BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I CONTACTED EQUIFAX TODAY XX/XX/XXXX, AND DISPUTED INACCURATE INFORMATION ON MY CREDIT REPORT RECEIVED USING XXXX UNDER EQUIFAX REPORT, THAT SHOWED MY XXXX CARD AND XXXX  CARD WHICH ARE CURRENT ACCOUNTS, AS CHARGED OFF ; WITH INCORRECT BALANCES ; INCORRECT MONTHLY PAYMENTS ; INCORRECT DATES OPENED AND UNDER THE COMMENT SECTION SHOWING A STATEMENT OF CHARGED OFF IN XXXX. 
WHEN IN FACT THE ACCOUNTS ARE OPEN AND CURRENT, PAYING AS AGREED. EQUIFAX STATED THAT THE INFORMATION I RECEIVED IS NOT SHOWING ON THEIR END AND THAT I CAN NOT DISPUTE THAT INACCURATE INFORMATION. I REQUESTED TO DISPUTE THE HARD INQUIRIES LISTED ON MY REPORT FROM XXXX AND WAS REFUSED BY EQUIFAX TO DO SO. I INDICATED THAT I DID NOT AUTHORIZE THE COMPANIES ACCESS TO MY CREDIT REPORT HOWEVER EQUIFAX DENIED ME THE RIGHT TO DISPUTE IT WHEN I HAVE THAT RIGHT. AND EQUIFAX REFUSED TO INDICATE WHERE ON MY CREDIT REPORT UNDER MY RIGHTS IS IT LISTED THAT I DO NOT HAVE THE RIGHT TO DISPUTE THE HARD INQUIRIES. I AM REQUESTING ALL INACCURATE INFORMATION ON MY REPORT BE INVESTIGATED AND THE HARD INQUIRIES REMOVED DUE TO FRAUD, AS I DID NOT AUTHORIZE SUCH INQUIRES AND THE INQUIRIES ARE LISTED AS FOLLOWS : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX MI

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.

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 2020-01-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I signed up for the XXXX XXXX card last XXXX, when I signed, the offer is spend XXXX  dollars within 3 months get XXXX  XXXX points. 
So I got the card and fulfilled the spending requirements within the time limit. American Express did not give me bonus points. I called them they said its because I closed my XXXX card within 6 months. But in the XXXX XXXX sign up page, it didnt say someone could disqualify if they closed XXXX card. If I knew it, I wouldnt sign up for my XXXX XXXX card. Its not fair for plain customer. Card number is XXXX. My name is XXXX XXXX, XXXX XXXX number related the card is XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To Whom It May Concern : I am writing this letter in response to the phone calls received at my work on ( XXXX/XXXX/16 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm sending proof to Equifax that they 're reporting accounts that are listed as " unknown medical collections '' and they have failed to verify, identify or remove them. How are they legally verifying these accounts without having the identification of the creditor? It 's my right to dispute with the creditor directly and if they are refusing to provide that information, then that is a clear violation. Not only that, but one of the accounts were removed and then reinserted without any notification as required per section 611 of the FCRA. ( see attached letters which explain everything ). 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per Congress, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XX/XX/2016. I either need to see the documentation or they need to be removed, as the XXXX do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2021 I had sent a letter to the three bureaus. I asked them to verify and remove some accounts that were in error on my report. I have not received any results or information back from them in 4 months.

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 2016-05-12
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.

Company response to consumer: Closed
Consumer complaint received 2023-08-04
Company: Block, 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:
I am writing to file a formal complaint against Cash App regarding unauthorized transactions and the subsequent withdrawal of funds from my linked debit card. The purpose of this letter is to seek assistance in resolving this matter and to address the financial strain it has caused. 

On XX/XX/XXXX, I discovered that my Cash App account had been compromised, leading to unauthorized withdrawals from my attached debit card. The culprits utilized XXXX to withdraw funds from my Cash App account without my consent. I want to emphasize that I did not authorize any of these transactions. 

The unauthorized charges occurred on the following dates and amounts : XX/XX/XXXX : {$58.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$300.00} Furthermore, there were multiple unsuccessful attempts at transactions that were made, indicating further suspicious activity. I promptly contacted my bank, seeking assistance in resolving this matter. Regrettably, I was informed by my bank that it is the responsibility of Cash App to address this issue, leaving me in a precarious financial situation. 

The unauthorized access to my account and subsequent fraudulent transactions have caused significant distress and financial hardship. I am seeking your intervention in this matter, as I believe Cash App should be held accountable for the security breach and the resulting financial loss. I kindly request a investigation of this complaint and ensures that appropriate action is taken to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, XXXX XXXX and Experian. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it

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 2015-12-29
Company: Factor Trust
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I applied for and was denied consideration for a loan. I requested a report to see what was on the report upon receiving the report I noticed inaccurate and redundant information on my report and created a written dispute accordingly. The company continues to post inaccurate data on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: LendingUSA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had this loan for almost 3 yrs. I am about 3 months from paying it off. My payment due date is XXXX of each month with a 15 day grace period ( XXXX of following month ). I have always took advantage of the grace period paying between XXXX or XXXX of each month. I went to pay online yesterday, to pay for XX/XX/XXXX due date and they had my account locked so I could be not pay online or via automated system to force me to speak to their loan officers. I remind you, technically, Im not late until after the XXXX. They call me constantly harassing me as if I'm in default when I'm not. I have paid every month on time. They have no business altering my account to prevent me from paying online. Again, after paying this way and date for almost 3 yrs, now they are trying to interfere with me from paying this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Macy 's American Express charged a nonpayment fee on a waived late fee after I paid my full account balance ( minus the waived late fee ), resolved the late balance issue with their customer service under the belief that my full charge had been paid, and closed my charge card account. I believe that Macy 's American Express charged this fee illegally and as a matter of policy to receive additional payment. I believe they do this in order to generate additional revenue from closed accounts, specifically from consumers with previous late charges who are scared of damage to their credit score resulting from non-payment of this unearned charge.

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 2016-08-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They called to inquire about our late payment. I explained that we had moved recently and that I was starting a new job and would n't receive my first paycheck until XXXX/XXXX/16. They proceeded, and continue, to call multiple times a day several times a week. I kept telling them the same thing each time they called. Finally, XXXX XXXX cam and I made an electronic payment, as promised, and it cleared my bank on XXXX. Apparently, it has not cleared their bank. They called me again yesterday and today. 
Calling and harassing me is n't going to make their bank accept my payment any faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I 'm attempting to get my loan pay-off statement to re-finance but mortgage servicer, LoanCare. I 've waited 20 minutes for a human to answer the phone. Their website is clunky and I can not access my payoff statement even through their website. 

I never wanted to do business with them. XXXX Mortgage transferred my mortgage over to this XXXX company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last XXXX my home loan was sold to a company called Loancare and as soon as it was sold I received a delinquent notice and a late fee saying that I did not pay my XXXX payment when I did in fact pay it to the previous provider, XXXX. I then contacted my previous provider and they said and sent me proof that I paid my XXXX loan statement which I then forwarded to Loancare to hopefully resolve the issue and find the missing payment. I also sent Loancare copies of my bank statements to show that the money did indeed come out of my account and was not returned to me. Since XXXX I have called dozens of times trying to figure out where this missing payment is and what I can do to help and everytime I call I get generic answers like, " we will escalate the problem '', " we are waiting for the previous provider to respond '', or ( my favorite ) " I see the information you sent us but no actions have been taken yet. '' Right now I am on the second or third attempt of Loancare " contacting my previous provider '' but after doing this for months and never receiving a single call back from a supervisor or making any progress I need to find a new method to try to finally get this missing payment taken care of.

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 2021-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I submitted loan application data online for a debt consolidation loan, a " XXXX '', then received a call over the telephone from First National Bank Omaha, ( " FNNII '' ), XXXX. 

Subsequently, FNNI requested proof of identity, my active XXXX Drivers License and proof of address, a current year Utility Bill or a current year Bank Statement. 

All of my Utility Bills and my Bank Statements are set up to go to my PO Box listed on my XXXX Drivers License. 

I submitted my active XXXX Drivers License and my active XXXX Voter Registration Card which shows my name and my current physical home address. 

FNNI says they do not usually accept XXXX XXXX XXXX to comply with the " US Patriot Act '' rules. 

FNNI says that they can not process the loan without a Utility Bill or a Bank Statement! 

FNNI says that they are declining the loan because they can not confirm my identity or my physical home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Recently I closed my checking account with U.S Bank. I have only kept my credit card open. Before closing my checking account, I had XXXX accounts open, a checking account, a savings account, a line of credit ( that I was able to use if I ever needed and whenever I had insufficient funds in my checking account ), and the credit card, which is still open. Last week, I received a letter from U.S bank saying that a transaction of {$87.00} had been debited from my closed checking account. I went to the nearest U.S Bank account and they refused to explain to me why this was happening. They just told me that if I did n't pay the amount that I would be sent to collection for this amount.

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 2018-04-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested validation/verification of debt in the amount of XXXX and XXXX that XXXX XXXX is saying I owe. These debts are not my debts. I have requested proof of these debts to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home XX/XX/XXXX, within the first year, I received a check from my mortgage for an overpayment from my escrow account. Every after I am sent a coupon advising me of an escrow shortage, I am given the option to either pay the full amount by a certain date, or have the amount disbursed into 12 month increments, increasing the amount of my monthly payments. Since XX/XX/XXXX or XX/XX/XXXX, I have paid the full amount to avoid the increase, but have noticed that my payments are increased anyway, coincidently, by the disbursement amount. Recently, I called an asked why my payments increased when I 've paid the full amount of the escrow shortage by coupon date, I was told that the increase to my payments is due to an increase in my insurance premium. I have XXXX, homeowners & flood ( which is an annual payment ), she could not say which premium, the amount of increase, nor the reason for the adjustment. This has been going on for several years. In XX/XX/XXXX, I was denied mortgage assistance for hardship, I did n't meet the requirements, during this time, I was still called for past due payments, the agent assisting me, was not attainable, the company does not offer loan modification services. I was very disappointed then, I love my home, but I really do n't see how I can make a lump sum payment for the escrow shortage, see the disbursed amount still included in my monthly payments, & a late fee (? ).

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