BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After learning my rights as a consumer I sent a letter to the cfo and ceo of American Express explaining the rights they violated, how I dont owe any debt and how they are illegally reporting information such as late payments and utilization in my report. I told them I need to get paid $ XXXX each late payment, utilization posted and also each violation I found on the statement. A person named XXXX sent me a letter stating that I am bound to the card ember agreements to make payments and if I dont then they will be reporting my account as delinquent to the consumer reporting agencies. 15 USC 1681 states how no one cant report anything or share information without my written consent and also how transactions and experiences are excluded for a consumer report. 15USC 1666b basically explains how there is no such thing as a late payment, there isnt no such thing as a late payment because the debt is already paid for law 18 USC 8 states how The United States is accountable for all obligations. I am a living soul from God and can not and will not enter a contract with a corporation. I am not a fictional limited liability entity otherwise known as a corporation. Also in the transactions I see it states I was charged a finance charge but according to 15USC 1605 finance charge means the sum of all charges, why is American Express changing the definition of a finance charge. In the statement that came in the mail I saw a lot of violations about payments American Express thinks I have to pay, a fictitious name and address that belongs to my trust estate and not me and according to 18 USC 1342 any fictious name or address and not the proper name or address can result in 5 years in Prison and fined. Also them saying I still need to make payments and how they are going to report my account as delinquent to the consumer reporting agencies can result them in 20 years in prison and fined according to the law 18 USC 894. I am a loving soul created by god and not the state u am not an employee so there is no contract between me and American Express. American Express needs to act as the role of a trustee not benefiary. I am the beneficiary of my trust estate not American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-08-04
Company: Experian Information Solutions 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:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report immediately.

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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is one account and two inquiries on my Transunion report that does not belong to me I need this off my report since I have not signed, used or approved this account. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, 2020 Reason : I don't recognize this inquiry

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 2021-11-08
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred to SunTrust for servicing from XXXX XXXX. SunTrust continues to withhold far too much money in escrow for what we actually owe AND is applying tax payments to the City of XXXX that we do not owe. I called SunTrust multiple times to confirm this wouldnt happen, they messed up, and when I called asking for a fix was promised a solution by XXXX - which has not happened. A summary of details is below : This mortgage is for a condo- we are having taxes withheld in escrow at the rate that would apply if we owned the entire condo building ( we do not, we only own one unit ). Despite SunTrust having documetnation showing the overall lien for the building, our ownership % AND the fact that the entire condo building is being taxed as one parcel until XX/XX/- they are still wanting 100 's of dollars a month unnecessary for escrow. 

Additionally- SunTrust has decided ( for some reason ) to PAY the city of XXXX the taxes owed for the entire building. Again, despite seeing that we live in XXXX XXXX and the tax parcel is for the entire building- randomly decided to pay the city taxes for the whole building. We are not responsible for these taxes until the building is reassessed and parcelled out which will apply effectiveXX/XX/XXXX. 

Additionally- for some reason SunTrust randomly applied one of our principal + interest payments to the escrow account - which makes zero sense to us. 

Three things need to be fixed here : 1. they need to withhold taxes at the correct rate as per the documentation they have. 
2. they need to reimburse us for the payment they randomly made to the City of XXXX which are taxes we are straight up not liable for. They've basically taken money out of our account to pay someone else 's tax bill off. 
3. they need to go back - apply our payment correctly to P+I and recalculate our amortization schedule. 
4. they need to block all payments to the city of XXXX until they see a tax bill for the parcel SPECIFIC to our XXXX XXXX - not the entire building.

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 2023-09-13
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a dispute after finding my money had been stolen, they denied my claim and have refused to help me or provide me hat information they based their decision. I got a manager via email and she told me they would not help me would not tell me anything more and then refused to assist and when I called 3 more times the supervisors hung up on me all three times. I believe they have something to do with my stolen funds and Im reaching out to the cob before contacting the NYS attorney general and my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-06-25
Company: Atlanticus Services Corporation
State: CA
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 a Victim of identify theft, I did not authorize anyone to apply for ( XXXX/FORTIVA LINE OF CREDIT ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
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. 

Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 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 2017-12-12
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have already filed a complaint against Navy Federal for the amount of the loan balance they put on my credit report. This complaint is for the how they said they would set up a payment plan with me and instead repossessed my car a week later after I did exactly what they asked and stayed in contact with them. I was not told my car would be repossessed and was under the impression they were going to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband who is a 100 % combat related XXXX veteran died on XX/XX/XXXX. Our home mortgage is in his name. I as the surviving spouse reported his death to Mr. Cooper mortgage company. With Covid effecting so many people I was offered forbearance for a year. I graciously took this. At the end of the year, I was told that I had forbearance till the end of XXXX, XXXX. I would be given the opportunity to renegotiate the mortgage terms as of XXXX, XXXX. 

I have contacted Mr. Cooper on numerous occasions to get this process accomplished. Every time I am told that I did not send them complete information. For example, Mr. Cooper wanted verification of XXXX Retirement. They said they would accept either a letter from XXXX or 2 months of bank statements with the XXXX Retirement credited to my account. I gave them 2 months of bank statements. And I highlighted the deposits on each month to make it easy to identify. Six weeks after I submit these statements, I get a call from Mr. Cooper stating that they will NOT accept those bank statements and that they want the XXXX letter for the years of XXXX, XXXX, XXXX and XXXX. I immediately requested this information from XXXX but will have to wait for my request to be processed and sent to me via postal mail, before scanning and submitting to Mr. Cooper. XXXX has yet to supply me with the letters of monies sent as of XX/XX/XXXX. 

Today, XX/XX/XXXX, Mr. Cooper called and stated that they wont accept the bank statements that I sent in from the XXXX XXXX website because it did not have my deceased husbands name on it. I told them that I notified the XXXX XXXX immediately upon his death and that the account was put into my name solely. I went directly to the XXXX XXXX to ask them to print out the statements with the XXXX logo and my name and account number on it. 

It is now the end of XX/XX/XXXX. I am constantly getting more and more requests for Mr. Cooper and each time it is delaying the restructuring of this mortgage. I wanted to get this done in XXXX, XXXX before the interest rate rose so that I could get a lower mortgage payment. 

I feel that this mortgage company is deliberately stalling the restructuring of this mortgage so that the interest rate will be higher and my payments would be increased. This is no way to treat the widow of a career XXXX veteran that became XXXX due to his time in service. 

I would like the loan modification to be done at the interest rates as of early XXXX, XXXX with a reduced loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
American express has been posting wrong charges on my account since XX/XX/XXXX, and I have contacted them 4 times, they refused to issue refund and accuse me of being wrong. They wasted lots of my time and the issue is still not resolved. 

Here is a list of charges with date and amount : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My debit card was stolen and was used to make purchases. I reported the card was stolen to the police department and to Wells Fargo bank on XX/XX/2023. The bank closed that debit card, and mailed me a new debit card. However, the bank allowed a company to charge my card TWICE on XXXX XXXX, and again on XX/XX/2023, for $ XXXX each. 

I am not sure how Wells Fargo Bank function in this climate, this was not an ACH transaction/ Checking account transaction, this is a debit card that was already closed. I had to go to the bank to make deposits to cover this transaction. 

This is a subscription charge and the provider have a different debit card from a different bank.

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 2023-12-20
Company: SYNCHRONY FINANCIAL
State: MD
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:
Subject : CFPB Case XXXX XXXX Credit Account Number Ending in XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You stated that this account was properly investigated and you are currently reporting accurate information. HOW SO IF... 

Date of Last Activity is reported inaccurately XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 Date Of Last Payment is reported inaccurately. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 This is grounds for removal. 

1

5 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. 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer 15 USC 1681e
( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Delete this 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 2023-09-14
Company: Global Lending Services LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Wife and I called Global Lending customer service several times between XXXX, Request for the removal of a late payment reported to my credit. The payment was made on XX/XX/XXXX and XX/XX/XXXX. We spoke with the manager on duty, and they agreed to send us the payment history but was not able to remove it from my credit report. She told us, a payment for {$400.00} was made on XX/XX/XXXX and I was late paying {$53.00}, that is why they report it as a late payment. I made an additional payment on XX/XX/XXXX in the amount of {$900.00} to clear up the account, but they were not able to remove the late payment from my credit. In the past, I asked if my payment due date can be changed to a later date because it was conflicting with my rent that was due on the same day, and it would allow me to make my car payment on time if the date was changed. I explained to the manager on Wednesday XX/XX/XXXX and she agreed to change the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
An account with Truist bank was opened in my name and had at least one wire transaction in the amount of {$3000.00} on XX/XX/. The account was then closed on XX/XX/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 explanation