BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: AMERICAN EXPRESS COMPANY
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:
I have American Express XXXX XXXX XXXX card which has some issues. My XXXX is not working for past 4 months. When I try to reset the password, it ask for this American express card details. Card details are never considered correct by XXXX. For last 4 months - I have completely wasted 10+ hours with XXXX  XXXX It seems American express sent me a replacement card and XXXX is stuck with the old American express card which American express can not send it to me. 

While this XXXX  XXXX  is stuck - XXXX  started charging me some XXXX XXXX subscription of monthly charge {$5.00}. Any time i reach out to apple- they simply stated that i need XXXX  XXXX  ... for which i need right American express card which American express is not helping by providing the old card. 

So i am into a endless circle with XXXX and American express. 
In the meanwhile apple started charging me XXXX XXXX  charges for which i opened the dispute with American express also. I asked American express to block XXXX for ever ... when they read the terms and conditions for that - it seems customers can not do that and those terms and conditions are very much in the favor of merchant. 

I asked American express to send me the terms and conditions but they stated they won't. Please refer phone call from me to American express on XXXX XX/XX/2021 at XXXX XXXX  with XXXX having ID XXXX Complains with FCC.gov and California attorney general 's office is already opened multiple times about this ongoing issue which is going on for more than 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a no prepayment penalty mortgage. I closed XX/XX/XXXX. I have been paying extra monies every month to pay down the principal faster. In XXXX of XXXX I receive a notice that any extra monies I send in would be held until I paid enough monies to make a full payment. I telephoned immediately and explained that I did NOT want my money held to make a full payment ; I wanted my extra monies paid to be applied directly to the principal has they have been done since XXXX. In XXXX my extra monies were applied to the principal. 
When I went to pay my XXXX payment I noticed that the mortgage co did NOT apply my extra monies to the principal. I again telephoned customer service and was told that they would fix the issue and apply my extra monies paid in XX/XX/XXXX to the principal and they would apply the extra monies paid in XX/XX/XXXX to the principal. I called a third time 4 days later to be told that there was a delay in posting the extra monies but they would be applied properly. I just checked my mortgage account and the extra monies paid were NOT applied to my principal but used to make my XX/XX/XXXX payment!!! I have been charged interest on monies I have paid in advance!!! My mortgage co has illegally held my monies, charged me interest because my monies were NOT properly applied and lied to me!

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 2019-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Portfolio Recovery Associates the week of XX/XX/17 to pay a XXXX XXXX credit card that had been charged off. The representative I spoke with gave me only three options : 1 ) Make one payment to pay balance 2 ) Split amount over 3 monthly 3 ) Split amount over 6 monthly payments. I asked the representative if I paid the full amount, would the account be removed from my credit. I was told that it could take the credit bureaus up to 30 days, but that the account would be deleted once it was paid. I gave him my payment information, which cleared my bank a couple days later. 

Today I received an alert from XXXX  that this account is being reported as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. This was not what I was told on the phone, nor did I agree to this. I was under the impression that I was paying off the account, and was specifically told by the associate at Portfolio Recovery that " once the credit bureau updated '' it would be removed. 

I tried contacting them again to inquire about this, and spoke with XXXX XXXX, Operations Manager, who again lied to me and said that I was originally informed they would be reporting it as a settlement. I know for a fact that I was not told this information because I would have paid whatever the full amount they claimed I owed rather than have the account report as " repayed only part of the original debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account listed below is fraudulent and was created without my consent I would like it removed from my credit report at once. I am a victim of identity theft and have several police reports to verify this. I have tried contacting this company many times in this matter. This account does n't belong to me please remove it at once because it 's not mine and was fraudulently opened. 
XX/XX/2018 Collection Agency ABILITY RECOVERY SERVICES , LLC Balance {$1400.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Over the few months I have been getting letters from PayPal about them sending me a MasterCard/debit card linked to my account. 
The letter requires me to go to their site and tell them I do not want the card. 
I do not not feel I should be required to continually opt out of an unsolicited credit card. 
What if the letter gets lost in the mail, and next thing you know I have a card I don't want? 
I've looked online and this seems to be common, where people suddenly get a card in the mail they didn't know anything about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SyncB/XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-06-27
Company: EQUIFAX, INC.
State: CA
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:
On several occasions I have asked Equifax Information Services LLC. ( EQ ) to investigate the accuracy of the information in my credit file, to wit account XXXX XXXX ( PL ) XXXX. EQ response to me is the same. On XX/XX/2019 and again on XX/XX/2019 ( via certified mail XXXX ) I sent EQ a SECOND REQUEST to have EQ remove the inaccurate information from being reported on my credit file within EQ database. 
On XX/XX/2019 EQ sent me a reply of We are currently processing your previously submitted dispute for this account ( s ) ; we will not be conducting further investigation into this particular account ( s ) at this time. ( Ref : XXXX  ) I am not asking EQ to process and or to conduct further investigation the  inaccurate information on my credit file. I am asking EQ to Remove the inaccurate information from my credit file that is being reported. 
I have already investigated the inaccurate information with XXXX XXXX and requested XXXX XXXX to remove the inaccurate information from my credit file, and to date, I have not received a response from XXXX XXXX. All of my communications with EQ and XXXX XXXX are documented via Certified Mail Receipt ; I have proof the information being reported is not accurate and I presented the evidence to XXXX XXXX and EQ that the information is not accurate ; and to remove the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Santander Consumer USA Holdings Inc.
State: NY
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 have included information on accounts that are are reporting and not mine. 
1. CREDITOR : SANTANDER ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$30000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX 2. CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$20000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: AR
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, Experian, and XXXX  ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But XXXX  and Experian did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but Experian and XXXX  Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit Reporting

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 2020-08-19
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The company is XXXX XXXX until XX/XX/XXXX they then sold the loan to Fay Servicing and XXXX XXXX and Fay Servicing and XXXX XXXX Foreclosed on XX/XX/XXXX. 
Re : property address : XXXX XXXX XXXX XXXX XXXX, CA XXXX On XXXX lenders tin XXXX account XXXX From XX/XX/XXXX through XX/XX/XXXX I was denied the opportunity to short sale this house. After the relators were approved by the lender for short sale, I was denied three times with three different relators all of whom were approved by XXXX XXXX and later by Fay Servicing and on all three occasions denied. 
Therefore forcing my into foreclosure on XX/XX/XXXX. I did not receive the 1099-A until after XX/XX/XXXX ( as the envelope was post marked XX/XX/XXXX, which I saved ). 
The 1099-A balance on principle XXXX, and the fair market value XXXX. 
The house was then sold in the summer of of XXXX for about the same amount as the market value. 
I did not receive any of the proceeds from the sale. 
I want a qualified written review. I do not understand why I did not receive any proceeds from the sale. 
I want to know why the lender forced me to keep this loan in my name for a year while refusing to either loan mod, keys in deed of lieu, or short sale. They threaten to foreclose and take the home but then they kept waiting and postponing the foreclosure date until it was financially coinvent for the lender to profit at the bowwers demise!! 

This is an EGREGIOUS ABUSE OF POWER. 

And because I did not receive the 1099-A until over a year later it caused problems for me in filling my XXXX income tax. 

I have made several attempts to resolve these issues both written and telephone to Fay Servicing, XXXX XXXX and XXXX XXXX and have not received any response. And in most cases I am put on extended hold for 10-20 or more minutes and no one comes to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: CL Holdings LLC
State: AZ
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 filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
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: Account information incorrect

Complaint:
I filed a dispute with the credit bureau in regards to the account status and history as the bureau reports the account late and past due the bureau said they investigated and the information is correct refusing to revisit the item ... .the credit bureau is incorrect I have attached a letter from the creditor which confirms the account is in fact current Account Name XXXX XXXX XXXX Account number XXXX Please see attached proof and update file accordingly

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 2020-02-08
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:
EXPERIAN, XXXX AND EXPERIAN HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX    XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/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