BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a FHA Loan, after pass thru a forbearance plan due to be affected by COVID-19 pandemic ( Income reduction including unemployment claim ) I am requesting to my mortgage company ( XXXX XXXX XXXX XXXX ) to exit from that plan and start paying my monthly payment again but also I am requesting an Loan Modification in order to get a better rate but mainly to put my missing payments to the end of the loan. What I received from the company was a NON-Approval letter and they only evaluated my case using this 3 alternatives : Repayment Plan, Unemployment Forbearance and FHA HAMP Modification Trial but did not evaluated me for COVID-19 Partial Claim that can help me to resume the payments but putting the missing payments at the end of the loan, instead of that they are requesting me to pay the full amount immediately.

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 2021-09-01
Company: Square Inc
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK FINANCIAL COMPANY THAT ISSUES PREPAID VISA CARD TO CONSUMER SO NAME OF BANK ISSUES MY VISA CARD ISSUES XXXX XXXX  DEBIT VISA CARD ACCOUNT CASH APP VISA CARD CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX SO THE MAIN PROBLEM ISSUES IM HAVING WITH MY VISA CARD ACCOUNT THE BANK CLOSE MY VISA CARD ACCOUNT WITH OUT MY CONSENT OF KNOWLEDGE SO I HAVE SENT BUSINESS EMAIL ADDRESS BUSINESS RESPONSE THEY COULD NOT HELP ME BUSINESS REFUSE TO REOPEN MY VISA CARD ACCOUNT AGREEMENT I HAVE ON FILED WITH BANK CARD ISSUES BUSINESS EMAIL ADDRESS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. 

Before leaving I settled all my credit cards and debts. I had a credit card with TD Bank and I paid in full its balance. 

A year later, on XXXX XXXX, TD charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. 

I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. 

I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via XXXX  the week of XX/XX/XXXX. As a result TD bank updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. 

I have called several TD customer services 1800 numbers and spent several hours on long waits. The TD employees I have spoken to do not know how to settle this and keep sending me to call other 1800 number lines/departments with no one assuming the solution. The TD associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score. The TD customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with XXXX  and TD came back with the same vague answer, updating the credit submission as Charged Off. 

On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : TD Bank Credit Card. 
XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. 

I believe this matter is unfair, a result of an internal mistake from TD Bank, and is directly affecting my credit score. 

Could you please help me to solve and clean my credit score? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: TN
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Our company was charged {$120.00} on XX/XX/XXXX by XXXX on a Bank of America credit card that was closed in XX/XX/XXXX. The charge was erroneous, XXXX set us a refund via check in XX/XX/XXXX. We were unaware that the charge originated from a Bank of America credit card since our account had been closed since XX/XX/XXXX. 

The Bank of America representative we spoke with on XX/XX/XXXX told us on that companies can make pre-authorized charges to credit cards via " adjustments '' regardless of whether such an account has been closed. 

Is such a practice allowed? If so, why is it permissible for a credit card company to accept such a charge despite closing our account? 

We are being charged interest for this which the bank refuses to waive because it's not a " bank error ''. 

Sincerely, 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 2021-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 I sent a letter to Portfolio Recovery regarding a debt that I do not owe and a card I never signed up for. I sent this letter by certified mail receipt # XXXX by USPS postal service. I never received a validation with the items that I requested to prove that this debt was mine, and I assume that they never responded because you can't validate something that is false. I followed up with another letter on XX/XX/21 and still received no response to my request nor any validation that this debt belonged to me, which I mentioned numerous times in my request that this account was not opened by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
There are two accounts that are on my credit report that are not mine I have been writing to the bureaus and the furnishers regarding this I have opened an FTC but nothing. I have not signed approved or used these accounts I have no clue what they are for and why they are on my credit report. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CALIFORNIA Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Vance and Huffman LLC This Account was opened fraudulently. 
I'm a Victim of the XXXX  Security Breach. I have never opened any account with the company ; " Vance and Huffman LLC '' I Did Not Open or Authorized this Account or Request Any Amount of Credit. This Account Is Fraud. 

I Did Not Authorize The Company Vance and Huffman LLC To Open This Account ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020 I received an email and a text message from the Best Buy account department regarding an attempted charge. I called Best Buy account department and inform them that was not me. They told me charges did not post. maybe 30 minutes later a second alert, I called this time the fraud department. I mention to them I am not making any charges. They said not to worry no charges were posted. I asked the representative to close my account. If they attempted twice they will attempt again. The representative said no need to close the account charges were not post. I told him, no close the account this is not a ca credit card that I use. I have only used this card at best buy nowhere else. The representative closed the account per my request. One month later I received a statement from Best buy with charges of {$950.00}. I called and made a fraud complaint. I was told the account was closed and the charges were never included. I reminded them that there representative mention to me the charges never post. The claim was open. I receveied a letter XXXX XXXX mailed onXX/XX/XXXX based on their investigation I am responsible for those charges because the card was used with the enable card reader. I told them I don't know how, if I have the credit card and I cut the credit card in XXXX when I closed the account.

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 2016-05-31
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationstar is reporting false and misrepresenting a loan they 're servicing that was transferred from XXXX XXXX XXXX Home Loan servicing. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

Nationstar Mortgage information should reflect the same data as XXXX XXXX XXXX 's to start. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments, no agreements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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:
It's not my inquiries, i never applied for this companies. I don't recognize any of this inquiries.

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 2019-02-23
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I've.treid what I've believed to be every thing that the company XXXX XXXX asked for to no avail the company gave me the runaround .form one person to another it was always something else .never got the.honest answer form any of the agents at both levels.it started XX/XX/2018 till XXXX. Of XXXX. The amount of money can form military and Social security disability.for the amount of XXXX dollars I was denied recompense because they said they never received the paper work that was asked of me I have record of dates and times I submitted the ivedest of my complant.sencerly XXXX XXXX XXXX. Phone number ( XXXX ) XXXX or ( XXXX ) XXXX thank you for your serves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/21 while traveling in Florida, I purchased gas using my Chase Debit card. The total was {$20.00}. When I returned to my hotel later that afternoon, I noticed an additional charge of {$84.00} from XXXX XXXX XXXX XXXX in Washington state. I immediately called Chase customer service and disputed this charge as unauthorized. My card was disabled, I received a credit and I was mailed a new card to my home in New York. On XX/XX/21 I noticed Chase bank reversed the credit for {$84.00}. When I call them to inquire I am told that the initial charge was not fraud and was substiantiated by the mechant. I asked for proof of my signature and was told by both the CSR and Supervisor that my signature was not needed because the merchant was able to verify my name, address, and email. I argued that the company who charged my card is a some type of company in Washington state. I am XXXX years old, physically XXXX with a XXXX injury, live in New York and I did not purchase or authorize the purchase! They could have cared less. They told me the charges were valid and they would not reverse them. However, I could reopen the claim if I could provide proof of fraud. I asked them for the contact information for the merchant and was given XXXX. Which is an outsourced 3rd party service who has no information on the credit card transactions. The first thing they ask is for your zip code, name & address before even allowing you to ask any questions. So of course they have just been given the information Chase requires to verify a purchase. Chase did not have an address for the merchant for any name other that XXXX XXXX XXXX XXXX. I have been unable to find a company by that name listed anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, US DEPT VETS Company Inquiries : 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 explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2021-02-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a prepaid account used for checking with American Express Serve card which uses XXXX XXXX I believe. My son attends XXXX University and I applied for and received a Parent Plus Loan. There was a refund amount of {$9600.00} which was to be sent in the form of a check to myself at my home address. Some how the refund was submitted as a direct deposit into my checking account but the bank for the XXXX who submits the payments on my sons schools behalf put it in his name. My bank accepted the deposit but then completely froze and suspended my account due to the deposit. They are refusing to send the money back to the issuing bank without a letter of indemnity and all of my money that was rightfully mine before this deposit is also frozen and they will not give me access to it or send me the money in the form of a check until the refund money is removed. I did not think this was legal for them not to send the money back, or send me my money that is mine. XXXX University is not getting help from XXXX and XXXX will not contact their bank to have them send the letter of indemnity because they said American Express Serve should just send the money back automatically. I am struggling financially with no access to funds and I need help. 

American Express Bank closed my account with no letter, phone calls, nothing. We have only had conversations over the phone and they have documented my account. They have the Payment Investigation Team that no one can speak to, just email at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 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 explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting 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 an 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 non-monetary relief
Consumer complaint received 2019-08-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have a Delta Airline American Express Card, I used the card last year and was charged {$95.00} Fee, I have not made any purchases since last year and made payments every month. I was charged {$95.00} fee again this month. I called they told me I will not get any millage credit, I cancelled my credit card and asked to get credit for {$95.00} fee, they said it will take 45 days to get credit. I am a senior citizen, I don't think I should pay over 21 % interest rate on membership fees. I will contact congresswomen XXXX XXXX if I don't get credited right away.

Company response to consumer: Closed with monetary relief