BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: AL
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 pled to have the 90 days late payment status on both loans removed from my credit report. I was under the impression that the loans were still in deferment. I received a credit alert in XX/XX/XXXX that the loans were 90 days past due. I was unaware that the loans had entered the re-payment. In XX/XX/XXXX the federal government entered student loan repay pause due to the XXXX crisis. After several extensions the pause is extended to XX/XX/XXXX. I feel that the 90 days late status is in error. It has made a very negative impact on my credit which is preventing me from closing my house. I have worked hard over the past few months trying to improve my XXXX XXXX. This negative impact on my XXXX XXXX, has caused me stress and anxiety. The housing market is unfair for minorities, and Im requesting removal immediately. If this matter is not resolved, I will have to reach out to an attorney to help get it rectified. Ive made several attempts to get XXXX to resolve this matter. I was told theres nothing they can do.

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 2018-04-06
Company: AMERICAN EXPRESS COMPANY
State: CT
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 rewards from credit card

Complaint:
On XX/XX/XXXX, I was unable to transfer American express membership rewards to an authorized user. A customer representative told me that it was because my account has been under review. She also added that the review could take 6-8 weeks. I am really frustrated by this response. Hope that the accompany will resolve this problem as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
For the second time this year Paypal allowed a stolen debit card of mine to be used for fraudulent transactions. 

One time is understandable, but twice is either negligence or policy. 

I was notified by my bank on XX/XX/XXXX that my card was used via paypal twice for {$100.00} each. There were several more attempts made but they were able to block the use of the card. 

I contacted paypal regarding the issue and they claimed the card was swiped in XXXX ohio for the transactions and they would not refund the charges. 

I was not in XXXX ohio on the XXXX and have not been there for over 20 years and the card was never out of my possession. 

They basically said I was lying and they would not do anything about the charges. 

Like I stated above back in XXXX of this year they stole {$1300.00} from me and took over 2 weeks to give it back. Since I dont have a paypal account they were more worried about their customer being upset than the money they stole from me. 

Again, I have the card, it nor I was ever in XXXX. They continue to show that they make money off of the fraudulent charges and they dont care that non customer victims are being screwed by their incompetence. 

Here are the details of the transactions : Card # XXXX XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as XXXX XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00} XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2017, I filed a claim with Bank of America because I had unauthorized charges on my account.

I explained to the representative that I had been using a temporary debit card ( issued by Bank of America ) until my permanent debit card arrived in the mail. On the day that I received the permanent debit card, I also received a letter from Bank of America with my PIN number enclosed.

I was n't aware that the temporary card would still be active after I activated the permanent card. So, I tossed the letter and the temporary card into the trash.

I later realized the false charges.

So, when I called, I was given a temporary credit-on XXXX XXXX, 2017. 
Today, I received an email that stated the credit is being reversed because the thief only swiped my card one time and did n't attempt to steal more! How ridiculous!

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 2018-09-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Lender did not notify us or our homeowners association of the hearing on XX/XX/2018. Subsequently on XX/XX/2018 we filed a motion to vacate and met with the Court MAGISTRATE whom granted us the motion and the lender attorney admitted that we were never notified.

We submitted a complete modification package to the lender on XX/XX/2018 at XXXX XXXX However. The Servicer refused to provide information and provide us the legal contacting information to proceed.

On XX/XX/2018 at XXXX XXXX we faxed a completed package to the legal office and we did the first follow up XX/XX/2018 at XXXX XXXX XXXX and we were told that a completed package was received and was being reviewed with no questions at the moment to follow up in 48 hours ; we did several attempts contacting the legal offices to follow up and I was unable to speak with their loss mitigation department, I wrote an email on XX/XX/2018 at XXXX XXXX The same day at XXXX XXXX we received the denial response due to : 1. The complete retention package was not received ( we have faxed completed package to the lender and the legal office with fax confirmation receipt ) 2. More than 37 days before the scheduled foreclosure sale ( we dont have a sale foreclosure sale scheduled )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Back in XX/XX/XXXX I purchased an XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. My husband was on the loan as co-applicant.

Back in XX/XX/XXXX I received a call while living in an efficiency from a lady saying that if I did not tell them where they could locate the car she would have me arrested by the sheriff.

The truck was not running, we where in the process of moving and she put fear in me.

I knew we had missed a payment but she be at told us all we had to was make the o e pay me t. We let them take car, and the next day in the mail we received a letter stating we needed to make one payment.

They sold the car asap and turned our account over to collection.

For 15 years we have been sued and taken to court regardi g this matter. We are being charged daily interest and feel we have paid this debt off years ago. But they keep telling XXXX. XXXX, XXXX XXXX XXXX the collection agency at XXXX XXXX XXXX XXXX, Va to continue to collect this old debt. They would car ish my husband 's wages if we did not pay ourselves.

We have had to file bankruptcy twice due to this issue. Been to court and told the judge years ago we had no funds to raise our family and continue to pay thousands of dollars on this account. But yet I am now still paying out of my social security check due to a separation. We can not afford to keep paying for a truck we no longer have. It has been paid in FULL we feel two times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: OPORTUN FINANCIAL CORPORATION
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX there was a fraudulent charge on my account in the amount of {$180.00} from XXXX XXXX. I noticed the charge on my billing statement when I checked the account on XXXX XXXX and placed a call to the issuer immediately. I can assure you, I have NOT authorized this charge. The issuer is Oportun and the account that the fraudulent charge occurred on ends in XXXX According to customer service representatives, the card has been cancelled. However, it is currently XXXX XXXX  and this charge still has not been removed from the statement. Oportun refuses to supply any written form of documentation that I have notified them of fraudulent activity ; even though I have placed numerous calls to them and requested confirmation in writing. The only action they have taken is to issue me 2 new cards, which I refuse to activate until Im reassured I can trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Information belongs to someone else

Complaint:
I never applied for this XXXX {$5000.00} credit card. Account # on my report XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES HAS CALLED MY CELL PHONE REPEATLY PHISHING TRYING TO COLLECT A DEBT I DO NOT AND NEVER OWED THEM AGAIN ONE BROWN PENNY! THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION ACT! NEVER A LETTER COMES BEFORE THE UNLAWFUL PHONE CALLS TO MYSELF AS WITH THE IILEGAL TACTICS OF PHISHING TRYING TO COLLECT A DEBT WHICH PORTFOLIO RECOVERY ASSOCIATES IS KNOWED THRU OUT THE COUNTRY FOR! I REPORTED THEM ON THE SAME COMPLAINT XXXX ON XX/XX/XXXX ALSO CALLED THE XXXX XXXX   XXXX AND TOLD THEM TO STOP THIER NONSENSE! THE FLORIDA STATE ATTORNEY WILL GET MY NEXT LETTER TI GET THEM TO STOP VIOLATING THE LAW. I  AGAIN DO NOT OWE THEM ONE BROWN PENNY OR ANY MEDICAL INSTITUTION THEY ARE PRETENDING TO COLLECT FOR! I AM A XXXX FOR OVER 30 YEARS AND KNOW WHEN A FRAUDULENT PRACTICE IS BEING DONE TO MY REPUTATION AND MYSELF!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved

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 2018-09-27
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX  to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THESE COMPANIES BELOW :
LVNVFUNDG AT C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX        ACCOUNT# XXXX & XXXX
                       AMOUNTS:   XXXX XXXX XXXX XXXX XXXX

XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX
                   ACCOUNT# XXXX        AMOUNT : XXXX XXXX

THESE COMPANIES HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNTS ABOVE. THE COLLECTIONS HAS BEEN REPORTED AS PAST DUE BALANCES. I DO NOT KNOW THESE COMPANIES. I HAVE NEVER DONE ANY BUSINESS WITH THESE COMPANIES. THESE COMPANIES DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false. 
I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXXand XX/XX/XXXXand not {$5.00}.

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 explanation
Consumer complaint received 2020-07-07
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
First Bankcard sent a letter dated XX/XX/2020 stating that the credit limit on the card was changed to {$500.00}. The card had been issued with a {$800.00} limit. 

First Bankcard 's Customer Service was contacted by telephone regarding this matter on XX/XX/2020, requesting restoration of the limit to {$800.00}. The Customer Service agent stated the limit could not be changed for at least a 90 day period, and stated that it was a program-wide decision, not based on individual usage or actions. 

I reject these account changes and request that the limit be restored to the original {$800.00} amount. 

For wider context, there are news reports that companies engaging in this practice are likely motivated by the COVID-19 pandemic, although the Customer Service Representative did not mention this during the call. Constricting credit access to consumers during a time of crisis constitutes unethical behavior in the marketplace.

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 2019-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
BANK OF AMERICA CREDIT CARD CLOSED BOTH MY CARD ACCOUNTS DUE TO SSN BEING " DUPLICATE '' THEY SENT ME ONE FORM OF WHICH I FILLED OUT AND RETURNED, HOWEVER, B OF A CLOSED MY ACCOUNT ANYWAY AND DIDNT EVEN INFORM ME, I WAS NOTIFIED BY MY CREDIT MONITORING SERVICE. WHEN I REACHED OUT TO BANK OF AMERICA TO GET THIS RESOLVED, I WAS TREATED RUDLY BY THE TEAM MEMBERS AND HUNG UP ON XX/XX/2019.

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 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.

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 explanation
Consumer complaint received 2018-03-10
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I pulled my credit report and noticed that their was two collection accounts from Midwest Recovery Systems for XXXX XXXX XXXX and XXXX 1. I was never notified by this company regarding these accounts. On XX/XX/2018, I sent a Cease and Desist letter by certified mail to Midwest Recovery Systems. To date, Midwest Recovery Systems is still reporting collection activity. This is a violation of the FCRA and FDCPA. Please see attached evidence.

Company response to consumer: Closed with explanation