BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
American Express suspended my Bluebird account twice unexpectedly and leaving me without any recourse. It appears that American Express pays substandard wages to customer service representatives out of the United States who are unable to comprehend the complex banking regulations of the United States and limit the call interaction to a canned script. American Express alleged both times that I supposedly violated Section 22D from their member agreement. The first suspension was after I transferred {$55.00} from my checking account at another bank. I reported the attempted fraud from American Express to my checking account institution, prompting American Express to unblock the Bluebird account and I proceeded to inform my banking institution. During the suspension period, I investigated reviews from other customers and found that American Express suspends accounts for trivial reasons. So, after American Express restored my Bluebird account, I decided that it was best to spend the card balance immediately rather than allowing American Express to arbitrarily suspend my account again. My intuition was correct because American Express suspended my account the next day with {$0.00} remaining. It seems that prepaid cards are not strictly regulated as credit cards in the United States and American Express abuses the system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We took out a reverse mortgage in XXXX XXXX with XXXX XXXX who sold to Champion Mortgage loan number XXXX borrower past away in XXXX XXXX and the non-borrowing surviving spouse has been trying to sell the home. In XXXX XXXX Champion sent the estate a payoff demand due to the death of the borrower. Per the terms of the original loan we believed there were 6 months for the sale of the property plus extensions if necessary. 
We sent in our notice of intent as instructed by Champion along with authorization as trustee of the trust. The home was initially listed on the market as for sale by owner. 
We talked to XXXX of Champion on XXXX/XXXX/XXXX after receiving their denial letter of XXXX/XXXX/XXXX. She acknowledged that we had properly complied and everything they needed was in the file. 
On XXXX/XXXX/XXXX we spoke with XXXX of XXXX regarding the letter of XXXX/XXXX/XXXX saying the request was incomplete but did not detail what was missing. XXXX resolved that we indeed current with all documents. 
Champion the letter again on XXXX/XXXX/XXXX yet it was the same request so per earlier conversation with XXXX they had this data. On XXXX/XXXX/XXXX we spoke to Champion and XXXX regarding their letter dated XXXX/XXXX/XXXX. He told us to submit another extension request if needed as the property was now listed with a Realtor and in the XXXX system. Accordingly before the expiration of our first extension we sent another extension request on XXXX/XXXX/XXXX. 
Following our request for the second extension we received a letter from Champion attorney dated XXXX/XXXX/XXXX and spoke with her XXXX/XXXX/XXXX. She was only taking direction from Champion or Nationstar. Not sure if transferred or not. Then we received letter from Champion dated XXXX/XXXX/XXXX denied our extension request as it did not have supporting documents. Earlier they told us they could see the listing via the XXXX so we did not send our listing agreement with the Realtor. Then we receive a notice of default from Nationstar dated XXXX/XXXX/XXXX and a copy of the NOD from the attorney recorded XXXX/XXXX/XXXX. 
Today XXXX/XXXX/XXXX we called Champion to get some resolution as to the extension and XXXX XXXX refused to speak with us as he told us we had not authority on the file. This after we have sent all the data requested, confirmed on several conversations. These guys are bullies trying to maligning the widow of an FHA insured loan whereby they have no additional risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Allegiant Capital Recovery LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Allegiant Capital Recover Services, based in XXXX New York, has been threatening to collect old debt from an unlicensed payday lender. Despite multiple attempts to dispute the debt under the Fair Debt Collections Practices Act, the company continues to ignore my requests for validation and to cease communication. The issue at hand in this complaint is the fact that I settled the account back in XXXX of 2020 with the original lenders previous debt collection company, XXXX XXXX. The payment cleared my account and was never refunded or chargeback as this " new '' debt collection company is indicating. The bank has confirmed their erroneous claims. In addition, XXXX and their parent company are not licensed to conduct business in the State of California, voiding any said debt under California law. See attached advisory alerting the public of the original creditors illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date DC 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 2019-11-20
Company: Americas Car-Mart, Inc.
State: OK
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:
In XXXX of 2016, I purchased a used vehicle from XXXX. ( Colonial Auto Finance ) I traded my current vehicle that was purchased from XXXX  towards the purchase. Within a week I started experiencing mechanical problems, and continue to over the next couple of months.After the vehicle being put in the shop for a week here and there, eventually I was told the cost to repair the mechanical issues were more than the vehicle was worth, but they could do a return or 'acceptance of collateral ', which would satisfy the purchase price of the vehicle and in turn would not have a negative effect on my credit. I agreed to those terms and went elsewhere for my next vehicle purchase. About a year ago, while trying to get financed on a house, we were told this debt was showing up negatively on my credit report. I contacted the dealership where I purchased and spoke to the manager I had done the deal with. He reassured me he would get in touch with the corporate office, and remedy the situation. We have disputed the debt through credit-monitoring companies, but still have a derogatory remark on our credit, showing the account is closed and the remaining balance was never satisfied. We have requested removal. We have contacted the finance company directly, who told us it should reflect negatively because it shows us to be current on payments, however there is no balance due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
. I am writing to dispute and address the inclusion of incorrect information in my credit report, which I have previously contacted Experian about on multiple occasions. Furthermore, I have reason to believe that Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) in handling this matter. 
Additionally, I am concerned that Experians handling of my dispute may have violated my rights as a consumer under the FCRA. I believe that Experian has failed to conduct a reasonable investigation into my dispute and has neglected its responsibility to ensure the accuracy of the information it reports. These alleged violations not only undermine my confidence in Experians commitment to protecting consumer rights but also have significant implications for my financial well-being and future opportunities.

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 2021-06-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: TRUHOME SOLUTIONS, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent an Eform from Mortgage Company Tru Home Solutions website, Requesting Forbearance On my FHA Loan with Covid-19 Relief Laws in place on XX/XX/2021. 
Email returned from them states that our loan ( FHA ) Does not meet their Criteria. 
It's my understanding that you just need to be in Hardship and hold a Federal Backed loan!? 
We feel they are just throwing paperwork at us to waste time on run out the short time that we have ( XX/XX/2021 Deadline ), so they can deny and say oh you missed the deadline or any other reason in their favor. 
I also have some information about mortgage that I would like to attach in .jpeg format. 
Also sending over the email I got from them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, Ca XXXX ; XXXX XXXX XXXX  XXXX, XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} 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 an alleged 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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX and I am submitting this CFPB Complaint to request to the removal of the fraudulent accounts and iNformation off of my Credit File. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that are found to be fraudulent or items resulted due to Identity theft. Please find the required documents to assist in the removing of the fraudulent information which are being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$310.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00} XXXX XXXX. XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX FIRST XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ), as the Credit Bureaus, you 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 2021-06-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX in my account SunTrust and one day I was to the bank and they told me that my account was close for any reason that I didn't know.. After they told me that legal debt collection but the problems is that I didn't receive any documentation in my house regarding who's company I owed money. I would like to receive my money because is to many time that I go to the branch to ask then and I don't receive any cuestion. I contact already the department but they don't answer. This issues was more than 8 month but they took the money from my account XX/XX/2020 amount of 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 monetary relief
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX  I have informed the consumer reporting agencies XXXX Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity ThefXXXX XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been banking with Wells Fargo since XXXX when it was XXXX XXXX. 

My local Wells Fargo branch in XXXX XXXX XXXX MD is where I did the majority of my banking. 

I would go to the branch to do deposits and my account was a primary checking account preferred customer. One of my children is XXXX and would be with me and her attention is very short. 
The sales associates at the front counter were always trying to get me to sit down with one of there sales banking representatives or the manager. I explained many times I was ok with my account at there bank and was not interested in other bank services.This harassment went on regularly. 
We ran into some financial difficulties with my child attending hospital and getting XXXX XXXX outside the home.We defaulted on our junior lein on our home. 

Recently Wells Fargo contacted me about our accounts with them and reviewed the history with me. XX/XX/XXXX there is a credit card denial and went over the reasons. 
I have an active credit card with Wells Fargo for many years. I never applied for this card in XXXX and they said they have no history of me applying .This is identity fraud FULL STOP. 

In XXXX I did apply for a home equity loan with Wells Fargo to pay our delinquent junior lein on our home. The application was denied because of the serious delinquency we had. 
I can understand why they rejected the home equity application but I feel when we were trying to building our credit score back up sales representative runs my credit and tried to open a credit account so he could earn commissions.

My credit score would drop down more when the rep pulled my credit for the credit card. 
I am trying to rebuild and some sales representative drags my score down more. 
I would like to talk to some senior management on this matter. 
Respectfully, 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within XXXX days ( XXXX ) from an agent from the billing department. I was never contacted, rather late payments were reported to my Transunion and XXXX consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.

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