BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: TN
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX  XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXXXXXX ( Equifax : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, XXXX CREDIT CARD Firstsource Advantage , LLC I settle the account with Firstsource on the ammount of {$520.00} and this company was going to notify XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD and delete it from my credit report but it does not show on my credit report, it shows that the account was reduced by {$520.00}, still shows that I still owe XXXX  money. I settled the account for {$520.00} and they were going to delete it from my Credit Report. I have the letters they send me of total deletion. Please DELETE THE COLLECTION FROM MY CREDIT REPORT AS THEY PROMESSED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/18 I call them to find out why keep calling my phone number XXXX  days from different phone number across the country. I was told the computer selection of days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: MUFG AMERICAS HOLDINGS CORPORATION
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:
* XXXX Received an email notification from our credit monitoring company, XXXX, that a dormant Union Bank credit card has recent activities on it. Called the bank on same day and found out XXXX fraudulent transactions for amount of {$980.00} were placed in XXXX. The representative said he will report to Fraud department and it should be taken care of within 30 days. 
* Received a letter on XX/XX/2022 that they are looking into this matter and will contact us if additional info is required. Also the original card was closed and a new card was issued, but the balance of fraud transactions along with added fees and interests ( {$37.00} ) were placed on the new card. 
* Received a collection letter on XXXX XXXXXXXX XXXX asking to pay a minimum payment of {$40.00} for the balance of {$1000.00}. Realizing that a phone call may not suffice, submitted an official certified dispute letter dated XXXX XXXXXXXX XXXX disputing the fraudulent charges and mailed to the address outlined in the back of the statement. 
* Received another collection letter dated XX/XX/XXXX and XX/XX/XXXX. Called Collection department several times stating that the fraud charges are under the investigation, however, the representatives informed us that their department does not communicate with other departments and referred us back to their customer service or fraud department. Between XX/XX/XXXX and XX/XX/XXXX, left several messages to a XXXX at the fraud department with no avail. We were also given the run around when we contacted the customer service department. 
* On XX/XX/2022 our credit score dropped XXXX points to XXXX due to late payment/past dues for this credit card. 
* Wrote a XXXX official letter dated XX/XX/XXXX, requesting a quick resolution to this matter and to contact the credit agency to repair the damage. 
* On XX/XX/2022, we received a letter from fraud management services stating the credit was given for all the unauthorized charges. 
* Called the Customer service department on XXXX wanting to close the account, they informed us that the account has a balance of {$57.00} plus amount for all the fees and interest charges accumulated from the unauthorized charges. The representative said he will put a request to see if they can waive these charges, but we have to wait until XX/XX/XXXX to verify its approval.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education : account XXXX XXXX and XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-12-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Our mortgage are consistently late. This month we received our statement on XX/XX/XXXX and we put the check in the mail day. We also called truist and informed them of it. We have called them multiple times about this issue. When we got XX/XX/XXXX statement we saw that they had processed the payment on XX/XX/XXXX making our payment one day late payments are actually die on the XX/XX/XXXX and late by the XX/XX/XXXX. So now they are charging us {$50.00} late fee even though it is their fault and they were informed of the situation they said that they were unable to reverse the late fee and they had to turn it over to a supervisor and they would call back. We have called and called. They keep saying that they will call us back but we have yet to receive a call.

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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates,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 explanation
Consumer complaint received 2023-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I complained about my escrow account being inaccurate since XXXX XXXX..I made complaints with Consumer Financial Protection Bureau and Department of Financial Protection . My biggest fear was our escrow account would be in a perpetual shortage because SPS initiayll had the escrow account correct when they became my mortgage servicer in XX/XX/. Then SPS did an incorrect analysis on my escrow account lowering my property taxes from {$18000.00} per year to {$2000.00} per year to {$9000.00} per year. I complained several times ... .I expressed that there was going to be a monthly shortage amount added to our mortgage that we would not be able to pay and we would lose our property .... MY BIGGEST FEAR HAS COME TRUE. SPS has increased our monthly mortgage amount over {$800.00} p0er month... We can not pay this. We just purchase our home and we are going to go into foreclosure due to SPS 's mistake ..... There has got to be something that can be done with this monthly shortage amount so that we do no go into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: WELLS FARGO & COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed a fraud claim through Wells Fargo Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the Wells Fargo Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} XXXX transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. Wells Fargo Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX with XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for XXXX to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the XXXX money and a case number which has been dropped by Wells Fargo Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from Wells Fargo ( XXXX Ext XXXX, Claim # XXXX ) officially advising that Wells Fargo Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.

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 2021-05-07
Company: AMERICAN EXPRESS COMPANY
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:
The American Express reporting Charge-Off in my personal credit account. This was strictly for business. My business investment possessed fraudulently. 

Please see the factual detail : The American Express card was strictly used for my business in Hawaii. 

This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with American Express and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit as this was strictly for business. As my business investment fraudulently possessed since 2017 '' Please remove this negative item of Charge-Off from my credit. 

Your consideration is required and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan with Nertcredit last year for XXXX and from the time of me having the loan, I have only paid down to a couple of hundred dollars. The interest on this loan is extremely high. When I read about NetCredit Loans, apparently there has been a lawsuit against this Company because of charging people high-interest rates. I was unaware of the interest at the time. With the interest rate, I'll be paying back XXXX. I have been trying to contact them about this. I would love to settle this and stop paying on this high-interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX, Experian, and XXXX are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that XXXX, Experian, and XXXX provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

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

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 2022-01-31
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MrCooper, an unknown to XXXX XXXX company, bought our mortgage on XX/XX/XXXX. They sat on our account for several weeks and did not send a payment invoice. We received an invoice on XX/XX/XXXX, that showed it was due on XX/XX/XXXX and past due after XX/XX/XXXX, meaning our payment was already late before they sent out the invoice. 

Tomorrow, XX/XX/XXXX, our next payment will be due and we still do not have an invoice for this payment, even though this company bought our mortgage 4 weeks ago. 

I have asked " Mr Cooper '' to defer payments, give us a payment plan or some other solution besides requiring us to send 2 mortgage payments 5 days apart. I have been told there is absolutely nothing they can do for us, and fees will be assessed for late payments if we don't make these 2 payments days apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After an initial truth in lending disclosure, I have never received a periodic statement from this company. I enrolled in auto pay, but never received regular communications about my account balance and how my payment was being applied, what the interest charges were, or how long it would take to pay off my balance at my current autopay level. 
On XX/XX/22 I checked the website to learn my payoff balance. The information was unclear and confusing. It showed a balance owed and also a credit of more than the balance owed. There were no online statements where I could see how my payments were applied and their impact on my balance, only a record of the payments and interest charges. I had to wait until the company was open to get an explanation. They told me that the credit on my account had already been applied to the balance, which was really confusing. I am still not sure that is true. I was able to confirm verbally that if I pay off the balance owed that my account will be XXXX and I will not have over payed but this information is not clear from the online account information.

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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting 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:
Fraudulent inquiries showed up on my reports and I have no idea where they came from. My identity theft report from the FTC and the IRS were recently sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In the past six months I have received notices, after the fact and reported information sent to my credit reporting agency that my credit usage on my credit cards ( 3 ) to be exact were lowered. Aside from that, the interest rates are increasing to no end. This is unconscionable and unacceptable. I have been a long time consumer with no late payments and always paid more than the minimum due. They had no right to lower my credit line when they are being paid on the due date on a timely basis. Then they increased my interest rate without any notification whatsoever. They are nickel and diming me and this has become a problem. How is anyone supposed to keep their credit score and obtain credit when they notify the credit reporting agency of these issues as well as increase the interest and minimum due. Something needs to be done about this! This can not go on forever and it isn't the first time as you can see from my prior complaints. Whats the purpose of this when you, the CFPB, find this acceptable.

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 2022-06-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
account resolution servi is reporting to XXXX, XXXX and XXXX that i owe them {$780.00} {$710.00}, i am not sure how they got these calculations because i never did business with them. i been disputing this account since 2018 and haven't gotten any response from them besides a attempt to collect on the alleged debt. they had 30 days to complete the re-investigation, yet they have failed to respond its been 2 months any Further delays are inexcusable. i am looking to get custody of my kids and need to move to a bigger apartment but this one account is holding me back. I have been more than patient with this company. It is unfair to my kids and I, it's like I have no rights over my report. please remove this account from my credit report they have no provided me anything to support the fact that i owe them money. They need to successfully discharge the debt or seek a different type of remedy besides ruining my credit. account number 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