BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I sent a payment from my XXXX checking account in the amount of {$740.00} to American Express Delta Card. I used an old EFT transfer instead of a new Bill Pay and the money never applied to our credit card. After about 15 days or so we called American Express and the lady we spoke to did a scan of payments in their system for XX/XX/XXXX in the amount of {$740.00} and said she found it and would apply it to our correct credit card account. We waited another 15 days or so and nothing was credited. We called back and there was no record of the money found or a transfer to our credit card. We opened a dispute at that time and it took a long time for American Express to close it after we supplied them all the information we could from XXXX. After American Express closed the dispute we went back to XXXX to see if they could pull the money back but they could not to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: David E. Gray Attorney at Law LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
David E. Gray, Attorneys at Law, LLC XXXX XXXX is my contact with the company. 

I arranged an agreement with the company to pay $ XXXX/month until my debt of {$350.00} was paid off. 

I have been charged more than the agreement more than once and after I have contacted XXXX to cease. 

The payments are electronic payments through my debit card with my checking account. 
I am low income and even such a low debt is extremely crippling to me. I can not afford to eat now because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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 2023-05-26
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called PHH Mortgage Services and told them that I wanted to pay a year rent. They refused that I could only paid for 6 months, which I did. They payment covered XX/XX/XXXX to XX/XX/XXXX. I sent the payment for XX/XX/XXXX ahead of time. Instead of PHH applying the payment, PHH put my payment in my escrow account which the admitted to. Instead of marking my payment from XX/XX/XXXX to XX/XX/XXXX, PHH Mortgage sent my name to credit bureaus that damaged my credit. Moreover, PHH Mortgage decided to modify my loan unknown to me, which I refused because I have been payment my rent. I have called the company on several occasions to have the settled. I have to deal with different crisis intervention team that realized that their errors and promised to take care of it but never did. My name was sent to a law firm that harassed me with so many calls. I got back on the phone and told them that their lawyer was calling constantly. Again, after going through another lengthy discussion with an apology and promise to sent in a letter of an apology, it never materialized. 
PHH is deliberately trying to foreclose on my home. Have so many people calling to buy my home. This is a criminal behavior and predatory lender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank closed my account XX/XX/2020 told me my fund would be sent never got them everytime I reach out no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions. 

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected.

3. 15 USCS 1666b This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report. 

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-04
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-04-20
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Greetings, On XX/XX/2023, TD Bank froze my XXXX checking account with the balance without any notice. I am being transferred to the TD Levy department. However, the supervisors and representatives do not provide me with any information or documentation regarding what are the status of the account and the rationale behind this action. The account is marked with TRO, which I assume could mean temporary restraining order. I have no assumption about what this could mean but before I take legal action against this company that I banked with for years and file the lawsuit, I would like kindly ask TD Bank for a resolution as well as the details of what happened to my account. This is my second time attempting having communication with my bank. 

Best Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 willfully 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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX  : {$0.00} ; DEPTEDXXXX   XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX XXXX  : {$0.00} Date Opened : 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 2023-02-23
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: Investigation took more than 30 days

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 Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2019-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
COMPANY : SPS or Select Portfolio Servicing , Inc . 
STATUS : 2d Mortgage In XX/XX/XXXX, XXXX XXXX was XXXX XXXX military, serving in the XXXX XXXX XXXX, stationed at XXXX XXXX, VA. This loan was sought as a refinance to gain cash for debt relief ( e.g. pay off bills ). We are victims of SPS in the facts that we sought a lower interest rate and invoked protections under the SCRA and the MLA both intended to protect XXXX XXXX military from subprime lenders which disproportionately affected XXXX XXXX such as ourselves. We have tried throughout years up till XXXX of XXXX ( XXXX XXXX military retirement date ) to request SPS lower the IR but were ignored. We sent certified letters invoking the SCRA and MLA but SPS ignored our inquiries. To date, we are just pouring money down the drain so to speak as the interest is so high and unreasonable SPS contract loaned us $ XXXX in XX/XX/XXXX and has calculated a $ XXXX payout at the end of this loan. This is unreasonable and should be illegal! Now, we seek help from CFPB as we don't know how to relieve ourselves of this subprime mortgage as our efforts to get a reasonable rate has been ignored to date. We have researched the web and found that we should send a " Notice of Error '' for the following because we don't understand our loan terms and it seems with every statement we have extensive fees added to the and swelling principal. No matter when we paid on time or like now, we have not paid since XX/XX/XXXX due to financial problems the principal always increases and never decreases. 

We contend that SPS is : -applied subprime interest rates exponentially high that loan payoff is impossible -refusing to accept conforming payments -improperly applying or crediting payments -imposing unreasonable fees or charges -failing to provide accurate information regarding workout options and foreclosures -dual tracking the customer ( where the servicer pursues a foreclosure while simultaneously evaluating you for a modification or other workout option ), and improperly starting a foreclosure or conducting a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: MN
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXXXXXX Balance : {$96.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$10.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$21.00} ; XXXX  XXXX Balance : {$80.00} ; XXXX  XXXX Balance : {$210.00} ; XXXX  XXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$28.00} ; XXXX  XXXX Balance : {$570.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XXXX  Balance : {$0.00}

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 2023-12-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A dispute was submitted on XX/XX/XXXX for several ATM transactions that were not properly dispensed. No money was dispensed on each attempt, instead the ATM displayed an error message to contact your financial institution. The transactions are as follows : {$500.00}, {$500.00} and {$200.00} on XX/XX/XXXX. {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$200.00} on XX/XX/XXXX. An attempt was made to rectify this problem with the merchant but was told to contact my bank. TD bank ultimately made the decision to deny the disputes only 1 day after they were submitted, without citing an explanation for doing so. On XX/XX/XXXX an attempt to retrieve additional evidence was made. TD was not able to formulate how their decision had come about. No ATM logs could be located to verify authenticity of their decision. As a XXXX XXXX XXXX for, XXXX XXXX XXXX XXXX, I am very knowledgeable about Regulation E and the guidelines it entails. It is my belief that TD Bank is in direct violation of XXXX XXXX and they are not committed to their duties of putting their customers first. Again, I feel like no effort was made in this dispute process. How can a decision be made in 1 day?! Thats not even enough time to retrieve the ATM reports. Someone has dropped the ball and it could be costing customers their hard earned money! I am filing this formal complaint asking that an investigation be conducted immediately into the banks practices regarding federal regulations! I will also be seeking to retain an attorney in this matter. Absurd and ridiculous is what this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we have house mortgage with State bridge company, as recently due to COVID-19 i have lost my Job. I have reached out to the Mortgage company to keep the payments on hold per the recent announcement until the pandemic resolves. But the Mortgage company ( state bridge company ) rejected my request as the investor on my loan is private investor. they have suggested to hold untill couple of payments but not untill the COVID-19 pandmic ends. I would request CFPB help us in resolving this issue.

Company response to consumer: Closed with explanation