BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 asked for a reinvestigation into an incorrect account, XXXX # XXXX. It is my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I asked for the names and phone numbers of the managers that verified the items. You denied my right and instead stated you previously sent papers verifying such information. The paperwork you sent was never received prior to that date from the creditor. This does not verify the information on the account. On the paper transunion provided it states I owe somewhere over XXXX USD. However, its being reporting around XXXX USD. This account is incorrect as I have been complaining and as the credit reporting agency you are Deliberately violating my rights. On or around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX you also failed to respond within the 30 days time. In fact, lied and stated you never received correspondence. Its is my right to have this item removed because it is not properly verified.

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 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told ALL the credit cards I owe that I had a injury, which is true. Because if the injury I was unable to work and eventually lost my job because of it. I was told by all of them they would work with me and that they understood. Suddenly one card closed my account and sent to collections. Well as soon as that happened they all did the same thing. They lied about working with me and have since ruined my credit. I will not let this go until the accounts showed paid in full. They all told me a line of XXXX  closed my accounts and I was unable to take care of them. I want those accounts removed and Ill show how I can keep my credit up to date and have them begging for my business. Please help so I can move on and have the things I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
As I logged in to the PayPal app, I noticed that there was a transaction that I didnt authorized, so I opened a dispute with PayPal so that the transaction can be cancelled. Today PayPal tells me that the transaction couldnt be covered or the way I see it that they cancelled it but that they cant provide me with a refund. I feel like this is fraud, I need that refund back into my PayPal credit account because there was not a transaction completed or neither did I receive any item for the money that they arent willing to refund me, this transaction was made and I believe is from XXXX. Please help me, I dont want to pay money that I do not owe. The amount is {$27.00} and it was made on XX/XX/2020.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned XXXX on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate XXXX doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.

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 2018-08-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started a short sale process in XX/XX/2018 with Mr. Cooper. The process has been so long, my agent has submitted all requested documents and the bank has taken very long to work the file. we were told the file is only worked on every 5 days but at times it is way longer than that to get responses. The bank has always KNOWN of the FORECLOSURE SALE DATE and says they are working with us and will hold or postpone the sale date while we are working the file but they actually never do. On XX/XX/2018 they said the short sale has been approved as long as a counter offer of XXXX was submitted, the bank conveniently deleted that ONE MESSAGE but you can see attached the responses to that message and the message alert through my agents email that shows the date of the message being sent. The counter offer they needed to provide approval was sent and the approval never came. we called numerous times to have sale date of XX/XX/2018 postponed and they said they would but actually never did. It has been nothing but mortgage servicer abuse that has taken this long!!! All I want is to avoid foreclosure and I don't appreciate the games they are playing with my file. 5 moths with a file is just way too long when there are not many short sale files left to work with. Not answering messages or working the file on a timely manner is really time consuming for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to make a transaction XX/XX/XXXX and ended up canceling it. A few days later I got locked out of my account due to suspicious activity and I was told to call in. I called the number that appeared on the message but didn't get any help and was told that I had to physically go into a chase branch to resolve this issue. The problem is that I work overseas and I'm not physically in the US that's why I added my sister as an authorized user so that she can help out with these issues. My sister went to the bank only to be told that there was no issue with my account but I still couldn't access my account so I call the number again and explained to them what my sister was told in branch and they replied that she needed to have a rep from a XXXX branch call their department in order to resolve the issue only to be told that I personally had to physically show up to the bank which is impossible because I spend most of the year overseas. I have creditcard Bill 's to pay that I will miss if I cant access my account so I really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: AMERICAN EXPRESS COMPANY
State: MA
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 spring of XXXX, a relative was held in XXXX custody, and the prison told us to use XXXX for phone calls with them. Our last " authorized '' charge with them was back in XXXX. In XXXX out of the blue, they charged my AmEx card {$39.00} four times on XX/XX/XXXX, XXXX, and XXXX. I didn't notice the one on the XXXX, but I disuputed the last 3 with AmEx after trying to get a refund from XXXX. 

I have included additional information in the attached PDF, which was my response to AmEx 's finding in XXXX 's favor. 

XXXX 's response to Amex for each dispute was a 10 page PDF response, nearly identical : - they had computer logs showing we first visited the site at <EXACT TIME OF CREDIT CARD TRANSACTION> and registered for a new account with XXXX e-mail address ( How do they have computer logs saying I first visited the site at the exact same time of the credit transaction? You'd expect a few minutes delay. ) - XXXX 's web site does not even allow allow you to open multiple accounts with the same e-mail. ( Their form letters are claiming each of those charges was for a new account for the same e-mail. How is that possible? ) XXXX XXXX 's response contained screen shots of the new user form showing a totally different amount than {$39.00} - It listed an IP address we used to login to the service back in XXXX, but we were in the middle of the XXXX XXXX in XXXX ( verifiable with travel documents ). 

AmEx accepted the merchant 's explanation. A close reading of the responses from the merchant would show they're lying. 

I asked American Express for a merchant block back at the end of XXXX, but again today ( XX/XX/XXXX ) there is a new charge from XXXX. AmEx told me the merchant block didn't work, so they tried again. 

I don't know what to do : - (

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX and I am writing in high hopes that you will be able to help resolve a very concerning fraud claim that TD bank has failed to resolve the first time. I filed a claim on XX/XX/XXXX after I had been a victim of fraud. To my utter surprise, my claim was denied. I am disturbed that TD bank would reject a claim that has fraud written all over it and is of no fault of my own. I am also shocked that TD bank would reject this claim during this challenging time in our world and also since I have been a loyal TD customer for years. I submitted a second claim tonight, XX/XX/XXXX and plan to bring evidence ( screenshots of text messages between me and the hacker ) of this fraudulent situation to my local TD branch. Below is an outline of exactly what happened on XX/XX/XXXX. 

I received a text message from the TD Bank Fraud protection department asking if I recognized a charge on my card, which I did not. I called TD bank immediately, and as I was calling, received a call from the exact same TD bank XXXX ( XXXX ) XXXX number. Assuming it was fraud checking in with me, I answered. They sent me a verification code via text to ensure it was a TD representative ( with the exact number and wording that TD bank uses ). After this, they promised to reverse the funds that had been taken out of my account and asked me to type Y for yes to verify the " reversal funds to get the stolen money back into my account. Apparently I have been told by the bank that this was done on an app called XXXX and I had no idea what XXXX even is because I have never used or heard of XXXX in my life. Its shocking to me that these transactions have been processed without my authorization and that the bank is not there to protect me. I never at any point authorized anyone, including myself, to use XXXX with this account and was never notified by the bank that XXXX was being used with my account. 

The claim was at first denied because I had authorized this transaction, but it is clear that I was a victim of fraud since the hacker had so well impersonated TD bank. I am disappointed and disgusted that XXXX was taken from me and that TD bank claimed that I had willingly verified the charges when in fact I had blatantly been tricked and a victim to fraud due to the exact TD bank phone number and wording of the messages. 

TD bank has been awful in helping me resolve this problem - I have gotten little to no support or empathy for the loss of XXXX. I filed a police report and have another claim in, and I am hoping that you will be able to help resolve this case. 

I appreciate your time and consideration and look forward to hearing from you. 

Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with Experian within the required 30-day period.

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 2021-11-29
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2021, there is a debt collection for the amount {$380.00} from XXXX. on my credit report that I was not notified of. The alleged debt account was handed over to CCS Collections on XX/XX/XXXX from the original creditor. I never received a letter from CCS Collections, which was supposed to happen 5 days after initial contact/date the account was handed over. Thus, I was never given the opportunity to dispute/have said alleged debt validated. This is a direct violation of the FDCPA due to each individual having the chance to validate or dispute whether a debt belongs to that person or not. In fact, debt collector must provide a letter that states information about said debt and that an individual has 30 days to mail a debt validation letter before the collector " assumes '' the debt belongs to the person. A Debt Collector can not just slap a debt on someone's credit report without the individual knowing and being able to dispute/validate said alleged debt. I was not given that chance. Fast forward to XX/XX/2021, I filed a dispute with XXXX about this invalid debt. On XX/XX/2021, XXXX notifies me of the results of the investigation. According to CCS Collections, they VERIFIED, NOT VALIDATED, the debt. Who did they verify this debt with? What information was used? This is a potential HIPPA Violation, that is, if they possess personal medical records/information that is outside of HIPPA 's guidelines, and used that along with whatever else documents in their possession to " verify, '' this invalid debt. Also, I am not aware if CCS Collections is even allowed to collect this invalid debt. Under the guidelines of the FDCPA, the collection agency in question must be the correct agency collecting on this debt. If not, they can not pursue collections, and the debt must be removed from consumers credit report. Did CCS Collections mail me a written agreement between them and the original creditor? No. So, how do I know that they are able to collect on/report this invalid debt? I do not. Again, I never received a letter from CCS Collections, surrounding this alleged debt, nor was I given the chance to send them a debt validation letter, which I have every right to, according to FDCPA. Last, CCS Collections should only contact me via letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Innovis
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, 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:
XXXX and XXXX removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On Equifax the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When I would view my credit card statement online, it would show that if I paid a certain amount how much the credit would cost me and how long it would take me to pay it off. 

I am an online statement customer. 

I logged into my Discover credit card on XX/XX/XXXX and looked at my statement to find that information and it was no longer there. It used to show that information. 

From research, I found that there was a law initiated in XX/XX/XXXX, that this information is suppose to be available to consumers.

I was looking for this information as I was thinking about taking out a loan at a lower rate than the Discover card and without that information, I am unable to move forward. 

The first agent I initiated chat with online stated that it is on the paper statement. Again, I get my statement electronically and again, it used to be available until they updated their website. The site is user friendly and pretty, but if it doesn't have the information I need ; what good is it? 

Please advise if this law is still in effect and if it is ; how do I make Discover accountable. 

Thank you for your help.

Company response to consumer: Closed with explanation