BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-01-29
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The usbankreliacard that my unemployment benefits are deposited to is constantly locking the account for random reasons. It declines automatically if the transaction is processed as a credit transaction and will lock your account after three declines. It will also randomly lock when you try to transfer the money to another account.

When this happens, it is almost impossible to reach a human in the customer service line. I have waited four hours before only to be hung up on. And when you can reach s person, they tell you theres nothing they can do, to submit your id to some department and it will take a few days to be unlocked. This is unacceptable when unemployment is the only money some of us are receiving currently. 
This nonsense now has me getting evicted because my landlord doesnt believe that my account has been locked this long.

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 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We have been going back and forth over this for over a year. Once again, Amex refuses to provide me with the most basic information : What interest have I been charged on the 2x unauthorized charges? 
Has the interest been refunded on the 1 charge you have refunded? 
Since the 2 charges are both part of the same fraud and forged signature how can you refund one of the charges and not the other identical amount which is clearly related? 

I have finally found the company who handles arbitration for such matters and have them ready to proceed. I will also be pursuing for costs and inconvenience in addition to the refund if this is not sorted before that point. I have a very strong trail of communication over the last year of Amex withholding info and giving factually incorrect information. Please let 's not add this to the request too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, my husband was commenting adultery and we are getting divorced, someone told me about freedom debt relief so I looked into it because my payments were large and now I am a single mother of two with a mortgage, student loans and a car payment. I had some of my cards for 14 years and have never missed a payment ever but I had no choice other then to see what this program could do! So they told me to stop making payments on my cards and that they would guarantee to settle my debt to lower amounts and save me money in the long wrong. So I started putting away {$390.00} every two weeks to them for a total of $ XXXX/month which was very hard but I knew it was only going to be for 5 years and then it would be over if not sooner based on their promises. Then a few months later they tell me to start putting away {$410.00} every two weeks for a total of $ XXXX/month so again I cried but had to do it. As of XX/XX/XXXX I have deposited a total of {$8500.00}. I got hit with three lawsuits right in a row and two of which they settled. My XXXX XXXX card for example they only got a debt reduction of {$2200.00} but then charged me a settlement fee of {$2300.00} ( which I get they are a business but they told me the fee is not paid until everything is paid and settled ) Then my XXXX  XXXX card was settled ( without my consent ) and they were able to have a debt reduction of {$3300.00} but then again charged me with {$2000.00} in a settlement fee. Yesterday I get a call from a lawyer that says I was hit with a lawsuit from XXXX and that I dont have enough money in my dedicated account and that I will need to put more money in- {$180.00} more every month and I then was very confused, I said well I have only paid around {$3000.00} out to companies, there should be a lot of money in my account to offer a settlement and she said no, there is only {$430.00} in my account. I then got very upset and called FDR. They are not willing to work with me in anyway and lied about their fee 's. There is no way they should have taken almost {$5000.00} in fee 's when I am still in the program for another 4 years. Just with those two cards alone, they are costing me more money then if I would have just contacted the companies and worked one on one with them! I asked if I could have my money back and get out of the program and just call my companies and they said I could leave any time but I would lose all of the money I have put into the program. I am very upset and worried and this is going to cost me so much more money in the long run! Its only been not even a year and I have already paid them so much money that I wasnt aware of and I have increased my deposits three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Commenity bank 's website went down sometime in the last two weeks of XX/XX/2022. I was unable to login and retreive account information. About a week later, that issue was resolved and I was able to view most of my account information online. On XX/XX/2022, my first transaction was declined. I figured it was due to their ongoing site/conversion issues and did not use my card for a few days. I have tried to use my card several times up to today 's date - XX/XX/2022 and the card continues to be declined. I do not have a balance on my account and have a credit limit of almost {$18000.00}. I have tried to call in to the customer support number but each time, I get a message that tells me customer support is closed. My calls are during normal business hours. I have tried to call mid-morning and mid-afternoon but get the same message each time. Additionally, I am unable to redeem rewards during this outage. This disruption of business has lasted longer than three weeks with no word from the bank on when it will all be corrected. I have also submitted a message to the bank about the matter via their online messaging system but have not yet received a response.I have several XXXX of dollars in cash back credits that I'd like to use but am unable to do so if I can not use the card to make purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent.

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXXXXXX XXXX XXXX  Date : XXXX 2022 Amount : {$990.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report. 


Fraud Account Remove Immediately. 
Company Name : XXXX  Date : XXXX 2022 Amount : {$0.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The beginning of this year started off bad for my family and I. I called M & T Bank looking for some type of assistance, which I feel that I was not successful in receiving and was lied to which resulted in additional months going by. M & T Bank will not accept any funds from me unless it is the full 8 months past due. I was told to apply for a loan modification even thought I told the representatives that I had received a modification within the last 24 months and I don't qualify for another one. I was told I would be fine and there are other options to help me catch up forbearance, repayment plan, etc all of which I was denied. When I first started asking for assistance i was around 5-6 months delinquent now I am 8 months delinquent. I have 6 of the 8 payments that are past due, but M & T is refusing to accept and payments or work with me at all. I had a representative by the name of XXXX or XXXX both verbally tell me and notate my account that I can make the 6 payments and when I called back to do that I was denied. I don't know why there is so much misinformation and incomplete answers from this company.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-07-24
Company: EQUIFAX, INC.
State: PA
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:
I have disputed this account that is not mine several times. Equifax keeps stating they verified through XXXX which is incorrect I have my report from XXXX and this is not on there I even have letter from XXXX XXXX  stating they sent correspondence to equifax to remove said item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: AZ
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB : I am contacting you in an attempt to have expeditious results regarding the escrow analysis that I received in the mail on yesterday with a payment due on XXXX XXXX. I contacted the Senior VP/General Counsel ( XXXX XXXX ) via email and asked that Please correct this matter within five business days of this communication. I also talked with XXXX XXXX of the Specialty Division of Shellpoint Mortgage at XXXX. 



In XXXX, I secured a construction loan from XXXX XXXX XXXX   who later transferred to XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, XXXX transferred to ShellPoint Mortgage Services. Since that time, I have experienced repeated errors in the accounting and billing which have caused much grief and anxiety. 



Last Spring, I sent a mortgage payment in with three advance payments earmarked for three future mortgage payments. The mortgage was applied to my principal. Surprisingly, I received a default letter for the next month. It took over a month and six phone calls to different representatives and four emails to various departments to have it corrected. Even after it was corrected, another error occurred which led to more phone calls and inconveniences. 



On last night, I came home to read my escrow analysis. The XX/XX/XXXX amount due is {$6300.00}. I am showing a current escrow balance of - {$24.00}, XXXX. This can not be correct. My yearly taxes and insurance don't exceed {$2500.00} a year. In addition, XXXX XXXX sent a copy of the homeowners insurance twice to Shellpoint when requested. 

I am being told that my taxes were delinquent form XX/XX/XXXX-XX/XX/XXXX.  However, the County Tax Portal shows that the taxes were paid. I have never been delinquent on taxes. 


Also, the cushion of {$4.00}, XXXX ( 1/6 ) is unconscionable. My original lender has a 1/12 cushion clause. Therefore, the terms of my loan can not change due to transfer. This cushion was not contracted for and is NOT reasonable. How many average working persons can afford to pay an extra {$4900.00} with less than a months notice. 

In closing, I am requesting that this matter be corrected within five business days of this correspondence to you. I should only be responsible for the {$790.00} contracted in the original loan and the {$160.00} escrow and possibly a cushion on 1/12 not 1/6 per my  original loan. 



Regards, GP

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Global Lending Services LLC
State: NY
Product: Credit reporting 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:
Ive tried calling and reaching out to the companys either no one answers or the XXXX is busy or the number is not in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Selene Finance LP
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Over the last several years we have had difficulties with Selene Finance mortgage company. It started several years ago when we missed a few payment due to unforseen, mainly some huge medical bills and other circumstances. At that time we tried to work things out with them to modify the loan. They told us in order to modify we had to be six months behind in payments. They advised us to not pay for six months and then we would be able to modify/refinance and pick up with payments at that time. We stupidly believed them, used our income to pay huge medical bills and waited to modify with them. Instead, they began the foreclosure process on our home. We ended up having to file bankruptcy due to this and due to an XXXX XXXX XXXX XXXX error on tax returns that had us owing thousands back. Then, over the course of the next five years, Selene would continue to tell us that we were behind in our mortgage when we knew we were not. Selene has admitted on several occasions that they " lost '' or " forgot to apply '' several payments that we had made to them. We pulled all our bank records several times for evidence and when we proved we had made the payments, they suddenly " found '' them and were " not sure why they were not applied ''. This happened again in the past month. The sent a bill stating there was an overdue amount. We asked them to send us a record of payments and it was clear from the record that they had received all payments. After they looked they discovered they had not been applied. This has happened several times, has effected our credit, has effected our bankruptcy case and has causes an extraordinary amount of stress in an already stressed out home with a child with a severe XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After several contacts with Comenity to pay off card, several agents confirmed removal of fees and claimed to set up payment plan to pay off card by XXXX. Balance was never adjusted, fees were never removed, and balance is still several hundreds dollars after completing payment plan. I have also been charged additional fees since last payment that was supposed to pay off card. Last payment was said to be approx {$40.00}. I set up auto payment for this and was charged approx {$60.00}. Recieved a call this morning stating that I had a remaining balance of approx {$200.00}, agent claimed to remove {$190.00} of fees that was previously promised but that I still have approx {$50.00} left. I was transferred to escalation and was told they would review calls. I dont believe them, they are professional liars that take advantage of struggling customers and mislead them in a way that causes more late fees to be accumulated and lowering of credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

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 2023-03-27
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Team, I bought a {$100.00} Apple gift card at XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at XXXX. When we tried to redeem the gift card at the Apple store on XX/XX/2023, we found the gift card was already whited out. The Apple store representative told us that the card has a {$0.00} balance and it was already redeemed on XX/XX/2023. The Apple store asked us to contact the XXXX store for a refund. But the XXXX store is asking us to contact Apple for a refund. After repeated attempts, we decided to file a complaint and reported the incident to the local law enforcement agency and to the Federal Trade commission. Apple team shared the email id to share the complaints. But the XXXX team handled the case unprofessionally. My calls to XXXX support contact number XXXX XXXX XXXX was disconnected intentionally thrice on XX/XX/2023 during XXXXXXXX XXXX PST to XXXX PST. The support team was not ready to share the support email id to share the complaints. 

I am expecting refund of {$100.00} from Apple or XXXX. I received an email from Apple that the refund needs to be claimed from the retailer ( i.e, XXXX ). I also received an email from XXXX that the refund needs to be claimed from Apple. 

XXXX case number XXXXXXXX XXXX  guest relations contact number XXXX XXXX XXXX GiftCard support team on this contact : XXXX ( XXXX, CT ) This scam has been reported online on XX/XX/2023 but why has no action been taken by XXXX  to remove the Apple gift cards from their storesXXXX XXXX XXXX? XXXX

Company response to consumer: Closed with explanation