BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my utmost frustration and concern regarding the multiple attempts I have made to rectify fraudulent items on my credit file with Credit Bureaus. Despite my continuous efforts to remove these fraudulent entries, they persist, and they are severely impacting my financial standing. 

Over the past several months, I have made numerous attempts to dispute and remove these fraudulent items from my credit file. These fraudulent entries are not only inaccurate but are also damaging my credit score and my ability to secure financial opportunities. Despite providing the requisite documentation, I have received several responses from your bureau indicating that these fraudulent items remain on my credit file. 

I can not stress enough that these fraudulent items are indeed inaccurate and are not associated with my financial history. I have attached the necessary documentation supporting my claim. It is imperative that these discrepancies are resolved immediately to prevent further harm to my financial well-being. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau concerning my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit file. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX  XXXX  XX/XX/2023.

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 2022-12-06
Company: Amcap Investments, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

Amcap mortgage XX/XX/2020 Forbearance Crisis of the pandemic 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
CitiBank recently closed XXXX credit card accounts sending me a letter saying " we are not a fit '' because I did not use the accounts. My XXXX score is XXXX. Today I applied for a Citi Advantage Card, and was denied.Why is Citi shutting down my credit when my score is the highest it has ever been, and my debt is the lowest it has ever been? I am obviously a good credit, and I worked for the bank for over 5 years!

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 2022-08-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurrgent is a debt collection agency that is representing LVNV Funding. I disputed this account with the credit bureau and according to XXXX, this debt was verified. I then sent a certified letter to Resurrgent on XX/XX/2022 for debt validation of this account. I never heard anything from this company. In fact, I sent the confirmed date from the USPS and copies of the certified letter sent to Resurrgent to XXXX on XX/XX/2022. The letter sent to XXXX clearly stated to remove this debt due to the failure of the company Resurrgent not verfiying the debt. I provided clear documents to XXXX to have this removed, instead XXXX sent me another " verified '' debt from Resurrgent/LVNV Funding LLC . 
I contacted XXXX on XX/XX/2022 and spoke with a XXXX representative advised the rep the exact information as stated above and stated that Resurrgent verified twice with them and refused to delete. Pleas advised what steps are needed to get this done,!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried for two years to cancel my XXXX XXXX small business credit card with bank of america that was secured with a {$2500.00} certificate of deposit. After the credit card graduated to unsecured, they refused to refund the CD and were not able to close my card. I have had to pay the annual fee for the past 2 years on this card that I do not want, and I have not been able to get my {$2500.00} for the CD back from bank of america. Every time I call they have some new excuse and tell me to call back in a week or just hang up on me.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 XXXX 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

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 2020-09-15
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with US BANK. I have come to find out that the bank has deleted all of my Credit Reporting trade lines on all major cbrs. I had a tennant since 2013. They were aware it was a rental property. My Renter filed a chapter XXXX bankruptcy. not myself. The bank used her address and considered my loan bankrupt. This has been going on since 2013. I have not received credit for payments made for over 6 years.

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 2022-05-18
Company: SERVICEMAC, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ServiceMac Company is collecting escrow for an estimate of property taxes. 

My home is a new construction and was not complete in 2021 so I am being taxed on the property value only which is around {$1300.00}. 

But the company continues to collect escrow for the higher amount estimated. 
I have contacted company 5 times by phone and email and being told different things by each person. 

I have clearly sent them all information and requested the amount be adjusted and corrected and that they are over collecting almost {$6000.00}. 

They say they will look into it and nothing has been done for months and now they say to contact the tax office. I have done this already and they have nothing to do with escrow collection and that needs to be corrected by the company. 

They are refusing the correct the escrow amount or give me a refund for the severe over collection. 

I keep getting passed around to a new person who says to talk to the next person or asks me to re-explain everything over again. 

All that has to be done is refund the over collection and adjust the escrow to match the correct tax amount but they are not doing this and keep passing me around.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a dispute that was received by experience on XX/XX/XXXX. This dispute was regarding an account called XXXXXXXX XXXX  aka XXXX XXXX. I have contacted experience on multiple occasions and the account has not been validated. I then requested the account be removed multiple times and this has not been I've been completed. It is now XX/XX/XXXX and it has been over a year now. Experian confirms that my dispute was received over a year ago and was never validated within the 30 day time frame. I am requesting this account be removed from my credit report immediately. My ability to apply for credit has been negatively impacted based on this erroneous entry.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute on my account in XX/XX/2022 in regard to an XXXX charge of approximately {$270.00}. The reason being that I did not authorize or consent to the purchase and already contacted the merchant in good faith to request a refund. After, discussing with merchant further, I was told that I would be refunded once the good was returned to them, however the good was too large and heavy to return to the merchant without shipping assistance. The merchant was initially not helpful to this concern, and I was not making any progress in getting sufficient communication from the merchant on how to return the good. 

After submitting dispute to Amex, I was emailed a response that they would investigate the dispute of {$270.00} and would reach out to me via email to : ( 1 ) update me on the status of the dispute ; ( 2 ) request additional documentation if needed. After a period of time of no response, I contacted Amex again to inquire as to the status of the dispute and find out why the amount was not returned to my billing account. Amex informed me that they closed out their investigation, however I ( 1 ) was never informed of the status of my dispute or ( 2 ) given any opportunity to submit any documentation as indicated. I requested that the dispute be reopened or appealed but was not given any chance to do so. I was told that my only recourse was to again contact the merchant directly.

I once again contacted the merchant to attempt to resolve this dispute. The merchant then ( 1 ) agreed in writing to authorize the refund me without having to send good back and ( 2 ) told me that I should have already received the amount back from Amex. I still had never received this amount back, so I once again reopened dispute with Amex. Amex is still refusing to credit me for the refund amount after repeated attempts to dispute the charge, and the merchant agreeing that the amount in question should be refunded back to me.

Amex violated the cardmember agreement and the rights of the customer as follows : ( 1 ) did not give customer adequate opportunity to provide documentation in regard to the dispute, ( 2 ) did not inform or update customer as indicated regarding the status of dispute, ( 3 ) did not refund a customer for an initial unauthorized purchase, ( 4 ) is refusing to accept new dispute or additional documentation, and ( 5 ) is not refunding amount back even though customer and merchant are now in agreement as to their intention that a refund should be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is my second complaint on consumerfinance.gov regarding this issue. I sent dispute letters to the credit reporting bureaus in the past and again in XXXX and XXXX disputing information that is inaccurate and not mine on my credit report but they are still updating the account and leaving it on my report. I sent 609 letters letting them know the accounts are inaccurate and to please provide statements and records of all payments made and missed since I opened those accounts but they have not. There are some accounts that are charged off but accounts has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. This also falsely manipulates the statute of limitations.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below.
According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2023-01-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint with The CFPB after unsuccessfully trying to get Discover to honor their promise not to hold customers responsible for unauthorized charges. I had {$12000.00} in unauthorized charges that discover refused to protect me as they promise. Our took me about 18 months of back amd forth struggles with them. When I finallly went to the CFPB I won XXXX discover finally refunded my money. They were so angry that they lost that in retaliation they said they were closing both of my discovery credit cards. They claim that it was a business decision but that could not be the case because I was am excellent customer for almost 40 years. Discover was my first card when I was XXXX. I always paid on time and spent over {$100000.00} in the prior year. Closing the accounts of a customer like me was a very very bad business decision. I was told that it was XXXX himself, the CEO, who decided to be so spiteful and retaliate against me for exercising my rights and filing a complaint with CFPB. 

The problem for me is that this account is the account that Ive had the longest and it supports my credit score significantly. If the account is closed, my credit score will drop almost 100 points. I have been paying the final balance on my card the minimum amount for the past eight months or so to keep the account from being closed because of that Ive been paying a lot of interest. Eight months or so to keep the account from being closed because of that Ive been paying a lot of interest I believe it is unethical, immoral, and unfair, that I am being persecuted and penalized for exercising my rights and I request that my accounts be reinstated, because closing it for no good reason, except for spite, has a defamatory affect on my credit score.

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty he closes the account of it, XXXX of his best customers simply for spite. 

I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty that he closed the accounts of it, one of his best customers who had been a loyal member for almost 40 years simply for spite. 

I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, A judgement was awarded to Stillman Law Offices for an old debt from XXXX XXXX. This Judgement was awarded in early XXXX. Since then I hadn't received any information concerning this debt, their desire to collect on it or notification of any action. In XXXX of XXXX, I received a letter from my employer notifying me of a wage garnishment from Stillman Law. There was no information about a file number, account number or any type of reference. 

I emailed the person listed on the garnishment paperwork and got no response. I looked up the original judgment case on file and emailed everyone associated with the case - no response. I called the number ( XXXX ) XXXX on XX/XX/XXXX at XXXX. Since I didn't have an account number / file number, I was transferred around to people who were " not an attorney '' finally landing with someone. I asked that person about this debt and requested information on the firm 's correspondence. She said that they hadn't sent me a letter since XX/XX/XXXX but that they weren't going to give me any other information " because they weren't legally required to '' - which was the response from her supervisor. Let me be clear, this woman was trying to be helpful, but it seems that company policy was restricting her from doing so. 

Finally, I asked for a " Debt Validation Letter '' in the hopes that this would provide me with some sort of documentation - and because I knew I was entitled to one under the FDCPA. She agreed to have it sent out but would not share any more information. As of the date of this complaint, I have yet to get a copy of that letter. 

I was under the impression that this debt was charged off and since I never heard anything after the judgement court date, I didn't have reason to think differently. So far this firm has engaged in dodgy practices that make me believe that they are hiding something. Unfortunately, I don't have the resources to hire a lawyer and feel I shouldn't be victimized solely on that basis. 

Note : There will be no attachments to this complaint because I have no documentation or communication from Stillman Law Offices to submit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/22, I tried closing my account that's associated with the email XXXX multiple times! I couldn't because it was limited ( no reason was given ). I even uploaded my driver 's license ; instead of further verification, the account permanently limited -- -there was no mismatch, for the record! I want my account closed -- -that 's all I wanted! They have no right to keep my data in their system! " Once an account is limited there is nothing we can do. '' What a disgusting company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: DE
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 # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation