BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX give authorization for Equifax to move forward with this complaint. This complaint is being submitted by myself XXXX XXXX and no third party is involved. I sent a letter with FTC report and accounts resulting from identity theft to Equifax on XX/XX/2021, the letter was received XX/XX/XXXX. I provided identity theft report and written instruction and request to remove and block information according to federal law with evidence, The law states that consumer reporting agencies have up to 4 Business days to block information resulting from Identity theft. It is now XX/XX/2021 and Equifax has started dispute but has not removed accounts from report and are now in violation and now hold criminal liability for willing and knowingly giving inaccurate information and not complying with the law. Attached will be letter with receipt so you can check the received date as well as the Law. Page 10 is evidence of US code that Equifax is violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was taken over by Flagstar Bank in XX/XX/2019. They sent a letter that they needed my insurance information or they would purchase homeowner 's insurance on my behalf. I uploaded a copy of my insurance information numerous times and yet they kept saying they didn't have it despite paying my premium on XX/XX/19 in the amount of {$300.00}. I continued to call and was told they didn't have the insurance information even though they'd paid the premium and I sent more copies of my insurance. I was then told in XX/XX/2019 that they did have my homeowner 's insurance but they needed my XXXX   insurance, which I provided numerous times on their website as instructed. Still I'd call weekly and they said they didn't have it, I gave them the name of my XXXX  and the insurance carrier on 2 different episodes, was put on hold while they called them, told me they did speak to someone at the XXXX and insurance carrier and that proof was being faxed and my account would be reimbursed the {$290.00} they'd charged for insurance I did NOT need. I continue to call and am told they don't have it and they'll call me when they get it, but they do not. Today, I spoke to a " supervisor '' XXXX and was told they received it on XX/XX/19 and it " usually '' takes 3-6 business days to " process '' it and refund my account. Today is the 6th business day and still I have not had my account reimbursed for the {$290.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2019-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know about this debt and XXXX  and XXXX  remove it from my account for the same reason.

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 2021-11-30
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I ordered an item from XXXX XXXX online store on XX/XX/2021, when I placed the order it appeared the item should delivery on XX/XX/XXXX. On XX/XX/XXXX, I got an email about shipping information from XXXX XXXX. At the same day I was charged the item 's amount {$43.00} to my chase credit card. And then this amount was changed to " the last statement '', I could not did dispute by myself through Chase online bank. From that time to now, XX/XX/XXXX, I did not receive the item, the delivery dates were changed 3 times by XXXX XXXX, and I used the tracking no to check the shipping status, the item never shipped out! I tried to contact XXXX XXXX for cancel this order, but XXXX XXXX refused my request. Then I had to contact Chase to dispute this amount through Chase online bank 's secure message about XX/XX/XXXX, in this message I told them what happened and attached the screenshot of XXXX tracking information ( XXXX did not pick up the item ), they reply to me that I need wait one week for update. After one week, yesterday, I sent secure message to ask for this case 's update, today they reply me that they asked for me to call the disputed department 's phone no.! I got a bad experience from Chase credit card customer service! If they need I to call the dispute No., why they could not tell me when I contacted them first time. why they told me to wait for one week?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2019, someone accessed my Bank of America checking account using a built in app called XXXX. I was not even aware of this function of my mobile app at the time. When this happened I was on a cruise in the XXXX XXXX XXXX when someone, I have no idea who or how, removed {$5000.00} from my account in approx 4-5 transactions using this XXXX app connected to my Bank of America app. I went in to the bank and filled out all the paperwork for the investigation only to be told after about 15 - 20 days they could do nothing about it. This money was never returned to me. I have since closed this account for obvious reasons.

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 2018-06-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I sent a letter to Equifax requesting a PIN so I could have the Security Freeze on my account lifted. Per their instruction I included copies of my Birth Certificate and Driver 's License. 
I was to receive the PIN in 7 - 10 business days. This did not occur, and I have had no reply from the company. 
Today, XX/XX/2018, I am sending them another letter. 
Until I get the Freeze lifted I am unable to open a new credit account with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Dear Sir / Madame, I have had the most horrible experience with Paypal in the past months.I opened an account recently to make a funding to a forex broker thinking this would be a more efficient method than making a wire.I opened and set my account to EUR  as primary currency. I linked my debit card and proceeded to make the transaction on XX/XX/XXXX, XXXX 

All went smoothly without a hitch. I did not see anything out of the ordinary until I got my bank statement. To my horror the transaction to my debit card / bank was in CHF which triggered a conversion with my bank that cost me 4 %. Then that CHF was itself converted by Paypal to EUR to make the payment of XXXX EUR to the broker which itselfcost me another XXXX EUR  ( close to 5 % of the total ) .I asked why I was not warned or prompted in any way. I got multiple responses with a number of blatant lies. 

Some of the lies were " your bank reported your card as a CHF  card '', or ( even worse ) " you set it to CHF ''. I checked with my bank and they denied they had anything to do with this nor that they were asked for any info, and I know I certainly can not specify the card currency as I double checked by adding a new card and there was no way to specify currency. When I confronted paypal staff with this they then admitted Paypal set this to CHF  just because I live in XXXX. Now that is fine but the problem is Paypal does not notify me when they did that nor was their any warning when initiating or completing the transaction that was invoiced in EUR. There was no warning about conversion rate or cost or anything of the sort.Essentially I wound up with close to XXXX EUR cost in just this one transaction just because Paypal does not bother to warn of this.Even worse now I'm being told that I have to withdraw the EUR in my account ( which was returned by the broker ) as CHF - essentially triggering another 10 % cost of withdrawal.The absurdity of this situation bears no mention and I won't stand for it.I am asking for some sort of abatement / adjustment as none of this was my fault yet I wound up paying for this.I also need some sort of solution for returning my money to my bank in kind. I hold a EUR account and not CHF. And I will not accept another 10 % being taken from my money.I await your response on these 2 matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage on a home with Shellpoint Mortgage Servicing that was placed in COVID forbearance XX/XX/XXXX. The forbearance term was extended XX/XX/XXXX. Since the extension, I have been charged 4 late fees. Under my forbearance agreement, no late fees are to be assessed. Shellpoint Mortgage Servicing is refusing to refund the late fees and not agreeing to extend my forbearance even though I have brought payments up to just 2 months behind. I wish to have late fees refunded and forbearance extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
DuringthepurchaseofticketsonFrontierAirlines,IsawabanneradforXXXXmilesanda{$100.00}statementcredit,followedbytheinstructionstoApplyatPurchase.Basedonpreviousexperiencewithbrandedcreditcardsaswellasthephrase"ApplyatPurchase'',IthoughtIwouldbeabletoapplyforthiscardattheandplacemypurchaseonitduringthisXXXXtransaction.WhenIgottothepaymentscreen,therewasnooptiontoapply,asshownintheattachedphotos.Placingthecursoroverthe"ApplyatPurchase''buttoncausedthemousetoturntoani-bar(notaclickablebutton).

WhenIcalledcustomerservicetoinquire,IwastoldthatIhadtouseadifferentcardformypurchaseandthatIcouldapplyforthecardbuttheapprovalprocesswouldtake7-10daysandIwouldneedthephysicalcardtomakeatransaction.Withsomethingtimesensitivelikeairlinetickets,thisisbothunusualandinconvenient(andsurprisingly,nottoFrontier'sfinancialbenefit).However,mymainconcernisthatthisoffereddeal(a{$100.00}statementcreditandXXXXmiles)isnotavailablewhenacustomerappliesforthecreditcardinanyotherpartofFrontier'swebsite.Instead,itisanofferofXXXXmilesandnostatementcredit,receivableafterspending{$500.00}onthecardandpayingtheannualfee.Insum,thepromotionaloffershownonthewebsiteisnotactuallyavailabletoconsumers.

WhenIcontactedFrontier,theyrepeatedlytoldmethatyoucanapplyforthisdealduringthepurchaseprocess.IwasunabletodosoonXXXXdifferentdevicesusingmultiplebrowsers.Thebuttonissimplynotthereontheuserend.

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 2017-12-08
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mortgage company will not take my payments stating payments were being made, I requested they take my normal payments as the payments were not made by me. The payments credited to my account pushed my payments to XX/XX/XXXX. As to date they still have not taken my payments, I have called and written several times, every month since the beginning of my loan in XX/XX/XXXX of this year. 

My credit report states differently and it now states I am over 60 days past due. I have not been able to make the company take my payments although they confirm my payment information and method. 

I have not been able to find an attorney to help me as I am deaf, they refuse to assist telling me to get an interpreter but that is before providing me a date or time to discuss the matter with them. ( I can only be contacted via email or text to my phone but I can make outgoing calls. ) I have 2 of the 4 due payments and requested the mortgage company to extend me 2 months to bring my account to date. 

Documentation can be provided.

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 2018-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX is chasing me for a debt I have no idea about. They first made contact in 2015 calling a cell phone they didn't have permission to call. I advised the lady at the time to remove this number from there system as it was against the law for them to call me like this she responded " What do you not pay bills you rack up? We are also not going to stop calling you. '' And called 3 more times later. Fast forward to 3 months ago. I have a different number only 3 months old. They start calling again I advise the lady it is a cell phone. I don't not have any type of business with please place me on your do not call list. She says ok and hangs up. About a month ago I get two calls in one day. Both lady 's tell me because it a vaild number it will not removed from there systems I hang up. Last night I receive another one but, missed it so I call back I tell the lady on the phone again that this is a cell phone number and to please remove my number from your system she asked what my name is I tell her I'm not verifying anything stop calling this number as I have now request 4 times now. That I would be in contact with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/19 I called after realizing sallie mae had disabled my online acccount where I could see my billing statement, this was after about 200 harassing phone calls about how I was past due and needed to pay. I was pretty sure I was current and wanted to see my statement and how could I see my statement when they disabled my account? When calling to ask for statements to be mailed to me showing where the past due balance was coming from they representative refused to mail me statements and refused to give me access to my online account. It is now XX/XX/19 and I still have not received any statements in the mail nor have I received access to log in online but I did just receive a threatening phone call of basically pay or else. Isn't it illegal to refuse me my statements? I mean we all know sallie mae is bad but this is something else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
SOMEONE OBTAINED AN AUTOMOBILE IN MY NAME FROM SANTANDER CONSUMER USA FRAUDULENTLY, AND THE INVESTIGATION HAS BEEN GOING ON FOR OVER 60 DAYS. I HAVE PROVIDED THEM WITH A POLICE REPORT, ID THEFT REPORT AND IDENTITY THEFT AFFIDAVIT, AND THEY ARE SAYING I HAVE TO WAIT ANOTHER 30-45 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection agency account on my credit that I have no knowledge of. During the times that this debt was created I was incarcerated. Also the city and state are both located in XXXX Florida where I never had a residence. I have contacted them several times and provided all documents, yet this debt is still on my credit. Its show two times on my credit for the same amount, but 2 different collection agencies. 

XXXX XXXX XXXX {$1000.00} - XX/XX/XXXX Unpaid COMMENTS MEDICAL, XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SE {$1000.00} - XX/XX/XXXX Unpaid COMMENTS COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation