BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Due to XXXX XXXX XXXX strike, all work in the entertainment industry has been halted. I have been laid off & I can NOT afford the high monthly payment and exorbitant new XXXX of % XXXX that I'm now being charged. Amex will not allow me to apply for financial hardship program so that I can make monthly payments that are affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Ability Recovery Services, LLC
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 not received any information regarding possible debt, yet the company filed this on my credit report without any attempts at communication in writing, telephone, or any other correspondence.

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 2022-11-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington mortgage services sends certified mail on maybe losing the house. Late fees are non stop! We were on a forbearance and at first they were saying we owed all of it up front

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2017-12-23
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Six {$100.00} gift cards to XXXX XXXX XXXX were purchased in 3 separate {$200.00} transactions fraudulently using our PayPal account. PayPal sent me a text On Monday XXXX XXXX we received a text message from PayPal indicating there was suspicious use of our PayPal account that day for a XXXX XXXX XXXX gift card for {$200.00} - they asked us to respond if this was an authorized transaction and asked for a reply. We replied No right away and PayPal replied back in a text that they would open a fraud case and follow up with us. On a follow up emai, they indicated in an email that they reviewed the claim and were denying it. The dispute case is XXXX, PayPal did not inform us of an additional 2 transactions with XXXX XXXX XXXX for {$200.00} each or we would have indicated those were unauthorized also. We also contracted XXXX XXXX XXXX on XXXX XXXX and they inundated they would attempt to close down the specific gift cards and we should be able to identify the PayPal transaction we think through our email address but ate not sure if that is occurring. XXXX XXXX XXXX INDUCATED THEY WERE HAVING MANY ISSUES WITH GIFT CARDS PURCHASED FRAUDULENTLY WITH PAYPAL ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX  XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due

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 2018-02-27
Company: JPMORGAN CHASE & CO.
State: IN
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:
While travelling to XXXX on business. Me and a coworker went out on our last night to see some of XXXX. XX/XX/XXXX. The last place we went late night was a XXXX bar called the " XXXX XXXX XXXX ''. We were there between 1 and 1-1/2 hours. I bought drinks for myself and 3 others  because I had the only card which was working in XXXX. We were running late and in a hurry when I asked for my bill. I asked her to just tell me in US dollars please. She told me around {$180.00} dollars. She ran my card and told me it declined. I gave her another card which is my person small business card. She then gave it back but said that actually my original card went through after all. It was loud and dark and somewhat confusing but we ran out of there to catch the train to our train. I didn't think of it until my card showed a charge of {$2200.00} when it posted XX/XX/XXXX. I tried to have a XXXX counterpart contact this establishment. They could not. I can not find it online. It was obviously a scam I fell into, I contacted Chase and talked to many people. They say its too late because it already processed. They say because I handed them my card and authorized a charge and should have had time to review it, that I authorized it. 
Although there are some fuzzy details, There are some that are not. I did not authorize that charge or anything near that charge. I did not ask for any goods or services which would have been such a charge. I was making a conscious decision to drink at a level that would not hinder my ability to remain safe in a foreign country. I only purchased normal alcohol consumption for 4 persons. At the time I believed the {$180.00} was excessive but let it slide in light of having a good time in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: MS
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:
Twice in XX/XX/2021 XXXX on XX/XX/XXXX AND XX/XX/XXXX ), Equifax reported my XXXX XXXX with XXXX XXXX as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted XXXX XXXX on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on Equifax end. When I called Equifax to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need Equifax to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The tradeline, which appears on my credit report from I.C. SYSTEM, INC/XXXX XXXX last reported XX/XX/XXXX in the amount of {$160.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both I.C. SYSTEM, INC/XXXX XXXX individually and have not received any reply back

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, the annual fee of my Amex XXXX card posted. On XX/XX/XXXX, I was trying to cancel it, but the webpage and mobile chat were both down, so I could not, and I assumed the phone department would not work because of that. I waited a day to contact Amex to cancel the card. On XX/XX/XXXX, I was told even if I closed the card, they wouldn't refund the annual fee because I was 1 day too late, and it's my fault that I did not contact them a day earlier although their chat was down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Wed, XX/XX/XXXX at XXXX XXXX  FINAL DEBT INFORMATION. 

LAWSUIT COURT NOTICE_PAY_DAY_LOAN DUE AMOUNT CASE FILE TRANSFER TODAY FDCP ACT-811 ( 15 USC1692I ) Lawsuit Cost - {$2400.00} ( Including Attorney Fee/Court Fee/All Taxes ) Creditor Name : Ace Cash Services. 

Total Due Balance : {$890.00} SETTLEMENT {$320.00} TODAY XXXX XXXX Ace XXXX & Legal Department XXXX XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Information belongs to someone else

Complaint:
I had made several attempts to write to XXXX, Equifax, XXXX  also XXXX  XXXX XXXX. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

XXXX  XXXX XXXX Account # XXXX Bal {$5300.00} XXXX XXXX  BAL {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: In progress
Consumer complaint received 2019-08-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We owned a property in 2011 and sold the property in 2011. Almost three years later we did a home modification loan with Wells Fargo home mortgage. During the time of the modification they somehow, without our knowledge, put a lien on the property that we no longer owned. Now the owners are selling the property and cannot do so because there is a lien from Wells Fargo home mortgage when they did that modification. When contacted, they responded to the attorneys and told the attorneys to sue us directly. We are now having to respond to a lawsuit and also Wells Fargo is going to be included in the suit. I am going to the Media soon. We would like to prevent this from happening. I have all documentation and my attorney has all documentation. Wells Fargo sold the loan to XXXX and then XXXX, when contacted about the issue at hand, sold the loan to a XXXX XXXX Company, so it appears as though there's some type of fraud going on here and they will not speak to us and we are the owners of the property and we are paying the mortgage payments and they will not discuss anything with us. They have refused to speak to us time and time again and then their attorney responded by XXXX  to our address, telling the person who now owns the property, and by the way is a very good friend of ours, to sue us. We did not have any knowledge that there were any type of liens on any properties other than the one we reside on and they modified, however they put a lien on that property as well as several properties we no longer own and one we still own and they will not remove the liens. They are telling them to sue us and taking no responsibility for their illegal act so now it may go to the media as well as to the courthouse. I am located in XXXX XXXX Florida XXXX as well as the property we sold

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 2022-04-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been sued for two private student loans in XXXX XXXX XXXX Florida. These loans are past the statute of limitations in Florida as they are more than six years past the first payment due date in the notes. 

I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these actions to have happened at all without response to or contacting my legal representation. 

Additionally the companies have tried to present this as credit card debt and not promissory notes, fraudulently misleading the court. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case 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 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and transunion twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify 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 2023-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
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 started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( Finance ).

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 2022-04-27
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation