BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To Whom it may Concern : XXXX XXXX # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documents and request for proof of claim, I have been unable to find any contracts for business between my person and XXXX XXXX. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account. I have make a request for any and ALL legal contracts obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between XXXX XXXX AND 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 2021-09-10
Company: U.S. BANCORP
State: WA
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 have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XX/XX/2021, I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees. 

According to https : //www.occ.treas.govXXXX Financial institutions may assess fees for paying ATM or one-time debit card transactions pursuant to an overdraft protection program if the following conditions are met : The institution provides the consumer with a written notice ( or electronic notice, if the consumer agrees ), segregated from all other information, describing the overdraft protection program ; The institution provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the program for ATM and one-time debit card transactions ; The consumer affirmatively consents, or opts in, to the payment of ATM and one-time debit card transactions ; 5 and The institution provides written confirmation ( or electronic confirmation, if the consumer agrees ) of the consumer 's consent and includes a statement informing the consumer of the right to revoke such consent. 

US Bank has not provided with a written or electronic notice describing the overdraft protection program. It did not provide a reasonable opportunity for me to affirmatively consent or opt-in to the program. I have never affirmatively consented to enroll in their program. 

Thus by forcing me to enroll in such overdraft protection program, I believe US Bank have failed to comply with Federal Trade Commission Act ( FTC Act ) standards.

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 2019-03-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX card closed my account with out my A knowledge didn't even get me a letter or not this is not right at all I have not three of my account closed I will wish that you have them stop this it is not right at all also I feel if you pay your bills on time that should not be able to watch your credit report and then feel that I the right to close your account or even Lower the amount of or Balance it is not right at all I hope someone can please help me and put a stop to it. Thanks u Ms. 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 2022-08-11
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:
I disputed an account due to fraud with Equifax and they claim that a thorough investigation was completed, however, they do not have any substantial proof of validation. The account still remains and is causing financial disparities in my life. Three representatives ( two supervisors ) confirmed that since they do not have substantial proof of validation that the account has to be removed under 15 USC 1681 e ( b ), but did not remove the account and told me that I need to submit a police report. I am aware that I do not need to submit a police report to have any accounts removed and am demanding that they are investigated for fraud and tampering with consumer files. The four calls made were on XX/XX/2022 and I was yelled at, interrupted and lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX cards, please go to the website. issued a XXXX XXXX XXXX XXXX XXXX to me XXXX XXXX XXXX but would not deliver it to me. Instead the card went to several other people- Identity Theft. XXXX and XXXX were asked by justice and law enforcement and by cfpb to personally deliver the card to me. They have not done so. The damages are enormous from the identity theft and from not being able to use the card myself. I can be found at The XXXX XXXX XXXX XXXX in lower XXXX just a few feet away from XXXX XXXX. 
CFPB try extremely hard to have XXXX personally deliver the card to me, XXXX XXXX XXXX. You know that it is breaking the rules far too much what credit card companies have done 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 2019-04-16
Company: SUNTRUST BANKS, INC.
State: VA
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:
Suntrust Bank is refusing to resolve a claim. 

1. Suntrust Bank accepted the dispute on XX/XX/XXXX. Document attached. 
2. They asked for more information and documents on XX/XX/XXXX. Document attached. 
3. I have submitted all the information and documents they have asked. 
4. They closed the claim on XX/XX/XXXX. Document attached. 

The reason Sunturst is giving while closing the case is very poor and irrelevant. They accepted the claim even after 60 days from the billing date and under review process instead of helping customer they are closing the case. It shows how poor is their customer service. 

I even talk to their supervisor/manager regarding the claim. They too are not interested in resolving instead they said i can close the account when i mentioned how other banks are always ready to help the customer. They are not willing to make any exception. I have given thousands of dollars of business every month. 

The dispute contains very high amount somebody like me. I would really appreciate if they can resolve this issue.

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 2020-05-05
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020 among few purchases on XXXX with my Discover XXXX card Ive ordered XXXX XXXX XXXX for the {$160.00} which was successfully delivered to my business address in New York , located at XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Unfortunately, during the inspection of the item right after arrival Ive discovered that it looks and performs way different from what was described, on top of that it didnt seem authentic XXXX XXXX product. Therefore, Ive requested a return and a refund within XXXX XXXX 30 Days return. XXXX authorized this return with XXXX XXXX XXXX associated with provided XXXX Return Shipping label XXXX ( SEE COPIES ATTACHED ). The tracking information associated with this label indicating that item was successfully returned back to XXXX facilities, located in XXXX, KY as of XX/XX/2020. Later Ive received an email from XXXX confirming the recipience of the item and that I should expect a refund being issued back to my account, however I didnt see it being posted back. 

Ive thoroughly reviewed documents, provided in merchants rebutting and would like to point your attention to the facts in these papers, such as. In each .pdf XXXX shows that the return tracking numbers are matching the return tracking numbers attached by me and shows successful return of packages FROM NEW YORK STATE ( where Im located ) TO KENTUCKY STATE ( where XXXX facilities are located ). In all of these pdfs you can see phrase return requested true altogether with a tracking description matching previously attached by me documents. Additionally, merchant attached copies of the original tracking information in the bottom of the rebutting documents, proving my address in New York and confirming the fact of the original deliveries, which Im not rebutting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Public record information inaccurate

Complaint:
one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both transunion and the XXXX credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter 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 explanation
Consumer complaint received 2021-05-05
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received yet another bill from this company after I have repeatedly asked for a signed contract which has NOT been provided. I received a bill from them on XX/XX/2021 and I sent a validation letter on XX/XX/2021 asking yet again for an actually signed contract. Being that they were not able to provide it this collection must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. 

Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management calls me at least 10 times a day for a charge-off on a XXXX XXXX XXXX   credit card account. These are the violations Ive noted so far : 1. Account was sent to charge-off after less than 120 days of late payments 2. Calls me at least 10 times a day including on a number which I did not authorize for them 3. Ive asked MCM for documentation to verify the debt and the amount and they have said the do not have the information 4. Supervisor from MCM was rude and harassing on recent phone call and told me I should have all the details on my end to verify the debt since it was your card I did complain that my card was stolen and I havent used the card in a long time. My understanding was that I had closed this account but surprised to now get calls from MCM. I am convinced that something very odd is happening between the way XXXX XXXX issues credit and how they close accounts into charge off process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with Shellpoint mortgage on or about XXXX XXXX After a devastating inheritance court matter challenging my inheritance, I experienced a hardship and my credit score was affected negatively - I now have new income and family members who are contributors, certainly sufficient income - in a letter dated XXXX XXXX XXXX, Shellpoint denied the modification - I had questions and contacted Shellpoint - I was told that my home had " a lot of equity, and could I not get a loan on the equity to take care of the arrearages? '' Following the inheritance matter, my excellent credit score was now very low - I am not able to get an equity line until my credit is higher - that is why I need assistance - In this same letter Shellpoint stated that the the payment- to- income ratio is out of the acceptable range - I have not been given any targeted numbers but just this vague statement - I now have a new modification with XXXX XXXX loans on another property with no arrearages and payments in the amount of {$1600.00} are current, This should now be reflected on the credit bureau raising my score also - My land is paid for. - my car is paid for - I have minimal bills. - I am in the process of beginning to clean up my credit and would like a new start - I appealed this decision and have not yet heard from Shellpoint - Meanwhile I was told by Shellpoint to re-file another modification application whic I have done. I understand that it is complete and " in review '' presently. - I hope that Shellpoint will consider my hardship, see that I have turned around things and not base another decision on my credit score - many items on the credit bureau I will dispute - they are residue of the inheritance matter and old debts ( beyond the 4 yr statute in Georgia ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: The Thomas Agency, Inc.
State: WV
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: Problem with personal statement of dispute

Complaint:
This Agency has reported multiple after multiple medical bills on my credit report. Ive contacted them with the information of the state health insurance that i had at the time informed them i also was a total permant service connected vet that i had that insurance as well.at the time. They told me they saw that i had insurance at the time and plenty of time before and after these medicql bills were charged. He refused to settle this matter because he said because the insurance could not be billed as of the current date being 2 years he said that now because the hospitals that billed me did not bill my insurances til it was to late to do so IM responsible for all these debts and this company keeps reporting this to credit beareu and thinks its ok and that i need to make payments in full and then maybe they would be removed i need help with these medical charges that were not my fault that they were billed to late to insurance companies that now IM responsible for these they have not bothered trying to do anything to correct these or even leave a statement of why these are still on my credit after 6 years of this i need help with this completley unreasonable company that refuses to take accountability for the mistakes in billing IM trying to buy a house with a VA home loan benefit and yhis company every chance it gets reports another {$110.00} here {$84.00} there and now i can not even deal with this person as they only want payment and they wont help with anything so after years of insurance covered health care ive had IM still repeadtly disputing these bills and getting no help with this and finding completley uncalled for negative comment on each bill reported

Company response to consumer: Untimely response
Consumer complaint received 2020-05-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 the mortgage company sold to a new company. I received a letter at the end of XXXX from the new company stating that payments for XXXX could not be recieved by them until XX/XX/XXXX and after. I made the payment on the phone on XX/XX/XXXX and it is credited on my account when I view my statement on the website. At the end of XXXX, I received the payment coupon for the XXXX payment. It stated I needed to pay {$450.00}. XXXX. I called the company after looking on line and seeing a totally different amount to pay. I did not receive a return call. I emailed the company on XX/XX/XXXX and received a letter in the mail on XX/XX/XXXX stating that the mortgage company received my inquiry and would get back to me. They have not and it is XX/XX/XXXX! I sent in the coupon they gave me with a check for XXXX which was cleared by my bank on XX/XX/XXXX. The check was sent before the due date. This amount is not shown as credited on my account as of today, XX/XX/XXXX. In fact I received the statement for the XXXX payment stating that i had made no payment in XXXX and now owe {$1200.00}. XXXX ( i assume their is also a late fee in there ). I emailed the company on XX/XX/XXXX. I emailed the company on XX/XX/XXXX and I called the company on XX/XX/XXXX with no answer and no replies back to me in any way about what the issue is with my statements and the website since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Ocwen Financial Corporation
State: VT
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: Problem with personal statement of dispute

Complaint:
In XXXX my husband and I set up a forbearance plan with PHH Mortgage company. they stated that they would not report during these months to the credit bureaus. Last week, both my husband and I received an alert from the credit agencies that our scores dropped 17 points due to PHH mortgage company reporting that our account with them was in forbearance. A remark in our minds is STILL reporting as it had a huge affect on our scores. They first added the remark, Affected by natural disaster, deleted it and added, account in forbearance. What course of action can we take to make them fix this! 

XXXX XXXX XXXX XXXX XXXX XXXX, VT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax, XXXX & XXXX were all unable to provide me with my free online credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NJ
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:
i was not told or updated of investigation results.

Company response to consumer: Closed with explanation