BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was notified when I called back on XX/XX/2019 that the case was closed and the issue was not resolved within the 10 business days as stated per the communication with the company and the information which was submitted and the cardholders terms and conditions of fraud. I am being held liable for the fraud. which the communication of the American Serve Card is Deceptive with marketing practices and state law in Nevada. After going through my statement this is why Ms. XXXX states the charges were more than the {$910.00} after locating the first date of the charges {$1400.00} correct amount and submitting the correct paper work the first time when asked by the dispute department declaration of fraud form on XX/XX/2019 - XX/XX/2019 with closed card account number XXXX. The company stated to reopen the claim and resend the information, I also asked was the delay or the claim closed because of the new card and was told no and the employee XXXX told me the general statement that the claim was denied and when I asked her to review the account information once more and preview the same claim information with the credits she said she could notice how the claim remained of the claims were denied when the start of the claims were approved without error no addition notes, accept the claim was valid for fraud for {$35.00} from the same merchant out of {$1400.00}. The company purposefully cherry picked the claims to approve even though I sent evidence showing these charges were not mine and I did not authorize the charges {$1300.00} remaining. XX/XX/2019 XXXX. The scam merchant sent me an email asking for a copy of my credit card. I did not send it. 


On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX. I am also a vidicm of identity theft as well from XXXX and XXXX   data breaches and some other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act, XXXXection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XXXX  - The inquiry was not authorized 4. XXXX XXXX - Identity Theft 5. XXXX XXXX  XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information. 


* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: TN
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 have disputed this account that appears on my XXXX and Equifax credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another. 

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This probably won't do any good but I am so frustrated with Bank of Texas. 
XX/XX/2020 - Opened checking accounts with Bank of Texas for 5 XXXX  We did our best to transition from XXXX XXXX to BOT in the middle of a pandemic. 
XX/XX/2020 - Scheduled an online ACH for the comptroller to pull out taxes of about {$7500.00} on XX/XX/2020 XX/XX/2020 - Made a deposit with a XXXX XXXX Cashiers check {$8900.00} BOT gives two receipts - the deposit receipt and then a second receipt showing if funds are delayed. ( did not realize this as a new customer ) I looked back at my records and did not find the second receipt. So I based my actions on the online account and the first deposit slip. 
XX/XX/2020 - Funds are not withdrawn from the account XX/XX/2020 - I call the Comptroller inquiring and they said the bank rejected the transactions and I had {$480.00} of fees and penalties. 
XX/XX/2020 - I Asked the bank why they rejected the transaction and they said they gave me a delayed receipt and they hold new customer deposits for 7 days. 
I had no idea they would hold a XXXX XXXX cashiers check for that long. I have been affected by XXXX and I am doing the best I can with extremely limited banking options and resources to get money moved around. Cash was not an option from XXXX XXXX and I think holding a cashier 's check for 7 days is extremely unreasonable. Especially if it shows available on the BOT online portal. 
My complaint is this - My online account showed the funds were available. BOT said they gave me the receipt and a copy of that delayed receipt is attached. So nothing will probably happened to them but I think during a pandemic of this magnitude to not work with people on trying to help them within reason take care of payments and move cashier checks to be available sooner is really unAmerican. We are clearly not all in this together because BOT said they would not help me with any fees and if I need to find another bank I need to do that. I do not think they should allow their online accounts show one thing and clients have to rely on a second piece of paper to know they don't actually have access to their money that came in the form of a cashiers check for 7 days. Our XXXX  is already in XXXX state and having fees like this for a mistake that was beyond my understanding is another devastating blow to our XXXX XXXX  that probably won't make it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2019-10-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a previous complaint against the company XXXX XXXX XXXX. The complaint # is XXXX. They responded saying they were going to stop the collection actions and report to the credit bureaus to remove the debt. They have not done that and not only have they not done that, they have sold the fraudulent debt to another debt collection company whom is now also reporting this debt to the credit bureaus. The new company is " Convergent Outsourcing ''.

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 2021-07-10
Company: EQUIFAX, INC.
State: SC
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:
My wallet was mugged and my wallet was stolen. Someone has been using my information to open accounts in my name that I have no clue about. I am trying to keep track of all the accounts but I keep seeing new ones appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

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 2019-08-17
Company: Commonwealth Financial Systems, Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection agency listed a debt on my credit report. In early XX/XX/2019I asked for information in writing regarding this debt. It has been six weeks so far and I have not heard from them. I want this debt taken off of my credit report but I need to know what it is and if it's even true but there's nothing I can do if nobody will contact me. This should not be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX my mortgage was sold to ShellPoint Mortgage. My mortgage payment was XXXX and in XXXX  I receive a letter that my mortgage would increase to XXXX and then I receive a letter that stated as of XX/XX/XXXX that my mortgage would increase to XXXX On XX/XX/XXXX I called and spoke to Rep. XXXX she said she did not have a ID number and could not give me her last name and she begin to tell me that my mortgage increase do to my insurance. We called XXXX XXXX and they faxed the Evidence of Insurance form to ShellPoint mortgage the Rep said she receive and I should be getting a letter in the mail informing of the correction, well as of XX/XX/XXXX it has not gotten fix. I have called and talk to so many people and they keep telling me that they are fixing the matter. I am so afraid about this they have poor reviews I don't want anything to happen to my mortgage, I just want this matter fix and I want to buy my mortgage. This company is very unprofessional. No returned email and no call backs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im sending this letter again to Experian to remove immediately the XXXX Account XXXX From my credit report I sent more than 50 letters to Experian to remove this account in which XXXX XXXX committed fraud to me as a customer and over 50 times Experian ignored my legal dispute By mail and by the consumer financial protection bureau I only sent 1 dispute to XXXX and XXXX And immediately both remove this account right away based on the proves I sent from the Federal Trade Commission Except Experian This account is affecting me negatively and keeping me away from renting an apartment No matter. How many proves I send to Experian They keep going in favor of the powerful and the rich I called more than 100 times And many of those times when I requested it about the dispute The representatives of Experian hang off the call or disconnect the phone call This situation got me in depressed state Which I make Experian responsible for my outgoing situation and my XXXX Seen how Experian favor XXXX XXXX after they committed fraud just because they are a powerful corporation and going against of the real victim of this big fraud and illegal practices I request this account XXXX account be removed it The problem of been poor is that corporation like XXXX are protected by Experian I sent plenty of documents with proof of the fraud and illegal activities committed by XXXX XXXX but even like that Experian favor the corrupt XXXX XXXX dealership The fraud is visible in the documents XXXX and XXXX accepted that was a fraud and remove this account from my credit report But I dont understand why Experian keep In favor of this corrupts of XXXX XXXX ? 
And keep saying we dont understand your dispute XXXX XXXX I make Experian Responsible for my deep XXXX related with the XXXX account I will tell all my family members who to blame for my problem

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 2018-11-21
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed this account on all three credit bureaus and asked for validation ... .not address verification. Asked for chain of title if account was purchased from another country. Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased. 

In attachment labeled " Diversified Consultants 2nd Response '' they sent a letter to my father XXXX XXXX. Not sure why they would involve him in this matter. But they are doing any and everything to NOT VALIDATE this debt and show where I owe Diversified consultants and NOT XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper AKA IS AT again. After going through several rounds about Escrow. They finally decided to follow the law and do an escrow analysis. It was discovered that I have an escrow surplus. That was recorded on XX/XX/XXXX, I called on XX/XX/XXXX to make an inquiry if the check was actually sent out since it was nearing three weeks. I mentioned this the representative and they offered me a stop payment and reissue of check. I told her please do not that. I then asked her to speak to an Escrow specialist because I had a question. She transferred me I waited for over 45 minutes and no one picked up so I hung up. Later that evening I noticed I had a voice mail. It was a representative calling me to tell me that they placed a stop payment on my check. I called the next day when they opened and found out that this was done and on the same day I received the check, I asked if they could reverse the reversal since it was less than 24 hours. They told me no because a reissue was in progress. I decided to call back to confirm this so the next representative I spoke to said that the check was okay that I had. I asked her to confirm the check that I had was okay so I read the check number to her. She repeated the check number and said it was okay to cash. So I deposited the check into my account only to find out that it was reversed by my bank and my account is severely negative and will incur fees. I called today to only be disrespected by rude representatives and still no clue when I am going to receive this surplus money. 

Please CFPB will you investigate this company. I am a person who has blessed enough to pay their mortgage on time every month I can't even imagine how they are treating people that are not so blessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a credit card with XXXX  XXXX XXXX  on XX/XX/2019 with a {$300.00} credit limit, I closed the account 4 months later on XX/XX/2019 I have proof I closed this account from XXXX  XXXX XXXX. For a year and a half they have charged late fees and other fraudulent charges to this account totaling XXXX $ and it has now popped up as a derogatory mark on my credit from midland credit XXXX. I have never received a letter or phone call from XXXX  XXXX stating I owe money other than the account was finalized on closing. I have contacted midland credit XXXX  and they have cussed me out telling me lets make this easy on you, you owe us XXXX money I have sent proof over to XXXX XXXX XXXX  XXXX  XXXX  including midland and can not get this disputed due to midland stating all is accurate and disregarding the proof I have sent over. This has now impacted my credit score and any other credit cards/loans I may need in the future. I have followed all the steps and am now at a loss on what to do. Midland will not help and when I call XXXX XXXX  they say if another creditor is on the case they have nothing they can do. I closed the account in good standing.

Company response to consumer: Closed with explanation