BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: MD
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 submitted a investigation request to Equifax on a delinquent account on my credit file, they responded back that they verified and that the account is correct ; I do not own the money the doctors office got paid by my insurance ; Equifax is not throughly investigating if anything they are calling the collection office but arent requiring any proof : the collection office doesnt communicate with the doctors office and vise verse ; now Equifax is just agreeing with the collection agency without properly requesting proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems pulled up some XXXXXXXX  account from Florida. I don't live in florida and never have. I have no idea who they are talking about and there is no way they can verify this as accurate. I will sue all that is involved for messing up my credit score so I can't close on my house.

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 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
COMENITYCAPITALBANK/XXXX # XXXX XXXX XXXX XXXX XXXX , OH XXXX Date Opened:XX/XX/2017 An  account was opened in the above company under my name and with my information, a charge of under {$50.00} for a pair of shoe ( that show up on my front door ) The pair of shoes was returned with enclosed label on box, I did n't opened the account or ordered the pair of shoes, my husband was at the hospital at that time. 
COMENITYCAPITALBANK/XXXX has me as a delinquent for about {$130.00} I called several times and requested the account closed and all late fees reversed because I explained that I did n't do the purchase. 
This is an scam to get fees. 
Please help me to stright this out. If you go online you will see the all the reviews for this company, this is their modus operandi. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I expect as common good business practice that corporations such as this make situations right. THIS particular situation was not due to the neglect of financial planning ; yet due to neglect of system/billing corrections ... YET today it would also seem that the us bank app that CUSTOMERS depend on ; was " undergoing maintenance '' CONVENIENT ... YET I'm responsible for this XXXX up?? I think NOT!!! fix this problem started around the XXXX XXXX of XXXX. A charge was made and then pending, XXXX . saw and noticed it. then on the XXXX still listed in pending authorization status ; then noticed strangely that available balance increased, XXXX $ thought direct deposit hit account ; same time frame Tuesday this week. np ... used card went on thru out week ; Available balance last night Thursday XXXX-XXXX ... available np ... wake up today ; show negative! 260ish! $ wtfso called in to company ; spoke to " rep ''  indicated that looked like the XXXX $ hold/authorization was put on the account THEN taken off, THEN put back ON caused the account to go negative ... I stated w anger ... HOw is THAT possible?! SHE stated that she doesn't now HOW the " system '' allows transactions to go thru or not! I stated that it doesn't make sense! 2 days w available POSITIVE balance THEN Friday today NEGATIVE!!??? because of " SYSTEM ''!? no sense ... she didn't AND refuse to fix this, and stood behind it ... stating that would't fix this account ; even after it was something the SYSTEM did and not myself. IF I made it negative I would understand. SHE said the " SYSTEM '' did ... I asked her if that was accurate, SINCE I don't have any protections against my account for negative, MEANING if the account is NEGATIVE the CARD wouldn't go thru once the account WAS in negative ... she confirmed that ... SO how AND why won't U.S. BANK a million dollar company fix this NON customer ISSUE!!!! she wouldn't and refused ; I'm livid after numerous years of loyalty are now flushed down the toilet ; I WILL take this to attorney general and potential class action if necessary. USBANK, MAKE THIS RIGHT!!! this iSN '' T my error in charges ... OH I have pictures dates times of balance checking thru out week for verification and validation fyi ... ... feedback..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 2017-11-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX from Ocwen Loan Servicing, LLC which stated : " A recent review of the above referenced loan determined the attached Step Rate notification may not have been received. We are sending this to ensure a copy is available for your records .... '' The notice stated that my rate was increasing from 2 % to 3 % and that my payment was going to increase on XX/XX/XXXX. My monthly payment increased {$1100.00} and I was given less than 30 days notice and his has placed exceptional hardship on me. 

Two days later, XX/XX/XXXX, Ocwen issued another letter telling me that I owed {$10000.00} in undercharged interest. 

I called the lender Friday XX/XX/XXXX to ask the lender to explain and was that he would put a request in to the " research team '' and that I would be notified by email or writing in between 10 to 30 days. When asked why my monthly statements never showed the increase and he could not give me a good answer other than there was an audit of some kind. I asked him why I was given almost no notice and he said that it was all something I should have known as it was a scheduled rate increase according to my loan modification. 

He offered me no other explanation or resolution other than to reapply for a loan modification. I will start the process however, I really would appreciate some advice. I noticed that according to law, the lender has an obligation to give the consumer appropriate notice as to a payment increase. Since this was never done, do I have any recourse? 

Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TrueAccord Corp.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by TrueAccord on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I completed a balance transfer with XXXX card and the payment was sent to Bank of America to pay off my credit card on the due date of XX/XX/XXXX however Bank of America posted it on the XX/XX/XXXX charging me additional interest. I'm requesting the interest be waived as my payment was made on time ( the XXXX due date ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a dispute letter with on XX/XX/2021 XXXX, Equifax and XXXX regarding a several accounts that are reporting on my consumer reports that are unverified and other accounts that were opened fraudulently and were closed due to fraud and XXXX refuses to remove it. The account is being reported as bad debit when in reality it was fraud that was never investigated. Its been more than 30 days and the accounts in my letters are still reporting. Under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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:
XXXX XXXX XXXX XXXX 60DAY LATE FOR XX/XX/2018 THIS COMPANY FAILED TO VALIDATE THE 60 DAY. THIS 60 DAY LATE IS UNVERIFABLE.

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 2017-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
After review of my credit report from Experian on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. I contacted menards on XX/XX/XXXX and spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted Experian and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.

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 2022-03-02
Company: Upgrade, Inc.
State: FL
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 mid XX/XX/XXXX, I initiated a dispute with the credit card company regarding a {$1500.00} charge made by a vendor who misrepresented availability of a product which I paid for using my card. 

On XXXX XXXX, XXXX, I emailed the credit card company to ask the status of the dispute. On XXXX XXXX, XXXX, I received an email which stated the matter was still being investigated. That XXXX XXXX email from the company did not request anything further from me, i.e., documentation, etc. 

On XX/XX/XXXX, I received an email from a different representative that said the dispute was declined. I was told by phone that the reason the dispute was declined was because the company had sent me an email requesting more info from me that I did not respond to. I told them I have no record of receiving that email and the company has refused to provide a copy to me. I have asked for an appeal but was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Their investigation did not fix an error on your report

Complaint:
The account with XXXX XXXX on my credit report is reporting incorrect information that I have disputed several times with Experian. The balance is reporting as {$830.00}. The past due balance is reporting as {$1100.00}. This information is not right. THERE IS NO WAY THE PAST DUE BALANCE IS MORE THAN THE BALANCE. I have already disputed this information and Experian did not correct the information or delete the account. They allowed the company to verify this OBVIOUS inaccurate information as accurate. ALSO, the account payment status is reporting as 180 days past due, but the account has been charged off since 2018. How is the account 180 days last due??? This is CLEARLY WRONG. I have disputed this information several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
Debt collector has confirmed that the debt is not mine.

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 2022-03-02
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I mistakenly transferred an amount of {$5000.00} of XXXX from my Binance.us account wallet address : XXXX into my Blockfi wallet address : XXXX on XXXX XXXX AM XXXX. I realized funds did not make into my account and contacted XXXX for status of my deposit. I was informed that the transferred amount that was transmitted onto wrong network ( BSC ). I was unaware of the transaction being sent onto wrong network. I was told that there could be no resolution to retrieve my funds back. This was unacceptable so I'm filing a complaint. If Blockfi.com is a custodian of my crypto assets then they should be able to and have a process in place to retrieve funds that customers ' mistakenly transfer onto incorrect network which can obtainable by the private key to the wallet address. 
Transaction link : https : XXXX I am sure there are others that lost money through these types of transactions. So XXXX be XXXX can make changes to their custodian practices or process. But what they have in place now is unacceptable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Made online purchase at XXXX for {$16.00}. Order was canceled due to XXXX automatically applying an outdated shipping address from my account. They acknowledge the error, and they immediately issued a cancellation notice. I have screenshot and email confirmation. <P/>XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$16.00} ) {$16.00} balance has yet to be recovered back to my XXXX XXXX XXXX ( Blackhawk Network ) as of today, XX/XX/XXXX. In detailed conversation with XXXX escalation team, they indicate that their hold on the funds has long since expired ( XX/XX/XXXX ). And so the money should have been recovered back to the available balance of the prepaid card. It has not. I spoke with XXXX ( offshore call center rep for BHN ), who repeated ad nauseum that it takes 30 days for the money to be recovered to the card, and that it is " because of XXXX problem. '' This appears to be nothing more than scapegoating. Since the XXXX hold has expired, there is no outstanding claim against my funds that BHM would be required to cover. This appears to be an attempt to float MY money for as long as possible for BHN 's financial benefit ( float adds up pretty quickly if they 're doing this to thousands and thousands of transactions at a time ). The BHN rep made no offer to assist or resolve, merely repeating over and over that it takes 30 days. The BHN website shows ZERO reference to any hold on the card ( I have a screenshot of the account info, and specifically the " Holds '' section, which is blank ). The BHN rep refused to offer any reasonable explanation as to 1 ) where my money is, or 2 ) why it is not available for my  use ... other than to blame XXXX, and repeating her " 30 days '' script. This is wildly inappropriate behavior for a company to hold consumer funds for such a long period of time -- especially without documentation in our accounts, and without explanation as to the extended period. In 2017, funds availability and holds are routinely resolved same day or next day with every other credit card I hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: VA
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:
Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX VA XXXX XXXX XXXX XXXX Balance : -

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 2021-03-10
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called the LVNV on XX/XX/2021, trying to figure out where the debt was coming from. I spoke with a representative who told me it was for XXXX XXXX, and I owed them XXXX dollars. I explained that that is incorrect, seeing as I have the final bill and I owed XXXX at the account closing time. She told me that my final bill was XXXX dollars, and we bickered back and forth. She asked if I wanted something verifying the mail 's debt, and I said yes : I have yet to receive anything In the mail. I reported them to XXXX, and somehow they verified the obligation to them, but not me. On XXXX, they moved the account from Open to Closed without any explanation, and also on XXXX, I was informed that the debt has yet to be valid. However, I have not received anything showing that I owe a debt to LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was not informed that the loan required that I start making payments immediately while in school. Now that school is complete I have a total payment that is twice the amount I originally borrowed. How is it possible to have more interest than the original amount borrowed? I have tried to work with navient but with no success. Can not afford to pay more in interest than originally borrowed.

Company response to consumer: Closed with explanation