BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX card with American Express ( closed, by me ). They made it explicitly clear that the account was closed and no there were no additional transactions allowed. I couple weeks ago I noticed a transaction called financial relief spend for XXXX, and then another charge removing it. 

It is suspicious so I called. They told me that it was them changing spend from my pay in full to pay over time balance buckets so that I can maintain the XXXX payment plan for XXXX additional month. This seems like a benefit, though random and not ask for, they also increased my XXXX about 15 %. 

I dont believe this spend was a balance bucket transfer ( I see no evidence of that ), and it coincided with a XXXX XXXX of about $ XXXX that occurred between my mother and myself on the same day. 

I was told this would be investigated and I would hear back, I never heard anything. 

I have screenshots of all of the transactions. Also during this time, Amex initiated a name change for me without my authorization. When I brought it up, they denied it, but I have a screenshot of their app showing that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I do not have tge exact dates or amounts.

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 2018-03-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to validate - through the physical validation of the original signed consumer contract - any and all accounts you post on a credit report. 

I demand to see Validated Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively validate this account has hurt my ability to obtain credit. Under the FCRA, invalidated accounts must be removed from credit reporting agencies and if you are unable to provide me a copy of verifiable proof such as : 1. The agreement you have in place with the creditor that duly authorizes you to collect on behalf of this debt. 
2. The agreement reflecting my signature that confirms my acceptance of the obligation. 
3. The complete payment history on this account A copy of a billing statement that you provided, is NOT sufficient validation of me owing this debt to you. 

Until your office fully complies with my reasonable 2nd request for validation, I expect that there will be no further efforts on you part to collect on this debt. Additionally, if your office fails to reply to this letter within 30 days of receipt of this debt validation letter, this account must be deleted from my credit profile with all three credit reporting agencies, and no further efforts to collect on it can be made. 





Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX {$2800.00} Invalidated Account see attached documentation for complaint with consumer financial protection bureau for refusing to validate date. 2nd REQUEST FOR  VALIDATION Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to you today to file a complaint against Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. My loan number is XXXX. 

On XX/XX/2023, Shellpoint placed force-placed insurance on my home because they did not receive proof of my existing insurance policy. I immediately provided them with proof of insurance on XX/XX/XXXX, but they have not yet removed the force-placed insurance or refunded me the premiums that I have paid. 

It has now been 25 days since I provided them with proof of insurance, and they have still not taken any action. This is a clear violation of 12 CFR Part 1024.37, which requires them to remove force-placed insurance and refund the premiums within 15 days of receiving proof of valid insurance. 

I have tried to contact Shellpoint on several occasions to resolve this matter, but my calls and emails have gone unanswered. I am now forced to file a complaint with the CFPB in order to get my issue resolved. 

I am requesting that the CFPB investigate this matter and take appropriate action against Shellpoint. I am also requesting that the CFPB order Shellpoint to remove the force-placed insurance from my home and refund me the premiums that I have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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

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 2021-04-29
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Continuous monthly occurence. My work sends direct deposit information to the banking entiry days before payday. Now moneylion advertises that it will pay you two days early for aetting up direct deposit. However, this has only happened two times for the last six months. I used to bank with XXXX and always received my paycheck two days early as advertised. This bank does not honor what they advertise which has caused me to have late fees for bills. As im going with what is being sold to me. Part of the reason i switched banks in the first place. Was their Banking features. Their XXXX feature is also misleading and falsley advertised even when paying a XXXX $ a month membership fee to use that particular service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally Financial has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.

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 2020-07-10
Company: EQUIFAX, 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX  accounts listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my 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 2021-04-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  is the only one that had deleted the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The week of XX/XX/XXXX XXXX XXXX called my work and I told them that this is my work and I was not allowed personal phone calls. The caller keep trying to talk and I told him again that this is my work I am not allowed personal phone calls and again he still tried to keep talking so I hung up. Today XX/XX/XXXX they called again at my work and I told them they called last week and I told them not to call this number it was my work and I am not allowed to receive personal phone calls. She the caller keep talking and I told her not to call this number it was my work and she said she could call this number and I told her it was against the law and she told me it was not against the law and she can call it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NC
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:
Several fraudulent accounts are reporting on my credit report as a result of identity theft. Equifax I was told would remove and block these accounts. On a call made friday the XXXX I was told that the fraudulent accounts would be blocked from appearing on my credit report within 72 hours and was given XXXX confirmation numbers supporting this. I called back today the XXXX to confirm this information and to ensure these accounts were removed and blocked from my credit report to which the representative informed me that the previous representative was lying to me and that the information would not be removed and blocked and said that I would have to go through another pointless dispute process. I tried to explain to representative that I had already went through the dispute process multiple times and that this issue was still not corrected she did not seem to care nor understand and instead offered to initiate a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: U.S. BANCORP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have some concerns, USBank Wealth Management product offered, secured against my own cash, and using the elite product offered, after 1 month of use I suffered from a 95pt credit loss. Looks like the liquid assets line of credit, had posted. Its reported as other vs equity line or remarks for adding secured Is there anything the bank could do to work on how it reports?

1. Liquid assets presentation 2. The loan policy on the product 3. Signed liquid assets line of credit agreement 4. Benefits Brochure of the product there have been multiple clients, 2 clients also that have this locally.

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 2020-07-22
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
AAG paid HOA expedite fee of {$150.00}, just to save couple of days there is no reason to pay this fee since the loan process took 8 weeks and they needed to wait for other documents. 
Other than that. nothing in my signed application authorized AAG to pay unnecessary fees. 

I need them to reimburse me {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied with the Guitar Center XXXX credit card, issued by Synchrony bank, and received a denial, reference number XXXX, stating that information from the following Credit reporting agencies was used to determine this adverse action. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( I have never heard of this company and did NOT authorize them to compile or share my private data ) I was told to contact the above company with questions about the report, and to contact Synchrony Bank XXXX XXXX XXXX, XXXX FL XXXX with questions about this letter. They discriminated against me, based on arbitrary info provided by an unrelated, and unauthorized third party, denying me the opportunity to accept their offer of an extension of my credit, which THEY ( Synchrony Bank ) offered. In violation of 15 USC 1691 ( a ) 1 ( c ) i was denied for exercising my right to credit. According to the Truth In Lending Act, credit is the right granted by a creditor. I initiated this transaction with my credit card and because I received no benefit from the transaction, 15 USC 1602 L, P, F, and G are also at issue. As I am the creditor as defined in 15 usc 1602 ( g ) 2, ( The credit application being the initial evidence of indebtedness, as it included the payment and credit card information ) My extension of credit was obtained and accepted, but I received no benefit from the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2018-09-08
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an odd notification from my credit monitoring company stating that EOS CCA reported a collection. I'm upset because EOS CCA is reporting incorrect information on my credit report. Before they falsely reported on my credit report, I never received a letter or a phone call from them. I sent them a debt validation letter last month, but I never received a response. My credit report shows that this account has been open since XX/XX/2016, but I had no collections on my report prior to that date. Also, since reporting in collection, the collection amount has increased. On my credit report, EOS CCA is falsely reporting a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account : 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 explanation
Consumer complaint received 2018-09-08
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Below is a transcript of the messages I received, Hi this is XXXX from America debt I'm a debt collector ID number XXXX and this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach me at XXXX or you can chat with me online at America ______ paid com I a.m. in the office Monday through Friday from XXXX XXXX to XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX again I a.m. a debt collector with the mayor _____ at XXXX if I have the wrong number please feel free to give me a call and let me know thank you Ive been contacted on multiple occasions both recently and also about two years ago. I thought the incident back then was a mistake. This is somehow connected to a security breach at a former employer of mine, XXXX XXXX XXXX. Theyre attempting to collect on behalf of a clinic for a pre-employment drug screening and when I mention XXXX they always want to end th call and apologize.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation