BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an AMEX Hilton honor aspire card ending XXXX, with a " Earn {$20.00} back each month after you spend $ XXXX on U.S. dining '' AMEX offer added to my card. I spent {$25.00} on XXXX  XXXX at XXXX XXXX  with my card for my friend 's family. I don't know why it shows as XXXX on your website, but it is ordered on XXXX XXXX. I have attached the receipt for your review. I called AMEX customer service and been told I should get my {$20.00} back on my card, but right now almost 3 months I have still not seen the credit. Please check the receipt from XXXX XXXX   I attached. Please refund the {$20.00} credit to my card. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've contacted XXXX, Transunion, and XXXX  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that 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.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from 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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Our accounts with Bank of America were frozen due to a " data breech '' .in XX/XX/2021. We were unable to access any of our accounts for over 6 weeks. The Bank of America did not give us any documentation of the freeze to use to alert our creditors and we had automatic payments bounce. Because of their undocumented freeze, we had to put everything on credit cards for over 6 weeks and pay late fees on payments to our creditors. We have had to open accounts at another bank because Bank of America would not even assist with reestablishing our accounts under new numbers. I have since learned that they should have provided us with credit report protection and assistance with the creditors to explain the delay in payments and confirm the validity of the freeze as part of a data breech. We have had increasing credit rate reductions since XXXX XXXXwhich seems to be falling monthly even though we are up to date on our payments with automatic withdrawals through our new bank. 

My complaint is with the lack of formal documentation of the breech and our accounts being frozen and our online statements being wiped out to even know which payments were made or not during that time before and during the freeze. There was no customer support or even a claim number to refer to in the system according to the bank due to it " being under investigation ''. 
As a further result of this breech as of XX/XX/2021 I received notice that someone has appllied for unemployment benefits in my name and social security number in Illinois. 
When I notified the credit reporting companies and my local pollice to get a report # I was strongly recommended to also report the bank to your agency. 

Please let me know what else you will need from us to follow up with the Bank of America and their shady " data breech '' protocol that has now damaged our credit rating and provided NO support or assistance to repair our credit rating and the interest we had to pay on our credit cards due to lack of access to our funds for an extended period of time ( +6 weeks ).

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 2018-08-10
Company: NCB Management Services Inc.
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car loan with XXXX. The car was repossessed and subsequently re-sold to another individual. XXXX applied NONE of the funds from the resale to my balance and is now attempting to collect the full balance from me and apparently a balance on the same vehicle from someone else. 

I have been told that this company does this to virtually everyone..often selling the same car 5 or 6 times and then collecting full balances on each of them so that, in effect, they can collect {$40000.00} in balances on ONE $ XXXX vehicle. This is not only unethical, it is ILLEGAL and the CFPB needs to turn this into a national class action lawsuit. 

They have also now placed this debt with NCB Management which means they are also breaking federal law XXXX Account XXXX NCB Account ( same )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: ALLY FINANCIAL INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX never heard of them but their on credit reports for hard inquiry on XX/XX/2017. i was told its a hard inquiry and will fall off in two years like why should i care. it should be removed and companys should be more careful its hackers everywhere

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 2021-06-23
Company: Resurgent Capital Services L.P.
State: TX
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare of XXXX XXXX Va has held on to escrow funds that were owe to me since XX/XX/2018. As of XX/XX/18 they still have not paid me and are giving me an excuse that it is taking a while to process. I have called 6 times and have been given the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: DC
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 Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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. 

I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the investigation was complete

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 2017-11-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I want XXXX, Experian and XXXX XXXX to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : XXXX  XXXX XXXX ( XXXX XXXX Salary : {$300000.00}

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 2018-11-14
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a complaint with the CFPB, the end of XX/XX/2018, for XXXX XXXX collecting on behalf of XXXX I sent letters to the company asking to verify the debt I owe, bearing my signature. They repeatedly sent bills back to me verifying nothing. Nothing with my signature verifying the debt. They reported to the credit Bureaus and hurt my credit score drastically over a debt they can not verify. I was sent back a letter from XXXX XXXX  on the complaint I filed, On XX/XX/XXXXthrough CFPB, that said XXXX  has recalled the account and they removed from the credit Bureaus except for one Bureau. Now XXXX  again has chosen a different collection agency and they have reported to all the credit Bureaus again. This company is Source Receivables Management, XXXX NC, I didn't receive a letter in the mail, not a phone call, anything from this company. XXXX   recalled this account because they can not verify this is my debt. The amount they say I owe is XXXX. I do not owe this debt and recalling the account and moving on to a different collection agency doesnt make the debt valid. I would like for them to stop harrassing me and remove from my credit Bureaus immediately. The next steps will be the Attorney General 's Office and or the XXXX XXXX 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 2017-08-03
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XXXX, I won a dispute by having " Diversified Services '' closed and removed from my credit report. After reviewing my report this morning with XXXX, the collections were RE-OPENED and RE-ADDED to my report. I know that this is illegal. I want the RE-CLOSED and Removed without me having to contact the BBB. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email from bank saying my card was linked to a XXXX pay account when I do not have one. 

Chase bank called due to fraudulent charges and sent new card. They were concerned about identity theft, so they told me to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I tried to make a purchase with my

HSBC credit card and it was declined. I called and HSBC suspected fraud and verified my data. After verification, they said my account would be closed down and I would receive a letter in 2 weeks. At that time, they also closed my other credit card as well as my checking account. They also restricted all access to my online account access. I have over {$4000.00} in my account that they will not release and a XXXX  balance on both credit cards. I have called numerous times and am only told I will receive a letter in 2
weeks.

At this point, they are holding my money illegally and closed my account for an undisclosed reason of which I have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Trans Union : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The following inquiries are unauthorized : Creditor Inquiry Date XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2018-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company servicing my loan is Select Portfolio Servicing. I have had many issues with this company during the servicing process dating back many years. I am trying to get information from them the Mortgage Trust they are attempting to collect on. 
The trust is held by XXXX XXXX XXXX XXXX, being serviced by Select Portfolio, yet the payments apparently are being dispersed by XXXX XXXX. All of these banks have recent court rulings againt them as far as Mortgage Trusts are concerned. 
My mortgage is part of the XXXX XXXX XXXX XXXX held by XXXX XXXX. I am attempting to find information on the actual trust. Through my own research I can find no information on this trust past 2006. I have searched FDIC site as well as many others. 
I have talked with people at XXXX XXXX  that should have direct knowledge of the trust and they referred me back to XXXX XXXX who supposedly disperses payments for the trust. XXXX XXXX could tell me nothing. When I talk to Select Portfolio and  try to gain information on the trust they seem to know nothing about it as well. 
I have verbally requested info on this over 30 days ago and spoke with the Ombudsmen office today and still got nowhere They have accepted me into a payoff plan, which they only gave me less that a month to accept, I told them I needed the information on confirmation that the trust actually exists before I can start making payments. It is only common sense that you don't pay things when you have no idea where your money is going. Deadline to accept the plan is this Monday the XXXX and they will now extend it for me. They have also set up a foreclosure date even before they knew if I was going to accept the plan or not. The foreclosure date is for XXXX 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 2018-11-14
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: Account information incorrect

Complaint:
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX and Equifax and they still said that I was verified, but it wrong because I the open dates also the card limit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and 15 USC 1692. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX  Date Opened : XX/XX/XXXX Amount : {$110.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/XXXX, we had received a promotional offer from Wells Fargo on our email as we are customers. The offer was for a Balance Transfer with these terms : 15 months interest free ( 0 % ), for a 5 % fee. 
We have kept the email with the offer. We called on XX/XX/XXXX, and requested this offer. On XX/XX/XXXX, we noticed that we were being charged interest on this transfer. We called Wells Fargo and talked to Supervisor XXXX. He looked into it and said the request had been improperly processed as a Cash Advance. He told us that he would submit it for correction. He said to give them a few months and we would see the correction made. Meanwhile, he advised us to make minimum payments until it was corrected. We waited until XX/XX/XXXX and called back because nothing had been done. We talked to XXXX, who said it was a 'bucket change '. He switched us to XXXX in Customer Care. Then we were switched to XXXX, who said the Case Manager, XXXX would call us within 24 hours. We received no call. We called back XX/XX/XXXX and were told that XXXX had tried to call, but our line was busy. Our call history showed no missed call. We were told that XXXX would contact us when it was resolved. It has been six months, and we feel they are not going to help us. Meanwhile they are charging us interest as if it is a Cash Advance at 23.99 %.

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several inquires on my credit report that I do not recognize. They are as follows ; -XXXX/XXXX  XX/XX/2018 -XXXX  XXXX   XX/XX/2018 -XXXX  XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX -XXXX/XXXX  XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX  XXXX XX/XX/2018 -XXXX  XXXX   XX/XX/2018 -XXXX  XXXX  XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX   XX/XX/2018

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 2017-11-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Common Wealth Financial Systems XXXX XXXX 2017 {$51.00} They told me over the phone that the account was not mine after them verifying it was not my account. They ended up removing one account and forgot to remove this one. So I called them again and they told me to send them verification of identity theft which I did and they said they would take care of it and remove it. Now I have the credit burea say they denied my request which they ORIGINALLY AGREED and verified it wasnt mine to begin with. I have emails and they should have notes i the system and recorded calls of original agreement about it not being my account. Please have them remove this as I am STILL FIGHTING IDENTITY FRAUD

Company response to consumer: Closed with explanation