BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
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:
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you  fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX unverified account XXXX XXXX XXXX XXXX XXXX # XXXX unverified account Bankruptcy chapter XXXX-discharge # XXXX unverified account Please remove all none account holding inquiris.

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 2019-09-20
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
Second complain, I have a settlement offer from American express that I paid. 
They took the money, never send me anything in writing, and sent the balance to collection and report it on my credit report. 
When I reached out to American express and asked for the history of my payment to American express they keep saying that they can't give it to me. 
In the mean time I starting to get a new settlement offers from American express with out any explanation about the legality of the settlement. 
When I'm trying to call to the number the gave me, they refuse to give me any information that related to the history of my payment to American express or the legality of the settlement. 
I have tried to solve it for years and I'm seeking help, I can't get information and American express keep destroying my credit report. this is an abusing of power practice. 
Please help, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: FISERV INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The fee schedule dated XX/XX/XXXX on the dash board for my account states that the use of out of network atm and declines will result in a fee of XXXX. Since XX/XX/XXXX they have been charging me XXXX. I called XXXX XXXX  and inquired about the fee for out of network atms and was told it was XXXX when I said that I was being charged incorrectly they told me they were wrong. I then asked why did the fee schedule on my dashboard say the same thing. He could not answer. I spoke to his supervisor and was told that I must be looking at the wrong account. Only have 1. I then asked for his supervisor who would not listen asked for her manager and she put me back in the queue. All of this took place on 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 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX 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 account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may Make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-04-27
Company: EQUIFAX, INC.
State: OH
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:
Contacted bureau to investigate incorrect accounts. The company mentioned " verified as accurate '' but its not accurate. Not properly investigated. Accounts should not be reported no obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: BYL Collection Services
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Conventional Mortgage Loan with Bank of America, N.A. via XXXX ( ID XXXX ) on XX/XX/2019. Since that date, BOA has been extremely negligent in the processing of my application, which has resulted in me being under contract with a seller on a property for over three months. This negligence began with errors on the interest rate included on my initial application, which resulted in me having to complete multiple revisions to my application, ultimately delaying the process and causing me to request multiple extensions on the contract with the seller. 
Most recently, BOA was negligent in completing the appraisal of the property as ordered. My file cleared Rehab Escrow on XX/XX/2019, and a Subject To appraisal was ordered on XX/XX/2019. On XX/XX/2019, BOA uploaded an incorrect Subject To appraisal to my file which did not include the scope of work provided by XXXX between XX/XX/2019 and XX/XX/2019. Upon receiving the incorrect appraisal, the matter was escalated with BOA on XX/XX/2019. Since then, there have been repeated requests for updates ; however, no updates have been provided, no notes have been added to my file, and the corrected appraisal has not been completed and/or uploaded to my file. This has caused me to incur thousands of dollars in fees from the seller, as well as thousands of dollars in legal fees. BOA has also repeatedly accessed my credit report, as a condition of ordering the appraisals, which has negatively impacted my credit report and score. These repeated credit inquiries also caused BOA to report conditions on my loan application, which required me to submit to them a letter of explanation stating that there were repeated pulls, despite the pulls being initiated by them, again delaying the entire process. 
I have made multiple attempts to contact BOA to resolve this ordeal, to no avail. No one that I have spoken to at BOA was able to access and/or review my file. This whole process has been extremely unprofessional and unacceptable. It leads me to question how BOA is able to run a business and/or allowed to provide mortgages to XXXX consumers when they have failed me at so many steps through this process.

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 2019-09-13
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft

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 2020-02-12
Company: CITIBANK, N.A.
State: TX
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:
XX/XX/XXXX my card ending in XXXX was stolen. I reported it stolen on XX/XX/XXXX and the card was closed. A new card was issued and my privacy preferences were set to not allow merchants to be given the new card number and no transactions on the card ending in XXXX were to be transferred to the new card. This should never have been done as it violated my privacy preferences elected and the charge was made on a card which was reported stolen and closed. 
Despite these precautions being taken on XX/XX/XXXX XXXX XXXX XXXX XXXX processed a charge for {$1700.00} on card XXXX which had been reported stolen. The card information was manually entered according to CitiBank. Upon notifying Citi Fraud Operations of this unauthorized transaction, Fraud stated it was a billing dispute and not a fraudulent transaction because I had previously done business with the merchant. This seemed extremely wrong, however they transferred me to billing disputes. Billing Disputes opened a dispute case and issued a temporary credit. 
on XX/XX/XXXX Citi reversed the temporary credit stating it needed to go to billing disputes and forwarded the case to security operations. Upon speaking with security operations on XX/XX/XXXX they stated the case was a billing dispute and transferred me back to billing disputes. Billing Disputes transferred me back to Security Operations. This went on for close to 2 hours. Finally I requested to speak to a manager, not a supervisor. This request was denied and I was told in order to have this and the any disputes looked at I would need to write in to the office of the president, which I had already written into. 

Case XXXX Case # XXXX was previously filed after my personal financial information was compromised by a local hotel and reservations under my rewards account were made without my knowledge or approval. Subsequently charges were made on XX/XX/XXXX and XX/XX/XXXX for hotels and XXXX were reported fraudulent as well. Citi stated the charges were valid because I had done business with the merchants before. This was Citi 's decision despite being very aware I was not even in XXXX, TX ( the city where the charges took place ) as I was already traveling for the holidays and having issues paying for my hotels in other cities as a result of the fraud charges and card being closed. My new card was even sent to my father 's home in XXXX XXXX, TX. 

I have written in, supplied complaints filed with the justice department, and Texas attorney general, as well as replied to all letters from Citi well within the time allotted with all the information requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

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 2020-02-12
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice dated XX/XX/2020 that I owed a debt over several accounts in the amount of {$10000.00}. Account # XXXX I contacted TSI [ TSI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ]. I registered that i was disputing this debt. 

I contacted my insurance company ( XXXX ) that was my insurance company at the time of the alleged debts. I spoke with a representative by the name of XXXX ( These communications took place between XX/XX/20 and XX/XX/20, which were recorded. XXXX can produce all, and i give them the right to do so ). 

She looked into my account between the alleged dates of service ( XX/XX/XXXX to XX/XX/XXXX ) and found no record of any claims being filed. There is one claim in the amount of XXXX that may be a legitimate claim. 

She contacted TSI and spoke with XXXX in their insurance department. After 5 attempts she has received no return calls. 

I registered an online account, and found that there is a disparity between the written statement, and what is online. The information they have from the originators has either an incorrect address, or no address. The largest claim of XXXX has no address listed. No entity has been able to produce a record or details of this claim. 

My agent ( XXXX ) has contacted TSI in good faith to resolve the dispute, as the debt is not owed. They have not responded in a timely fashion. This debt should be nulled, it is not my debt, and I was not billed in a timely manner. My insurance company has no record of any claims filed in this timeframe, and it is far past the 180 days required for a health insurance provider to bill them. 

This is a billing error by one or several health care organizations and is not a debt i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I recently began the process of refinancing my home in order to pay off credit card debt accrued during training/schooling. I owed nothing on my home and since rates are low I thought it a good time. I was able to easily obtain all needed information from all credit card companies except for PayPal. I could not access my account number for PayPal credit via secure portals on the website nor via the app. All other companies allow access to account information via secure portals. I contacted PayPal and they said the only way I could get information was via mail. It has been 8 days and still no information. I contacted them initially on XX/XX/2019 and again XX/XX/2019. I attempted to contact them XX/XX/2019 but could not get through via phone. They offer live chat but I was refused help and told to call and you can only send an email if it falls under very specific circumstances. I did some research and learned PayPal credit was sold to Synchrony Bank within the last 6-12 months. I was not notified of this. I never received a credit card and did not even realize there was a difference between PayPal and PayPal credit. Because of this holdup and PayPals inability to provide me with information that IS MINE my loan may not go through. I made the mistake of telling PayPal I needed the information to pay off the balance of the account and that my intention was to close the PayPal account. How am I able to make a payment every month and to make purchases without ever having an account number provided to me?

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 2020-02-12
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My repayment terms are wrong. Based on my loan amount, my loans should qualify for 30-year repayment. I've called and e-mailed several times and can't reach them. 

*I called on XX/XX/XXXX on my lunch break and was on the phone for an hour. The rep couldn't help me and said her computer was down. She transferred me and I was eventually hung up on. Full records and call logs available. 

*I then called back at XXXX XXXX ( XX/XX/XXXX ) and was on hold for 31 minutes and could never get through. Full records and call logs available. 

*I sent an e-mail message that same day at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

*I sent ANOTHER e-mail message on XX/XX/XXXX at XXXX XXXX to try to get this issue corrected. It was never addressed or corrected and I received no response. Full records and call logs available. 

Could someone please address my question so I can make the CORRECT payments. The current payments are too high. My repayment terms should be 30 years. You are just sitting on your hands doing nothing and all you want to do is try to ruin my credit score instead of facilitate a successful repayment. Full records and call logs available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Lighthouse Finance Solutions LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Told to stop paying creditors as Lighthouse Finance would manage accounts and seek settlement. Wasn't told I must default on accounts! 
Complaint Telemarketer / Representative should have stated you must become delinquent and default on accounts for settlement process to take place. 
Very misleading. Requested to cancel ...

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