exhibit B-15 U.S. Code 1692f.Unfair practices ( 8 ) Using any language or symbol, other than thedebtcollectors address, on any envelope when communicating with aconsumerby use of the mails or by telegram, except that adebtcollector may use his business name if such name does not indicate that he is in thedebtcollection business.

Exhibit C-15 U.S. Code 1692e.False or misleading ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed.

Exhibit D-15 U.S. Code 1692f. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless
such amount is expressly authorized by the agreement creating thedebtor permitted by law.

Exhibit E-15 U.S. Code 1692b - Acquisition of location information ( 2 ) notstatethat suchconsumerowes anydebt ; Exhibit F-15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating

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 2023-06-15
Company: Amsher Collection Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is a third party debt collection company that is based out of Alabama. Im in XXXX Florida. They broke code 15 usc 1692 b ( 2 ).

Second, the original creditor is XXXX and they sold my debt without my consent which makes this identity theft. 

Last but not lease the 3 credit bureaus have reported inaccurate information on my credit report. For example investigate : date opened, last reported, and date last active all these columns are inaccurate due to different dates which doesnt make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
In XXXX XXXX XXXX I received notice of debt from a debt collection agency. I have disputed the alleged debt with the company that sent the notice. After an unsuccessful attempt, I received another notice from a different company regarding the same alleged debt. I have written the company notifying them that I once again am disputing the alleged debt. I then received notice from what appears to be the original creditor of the alleged debt saying they validated the debt, however I will still be disputing this information. The alleged debt is still being reported on my credit report for the past few months while this alleged debt is being disputed, which is a violation of my consumer rights.

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 2023-06-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I want to close my account with Paypal, because of the fact that the way that they process the transactions on my behalf leads to economic problems with my budget whereby I don't have enough money to buy food in the grocery store due to the complexity of the accounting errors in the Paypal account. They will not allow me to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My loan was serviced by XXXX and was apparently transferred to Roundpoint on XX/XX/2023 I mailed my XXXX mortgage payment to XXXX on XX/XX/2023 because XXXX had sent an XXXX billing statement and Roundpoint had not sent a billing statement. 

I have not yet received any written communication from Roundpoint. Neither an XXXX nor XXXX billing statement, nor even a welcome letter. 

I called Roundpoint on XX/XX/2023 because after going to their website, I noticed my contact phone number was empty but their web portal errored-out when I attempted to provide a phone number. 

The rep I spoke with asked me to make my XXXX payment because it hadn't been received yet. I declined and told her I already made my payment to XXXX. She insisted that I needed to make my XXXX payment. I responded that XXXX would forward my payment to them. She replied that XXXX was not forwarding any payments and if I didn't make a payment I could be assessed late fees. I replied that following any mortgage servicing transfer, payments can be made to the previous servicer for up to 60 days and, further, Roundpoint hasn't even sent a billing statement to me yet. She responded that she's quite familiar with the RESPA rule

s, there is no 60-day grace period, and she once again pressed me to make a payment right then over the phone. That summary doesn't capture the degree with which the rep talked over me, tried to pressure me to make an unnecessary payment, and attempted to mislead me that I was completely mistaken about the 60-days following a mortgage servicing transfer.

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 2023-08-31
Company: U.S. BANCORP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter that requires urgent resolution. My aim in reaching out is to ensure compliance with the Federal Credit Reporting Act, specifically 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). 

I have initiated contact with U.S. Bank regarding the negative late payment that has been reported on my consumer credit report. This interaction is in line with the provisions set forth in 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I've engaged with U.S. Bank on two separate occasions, with tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, in an effort to address this discrepancy. 

Furthermore, I have diligently notified XXXX, XXXX, and XXXX about the inaccuracies in reporting. Multiple notices have been sent to each of these parties in an attempt to rectify the situation and ensure the integrity of my credit report. Subsequently, I had the opportunity to speak with a representative from XXXX 's fraud department, conveying the urgency and importance of this matter. During the course of our conversation, I spoke with a manager named XXXX and reiterated the issue at hand. However, this conversation took an unexpected turn when XXXX abruptly ended our call, causing unnecessary delays and inconveniences. 

I am submitting this report in good faith, with the primary intention of ensuring that all Creditors and Furnishers of Information adhere to the stipulations of the Federal Credit Reporting Act. Accuracy and compliance are essential to maintaining the credibility and reliability of consumer credit reports. 

I kindly request your assistance in expediting the resolution of this matter. I believe that by working collaboratively, we can ensure that accurate and lawful information is being reported. Should you require any additional information from my end, please do not hesitate to reach out to me. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution that aligns with the provisions of the Federal Credit Reporting Act.

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 2023-04-11
Company: Dobberstein Law Firm, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through Dobberstein Law Firm and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another LLC. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans, which should already be forgiven under XXXX, were transferred to Moehla. I submitted an employment certification form to Moehla on XX/XX/28 and followed up with a message explaining that the form had been submitted to XXXX XXXX and the payments inaccurately counted. I explained I should qualify for XXXX at this time under the federal waiver as payments prior to consolidation are counted under the waiver and XXXX XXXX gave me inaccurate information about consolidation anyway. Moehla finally got back to me two months later saying they hoped my issue was resolved ( how could it be resolved if they didn't do anything ), but if not, I should call them. The wait time is several hours. I am not wasting hours on hold on the phone. I did that countless times with XXXX and it went nowhere. Process the XXXX I submitted, give me credit for XXXX payments, process my XXXX  application, and forgive my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: NC
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:
The Credit Bureaus stated that my XXXXXXXX XXXX XXXX  account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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 an 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 2022-05-01
Company: Experian Information Solutions 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 XXXX  Account Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy. 

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

Company 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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Midland Credit calls multiple times a day and from different numbers, and call daily or every day. They have been informed to contact or correspond by mail only, and have not sent any correspondence by mail to date, but continue to harass me by calling every day multiple times from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Consumer Financial Protection Bureau : This complaint is against Bank of America , N.A . for not horning my request to place funds back into my account that should have automatically been debited back to my account by the merchant. 

I am attaching the evidence of a claim that I submitted on XX/XX/2022. It is now XX/XX/2022, and Bank of America , N.A . can not produce any official evidence from the merchant showing that such funds were authorized by the merchant. I have requested Bank of America , N.A . to show certified validated proof of entitlements to such funds missing from my account Bank of America , N.A . has not been able to provide me anything. 

I live off PROPER RECORDS, I need Bank of Americas proof showing the return of the deposit and proof of the merchant returning a total of {$2200.00} back to my account or any act or actions performed by the merchant in an attempt to resolve the matter after many and several attempts to resolve the matter before filing a dispute. 

I refused to give up my rights or waive such rights after entering a binding agreement. The merchant performed a Breach of Contract which made me fully entitled to the funds disputed and could have been more if arbitration is needed or necessary. 

Until then my funds need to be replaced or returned back to my balance in my Checking Account ending in XXXX. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11
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:
XXXX ; XXXX  and Transunion are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of  the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and  these line items need to be deleted from my credit report.

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