BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was given 2 prepaid cards valued at {$100.00} each from American Express Prepaid Gift Card,  Prepaid Card Management, XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX, with an expiration date of XX/XX/XXXX. I believe I received them in 2018. They contain a $ XXXXmonth service charge and so, when I went to use them, they had no value. That warning about the fees is in small type ( 6 points? ) and barely visible on the card. I have tried contacting American Express and they say that the $ XXXX month fee is legitimate and so, after 30 months, they cards have no value. Are there no consumer laws protecting us on this? The monthly-fee advisory is not prominent on the card and the card are valid until XX/XX/XXXX, they say. 

XXXX XXXX XXXX, AZ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
they will not let me file a dispute, after i called them they sent me a letter, saying they can not access my credit file, they put my name as XXXX XXXX XXXX sr, my name is XXXX a XXXX and no sr. they will not take my dispute,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contacted Synchrony every month since XXXX wanting to know why I was being charged a fee higher and in addition to the interest. They kept saying it was for debt protection. I have told them I never signed up for that and want it canceled along with a refund. Apparently I have been paying the fee for years and they still have not canceled it. Magically a payment I made last month never reached them. Please help.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: MO
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 disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported 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 2023-06-23
Company: EQUIFAX, INC.
State: TN
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:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : Capital XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a or my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
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:
XXXX XXXX is reporting data thats 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 explanation
Consumer complaint received 2021-02-11
Company: Paypal Holdings, Inc
State: PA
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:
For the last two months or more we have received 4 different emails from PayPal from people who bought things at different stores. In order to resolve these issues I have called the stores one being XXXX  and the Other XXXX XXXX XXXX XXXX They have told me the charges were real and that my email address was not on their accounts. I even spoke to the store in Florida and we live in XXXX  and they knew the lady and assured us that is was a real charge and she didn't have my email address on the account it was something only PayPal could correct. Upon talking to PayPal they are refusing to address the issues and saying it is spam and I tried very hard to explain that it wasn't it is real. Each email was also sent to their XXXX so they know about them and are refusing to look in to the problem and try to resolve it. Peoples names and email addresses are on these and in my opinion PayPal is providing personal information which is against the Hippa law. All I am trying to do is have this fixed and stopped. I spoke in detail to XXXX XXXX XXXX  and they agree with me that it is real and should be looked into by PAYPAL. When I call PayPal gives me a difficult time and we argue on the phone or they refuse to talk to me. I have done more than half of the work talking to the stores and spending my time to fix a problem that is PayPal and they are refusing to do their part by sweeping it under the rug calling it spam. I could have cancelled these orders but the stores asked me not to as they felt the customer knows nothing about my email address and it is a PayPal mistake which PayPal refuses to do anything about. I am just the customer who is being treated like dirt and I am trying to correct their mistakes while they sit and refuse to do anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/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 2020-12-04
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I demand to Delete those account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to the collection agency on XXXX the XXXX, 2020 asking for a Validation of the debt. Its been over 30 days and I have not received and Validation from them. I want this  removed from my credit report I have no knowledge of such debt.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported 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 2023-06-09
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/2020 my private loans with University Accounting Service were paid in full ( {$5000.00} ). Because I pay on time and did not want to miss any payments, I overpaid University Accounting Services ( now known as UASConnect ) by a total of {$400.00} ( {$100.00} on one loan and {$300.00} on the second remaining loan ).

I have called customer service 10x in the past 6 months as well as emailed several times with no resolution or refund issued to me for money owed. 

I have attached several supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried multiple times since XX/XX/XXXX to reach a real person at Equifax in order to lift a security freeze on my credit report. I was initially blocked from doing so when I tried online and prompted to call Equifax. It is simply impossible to reach them as each time you call you are prompted to enter information on accounts that are impossible to give the right answers to as you are blocked from your credit report in the first place and many of the questions sate from 10 or more years ago. I finally was able to get through to an agent and was told to fax identifying info to Equifax, which I did a week ago and was told it would take 5 to 7 days to lift the freeze and I would get letter by US mail when it happened. A week later and I may lose an apartment to rent because they still have not unlocked my credit report, and I still can not get through to a live person to find out what the delay is. I need them to call me directly to discuss this matter. 

It is totally unacceptable the manner in which they make it impossible to talk to a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We previously had XXXX XXXX & we were transferred to NewRez/Shellpoint Mortgage Company. They provided free telephone payments and issued a charge if you made online payments. I just received an email that they are now charging for the phone payments and charging {$1.00} for online, if acceptable in our state. I wanted to know if Illinois was allowing them to charge us {$1.00} for this online " service. '' Also, how can they charge money for paying your own mortgage? I called NewRez three times going through the prompts. All three times, when you choose to wait for a representative, then a short 10 second wait and you are disconnected. This is our mortgage company and there is no way to contact them? It is beyond ridiculous and I need them to accept calls. They are terrible with customer service and confirmations. They are not professional at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-150 ) days  late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my CHASE mortgage, with CHASE, in XXXX XXXX, I was told numerous times, that I would get an interest refund each year. The pre-requisite was that I have the payment paid directly from my checking account and could not be paid by check. I have been doing this ever since. In XXXX XXXX due to the serious medical condition of my wife I had to do elder care planning which resulted in asset transfers, XXXX XXXX XXXX being established. I thought the mortgage payment had to be made through the LLC account so I had the payment drawn from my XXXX XXXX account. All I did was switch from one CHASE checking account to another. In XXXX XXXX I asked what happened to the {$350.00} I was supposed to get in XXXX. In a long phone call to the CHASE mortgage department, made by the CHASE branch where I bank, they told me I had signed a form stating I had to pay from the checking account I had at that time. When I asked for a copy of that form they admitted they had no such form. They, then, claimed I was told the payment had to be by ACH. That's not true. They wanted to make sure I understood the payment had to come from the account directly and not by check, so they told me so numerous times. They never said it had to be paid by ACH-specifically, I have paid, and continue to pay my mortgage DIRECTLY from my account and not by check, CHASE is unfairly and unjustly withholding my annual rebate. I am an XXXX XXXX XXXX person dealing with more stress than is healthy without this unfair aggravation. I hope you will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: ERC
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:
I currently paying on collection account with ERC. When I called they accepted settlement amount {$350.00}. I've paid {$56.00} on XX/XX/2019. I've made arrangement for {$150.00} to be debited on XX/XX/2019 and on XX/XX/2019 final payment of {$150.00} to close out account. On XX/XX/2019 ERC placed collection on my credit file for {$530.00}. I want this deleted asap this collection were placed after I paid them and made other arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Riverwalk Financial Corporation
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:
This company Deville Asset Management is trying to collect {$10000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Deville Asset Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Deville Asset Management y. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Deville Asset Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My FICO score on XXXX is reporting a debt on my mortgage of : {$370000.00} On the other hand on the Wells Fargo website ( they are the administrators of my mortgage ) they report a debt of : {$350000.00}

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX XXXX authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 XXXX XXXX decides to report the same collection information on my Transunion report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for XXXX XXXX. I have provided documentation showing XXXX XXXX being deleted from my XXXX report as they could not validate this fraudulent debt ; proof showing this XXXX XXXX XXXX belongs to XXXX XXXX and documentation showing them adding the same exact collect on my Transunion report under " XXXX XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation