BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company refuses to send me an updated mortgage stat so I can provide it to Florida Department Of Economic - Homeowners Assistance Funds. I have asked and is ret with resistance I asked for a statement and they tell me Im on a coupons that do have. They sent me coupons back In XXXX  and nothing since. The have I need the Mortgage statement for XXXX or XXXX ASAP. My email address is XXXXXXXX XXXX XXXX  fax number XXXX Account number XXXX. Cardinal Financial is refusing and blocking me from receiving help from XXXX. Telephone number XXXX. Times is not on my side

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
First contacted XXXX, XXXX, Trans Union and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXXand closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2020 about XXXX eastern time i called Transunion , XXXX  and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

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 2018-12-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018, I made an attempt to transfer membership reward ( MR ) points from my American Express ( AMEX ) account to my XXXX XXXX XXXX ( XXXX ) account. The transfer was blocked by Amex and I was unable to transfer my points to a trusted travel partner. The points are supposed to be used to book my XXXX award airfare to my own honeymoon next year. I already booked my wife 's ticket on XXXX. This is a time sensitive manner due to XXXX award tickets being limited in amounts and the time it takes to transfer MR points to XXXX ( at least 48-36 hours ). If my MR account freeze is not lifted in a timely manner ( within 24 hours ) I am afraid all XXXX award flight tickets will be redeemed by others, leaving me stranded on my own honeymoon.

I have contacted the MR department several times VIA phone and online chat function to try to remedy this situation. I have spoken to customer representatives and supervisors regarding my case. Every attempt to remedy the issue or get clarity has been futile. This is my last attempt to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBE group has constantly harassed me about a debt claim owed by XXXX. I told them and XXXX  i don't owe this. I told them Verbally in writing and told XXXX  directly to stop all communication. I disputed this with all 3 credit bureaus as well. CBE Group uses XXXX  area phone numbers in hoping i will answer. I have blocked 20 different numbers they have called from. The number doesn't identify them as a debt collector or their name. I have received on days 6 calls even after i repeatedly informed them to stop. They just call from different numbers, even Identifying as XXXX, i questioned the rep that but said she didn't know.I They won't tell me why they are calling. I know why, they tell me they can't unless i give address and social security number. I was a victim of identity theft so i won't give my social. Explained to them, they still asked immediatley after

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: WAKEFIELD & ASSOCIATES, 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:
Upon checking my consumer report, I see that Wakefield Associates is reporting a medical bill which is a violation of my consumer rights. ( 15 USC CODE 6803 ) and HIPPA violation!! 
Medical debt on a consumer report is illegal, and due to this it is causing me stress when getting denied for credit I apply for. 
I demand these accounts be deleted, and a mailed check for {$1000.00} be mailed to a address I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 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 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There are several inquires reporting on my credit profile that are fraudulent and does not belong to me. Below are the fraudulent accounts : TransUnion : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2019-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both Select Portfolio Servicing ( SPS ) and XXXX ( XXXX ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although XXXX did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized SPS as their attorney in fact ; according to the documentation SPS provided. Either they did or did not authorize SPS as an attorney in fact. If they did, they are culpable. I would like written confirmation from XXXX stating in the affirmative the fact they did or did not authorize SPS as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX AOM ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX SPS references in the XX/XX/XXXX XXXX. The actual address is unknown as it is not listed in the mortgage document referenced by SPS. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both SPS and XXXX are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than SPS or XXXX, as it is evident they lack the integrity in their ability to investigate these matters independently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/2019 at XXXX XXXX, I wired {$4400.00} from the Western Union satellite location at XXXX XXXX  XXXX in XXXX, GA. I paid extra for an urgent transfer which should have been credited to my account within 24 hours. My bank never received the money. I contacted them and Western Union multiple times between Friday and Wednesday of the following week. Western Union repeatedly changed their story about what happened to the money. One operator said the money went to the wrong bank. One operator told me the money was never sent. One operator said they would get it back within 24 to 48 hours. Another said there was no guarantee whether they could get it back. After talking to a supervisor and having an officer from my bank attempt to reach out to them, per his instructions, with me on the line, they stopped answering my calls and deleted the transaction from the tracking system. I have emailed the company through their corporate site. In the meantime, this has been financially devastating for me and my family. without recourse, we have no way to recoup those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers. 

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX days late For the month of XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: CITIBANK, N.A.
State: TX
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:
Hello, My name is XXXX XXXX. My credit card number is XXXX XXXX XXXX XXXX. I made a transaction to buy 2 cases of product in XXXXXXXX but I never received my goods. Then, I opened a dispute in XXXXXXXX with Citibank and they denied my dispute. 

I don't understand what kind of investigation the bank did but I never received my purchased product. Moreover, the XXXX  tracking the merchant provided in the attached letter clearly shows the product is damaged and the merchant has been informed. But I never received my money back. The bank has been negligent in its investigation process. 

Attached is the screenshot of the XXXX  tracking that the merchant provided. Please open an investigation and refund my money. 

Thanks

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 2021-11-02
Company: Sequoia Financial Services
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:
Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with Sequoia Financial Services XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
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. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person SHALL NOT furnish ANY information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by XXXX XXXX. But despite that, XXXX XXXX continues to report this account on my credit profile. I have been in contact with the credit bureaus and XXXX XXXX to correct this error, but the account continues to remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company XXXX XXXX and three different collection companies regarding a debt bill for XXXX XXXX and although the debt was a result to identity theft when they first contacted me to pay it with XXXX and XXXX XXXX  ( I thought it was a law firm for a parking ticket and scamme me into paying it ) I did, then it was resold to XXXX XXXX and I explained to them that I paid it and then it was resold again to Penn Credit Corporate now reporting under XXXX XXXX for {$120.00}. I went back and contacted the collection company XXXX XXXX XXXX that I paid and they said that I no longer owed the debt and verified but they are not required to contact XXXX! This debt is continuesly being resold and is tarnishing my name! XXXX Manager stated to me that she can not do anything about it when I submitted proof and identiy afidavits as well as police reports. 
I do not owe this debt and it needs to be removed asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
REPEATEDLY contacted them about verifying debt and they will not verify the debt ... they will only keep asking me for more information.

Company response to consumer: Closed with explanation