BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX a representative from the mortgage serciver called me XXXX. We discussed additional documents needed. She said notes were added to my file on XXXX that weren't visible on their portal. The notes were asking for a lease. The renters hadn't been able to make rental payments since XX/XX/2022. I went on to explain I have been making 100 % of all payments since then. I also uploaed and emailed 2 statements from XXXX on XXXX. XXXX clarified the notes to reflect what we discussed and she verified they have everything they need to begin reviewing my loan modification application. XXXX flagged my account with additional notes that every document requested has been received including the mortage statement from the second property uploaded on 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 2019-08-13
Company: EQUIFAX, INC.
State: TN
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citizens Bank recently changed there online banking site. 
Since that time when I log into my small business account, everything comes up normal. 
I can see my account balances and debit card payments " BUT '' when I click onto pay bills a pop up appears saying lets get you started so clicked on it and verified that everything is ok then I click on pay bills the same message pops up over and over again. I physically went to a branch office in XXXX MA. The woman did all she could to try and resolve the matter, but she could not get any results. It has been over six weeks and no one has gotten back to me to try and resolve the problem. I have not been able to pay my bills on line and Most important I can not accesses past history or even look up the list of my customers or creditors. I cant even change banks because all my information can not be pulled up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter in the mail from Transworld systems inc regarding a debt collection on a traffic ticket from XX/XX/XXXX. The lady was really helpful and offered a dispute for 30 days and also made me aware of 2 other outstanding tickets from XX/XX/XXXX that their sister company XXXX XXXX was handling. I asked for the information and details about that matter. After getting off the phone with Transworld I called XXXX XXXX  and spoke to this lady about this matter. She told me that maybe my case would affect my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay  situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane ( original amount given to Transworld {$330.00}, amount owed now {$620.00} ) and XXXX XXXX original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly more than twice the original amount and I do n't have receipts or anything it 's been so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies on my credit report, which I have already sent certified letters to Equifax and XXXX regarding the same issue. The certified letter sent to Equifax has a tracking number of XXXX, and I can provide further proof of delivery upon request. Attached to this letter is a copy of my credit report, which highlights the inaccuracies that I have disputed. 

I have diligently reviewed my credit report and have identified several errors that are negatively impacting my credit score. Specifically, [ Account XXXX - XXXX Account Holder XXXX - XXXX ] Account XXXXXXXX XXXX XXXX - - Account Holder XXXX Account - - XXXX XXXX Account Holder - - XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Holder XXXX - XXXX Current Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Addresses : XXXXXXXX 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 XXXXXXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted disputes to Equifax and XXXX to correct these errors, but they have failed to address my concerns. 

I am concerned that these inaccuracies on my credit report will not only affect my credit score but also my ability to secure credit, loans, and other financial products in the future. I am requesting your assistance in resolving this matter and ensuring that my credit report accurately reflects my creditworthiness. 

In addition to the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information to consumers and to investigate and correct any errors, I believe that the following laws also apply to my case : Fair Debt Collection Practices Act ( FDCPA ) : This law regulates the practices of debt collectors and prohibits them from engaging in unfair, deceptive, or abusive practices when attempting to collect debts.

Fair Credit Billing Act ( FCBA ) : This law requires credit card issuers to provide consumers with accurate billing statements and to investigate and correct any errors. 

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions based on factors such as race, gender, religion, national origin, age, or marital status. 

I am hopeful that with your assistance, we can resolve this matter in a timely and satisfactory manner. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion refuses to comply with the FCRA and has not blocked the reporting of a fraudulently opened account. Both XXXX and XXXX have removed this account and have complied with FCRA 605B ( 15 U.S.C. 1681c-2 ). Transunion has ignored letters i have sent along with proof  of address and signatures showing that this account is not mine. The account reporting on my credit file by XXXX XXXX XXXX is a fraudulently opened account and as per the FCRA must be blocked from reporting on my file. I have included a copy of the correspondence sent to Transunion as well as the FTC Identity theft form as well.

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 2023-08-23
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was sent XXXX dollars from another PayPal user to my PayPal. I then did an instant transfer of those funds. The transfer never made it to my account so the XXXX dollars is now unaccounted for. But my bank statement shows a XXXX dollar withdrawal to my PayPal account instead of it being a deposit. The withdrawal showing from my account to my PayPal account also is not showing in my PayPal account so now I have XXXX dollars unaccounted for. I disputed the withdrawal on my bank but I have talked to several people at PayPal about this mistake and I have received about XXXX different stories as to why this happened with no solution to correct. all I want to to get the money that was supposed to be sent to me and to allow my dispute to go though with the ank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX account XXXX XXXX which is currently a charged off account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and the Date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instruction.

I havent given written permission for this company to furnish this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Good afternoon, the problem is still with Wells Fargo Auto. I previously opened a case with you number XXXX to help me because the bank previously authorized the replacement and they damaged the car and I only paid a part of the damages, but they want me to pay penalties for the months of delay that the car has been damaged, they damage my car, they do not pay for the damages, I have paid the months in arrears, but they want me to pay them a penalty for delay too, I think it is very unfair, thank you very much.

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 2017-05-12
Company: TFC Group, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a title loan on my car. I fell behind in payments and the car was repossessed. I got the money to come current on my loan and get the car back. Trading Financial called a week later XXXX XXXX XXXX ) asking for the " next payment ''. I told the collector I just got the car back and I would n't be able to pay anything until the XXXX of XXXX. The collector agreed to the arrangement. 7 days later XXXX XXXX XXXX ) I got a call from a different collector who said she saw the notes on the account but the XXXX was too far in the future. I told her it was impossible for me to alter the arrangement because I would literally have no money until then. She said " ok, but collection activity would continue ''. I asked her to elaborate but she just repeated the statement and we ended the call. 6 days later ( Thursday the XXXX ) I got a call from a gentlemen repeating the demand for payment and I told him there was no way I could give anything until the XXXX as I spent everything to get the car back. After several questions by the collector I stated there was nothing I could do beyond what I had already agreed to. The next day ( Friday the XXXX ) I got a call from the same gentleman asking the same questions and asking if I could pay something. I repeated my arrangement and asked if they were going to call every day. He said " the collection activity will continue '' and " I 'll follow up with you Monday ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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  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 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 explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 consumers rights to privacy and confidentiality under use 1681XXXX 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 rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a 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 2022-04-08
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have contacted Apple Support multiple times including today ( XX/XX/2022 ), and have not received proper help. Support bounces me around for hours just to say theres nothing they can do. I would rather work with a collector than Apple. My account was closed in XXXX for being past due, but my account was not past due ( look at attachments ). I dont want this card as Apple is terrible service, but I would like to settle ( which they said they cant do ) as I dont agree with why the account was closed and I dont see an end to their practices. They said the account will stay like this until I repay it and reapply 30 days after. Please help me as Apple thinks they can push us little guys. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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
Consumer complaint received 2023-02-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Citi Credit Card payment on XX/XX/XXXX, was XXXX I made a mistake forward a check in the amount of XXXX. When I realized that I made this mistake I chatted with CITI at that time requested that the payment be returned to my checking account. this was XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from the customer Service Team this letter stated " If this payment is refunded, your balance will over your assigned credit limit. If you want us to send a refund, please call us. Take into account that my minimum payment was XXXX which was it seems that Citi Card was holding my money hostage the XXXX refunded to me was my funds not Citi Card how is it possible legally to use my funds to exceed the limit. Citi Card reduced my credit limit after I made a XXXX in XXXX, they also stop all cash advance. When I made this error XX/XX/XXXX, Citi Bank took the same action against me for reason unknown my account was paid on time usually schedule. I question Citi Card authority to review my account twice in the 2 past years each when I was within my contract, as mentioned before I have never missed or been late on a payment. I presently have a dispute with Citi concerning this issue I am waiting for Citi Card response. I filed my dispute with the CEO in New York. I want to file a complaint against Citi Card for violating the Fair Credit Reporting Act. Citi Card send misinformation that I am over credit limit to each Credit Reporting Agency. This information is lowered my credit score. I feel that is s violation of my Civil Rights along with Racial Bias based on my AGE XXXX XXXX XXXX Race 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 explanation
Consumer complaint received 2020-03-23
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a {$95.00} charge on my amex travel card. When I go online it states the rates and fees are the same as the basic card. So I click on that link and it says NO FEE. I chat message with custoemr service and they say no there is a fee but all basic marketing materials show it has NO FEE. They send me a link to a 28 page document that says there is a {$99.00} fee. I tell them this is deceptive that their marketing material shows no fee but that the fine print shows a fee. They refused to refund the fee. 

This is the link it directs you to which states NO fee : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-blue-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaGold-CardMember-click-filmstrip : delta-skymiles-blue-american-express-card https : //www.americanexpress.com/us/credit-cards/card-application/apply/member/terms/delta-skymiles-blue-american-express-card/36182-11-0/ # FeeTable This is the page with the broken link that directs you to the link above : https : //www.americanexpress.com/us/credit-cards/card/delta-skymiles-gold-american-express-card/? eep=25330 & linknav=US-Acq-Shop-Consumer-PDP-DeltaBlue-CardMember-click-filmstrip : delta-skymiles-gold-american-express-card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently discovered unauthorized activity on my credit report. I am not understanding why, because I have not given any consumer reporting agency written consent to report any information on my consumer report. This unauthorized reporting, done without my explicit consent, equates to identity theft.

Company response to consumer: Closed with non-monetary relief