BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: Bread Financial 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: Information belongs to someone else

Complaint:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME, THEY STOPPED MAKING PAYMENTS ON THIS ACCOUNT WHEN I CONTACTED THE POLICE DEPARTMENT. 

COMENITY BANK/XXXX OPENED XX/XX/17 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Yesterday I tried to access my American Express Serve Account and could not gain access to my account info until I updated my old app to a new American Express Serve App with a different icon. 

My account was tied up all day. I prefer to keep my Main Account with a low balance to minimize unauthorized charges to my account.

I was needing to transfer funds in order to make plans for the day. I was unable to access my account all day and on the two occasions I could login the app just buffered and wouldn't allow a money transfer. I installed, Uninstalled and reinstalled this faulty App, nothing worked.

I called The Main Customer Service Dpt and also tried another 800 # that Dpt had shared with me the last time I had a serious problem with my account ... I couldn't reach a Rep at either number. I tried waiting in queue with both numbers and despite waiting for awhile ... I never could reach an Agent. Before contacting Amex I did reach out to Tech Support at XXXX to make sure there wasn't an issue with my phone. XXXX 's Tech Support assured me my phone was functioning properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
signed up for promotion, deposited amount required within time limit through depositing checks, and they didn't explain to me I could ACH or how to even do that, when I called in multiple times for the promotion credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: SC
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: Problem getting your free annual credit report

Complaint:
I have not been able to see my Equifax Credit report since XX/XX/2017. I have called in several times I have case numbers where customer support promises to fix this. I have no problems with other bureaus. I only can access the dispute part of MY EQUIFAX product. When I go there I see 4 XXXX XXXX  account. I reported these duplicates and called customer support who told me they saw the duplicate only to later see they added another in the dispute area ( this is all I can see ). My credit score is unknown to me and does not show up on any sites or product that do show my other bureaus credit scores with no issues. I have not seen my score since XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I personally went into the office of the XXXX XXXX XXXX XXXX XXXXXXXX, and was told that the request to reconnect services at my old address did not indeed come from my email and therefore the balance was not owed. 

However, a few months later this account appeared on my credit report, with no written notice that I even owed anything. The deposit I previously had, had covered the bill in full up to the date of termination that I occupied the residence. Please see the attached eviction, as confirmation that I no longer occupied the premises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 explanation
Consumer complaint received 2018-04-10
Company: MORTGAGE SOLUTIONS OF COLORADO
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage settlement was on XX/XX/18. 
Pruchase amount {$170000.00} Actions by Consumer ( me ) : Reached out the VA Loan HQ,  Lender, Appraiser, Real Estate agents ( buyer+seller ) but received no useful help. 

Parties Involved Lender : Mortgage Solutions of Colorado, XX/XX/XXXX DBA ( Loan # XXXX ) Appraiser : XXXX XXXX XXXX XXXX, XXXX Seller Broker : XXXX XX/XX/XXXX XXXX Seller : XXXX XXXX XXXX XXXX XXXX Broker : XXXX XXXX XXXX The appraisal was done poorly and the valuation came back the same value even after the XXXX Intiative. Many fees were incuured and the repairs that was ordered by the appraiser were done poorly and the damages are still here today ( attached report and images ). The repairs was ordered to " Remove debris, repair fencing and properly landscape rear yard '' but now I have to deal with broken fences and hazardous objects int he ground. 
Final Version Closing Disclosure was also provided only 1 day to closing when 3 days is the minimum. 

Additional complains to other local and federal regulators will be filed. Please advise other agency I may file with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I went to an ATM at a XXXX store and made a withdrawal of {$200.00} from my checking account. However, the machine ran out of money and only disbursed {$20.00}. I tried again and this time the machine said it could not disburse any funds. When I checked my account by phone I saw that I had been debited {$200.00}. I called my bank, USAA and filed a complaint. 

They said it would take 5-8 business days to refund my money. This is unacceptable. What if that had been my last {$200.00} until payday. 

When I called a second time on XX/XX/XXXX, I was told the error had still not been assigned to anyone and I would get a provisional refund on the day it was assigned. I was told there are a lot of these errors and they have a whole department dedicated to tracking them down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made two purchases through XXXX for home goods and furnishings. I was charged for these in XX/XX/2018 ( although the good were not delivered until sometime after that. ). 
When the good were delivered they were defective. Because they were defective and the company refused to taken them back ( claiming the return period had ended ) and had refused to give a credit, I notified the issuer of the Credit Card properly to make a claim under the special rule for credit card purchases. This claim ( a copy of which is attached ) was sent to the address the company requested by mail. The letter dated XX/XX/2018 read as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Rhode Island XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX RE : XXXX Account Number XXXX I am writing to notify you of two claims under the special rule for credit card purchases. The reason for these claims is that the merchandise is defectiveit does not meet the implied warranties of fitness and suitability. Further there are material defects in the merchandise supplied by XXXX to fulfill these orders. ( Pictures are available should you require them. ) Therefore I seek an immediate and permanent credit of : {$220.00} for order number XXXX charged on XX/XX/2018 {$1500.00} for order number XXXX charged on XX/XX/2018 I have tried to work with XXXX to resolve these problems without success. Therefore, I now must rely on my rights under the special rule for credit card purchases and ask that these charges of {$220.00} and {$1500.00} be refunded to my account immediately. 
Kind regards, /s/ XXXX XXXX Subsequently pictures of the defective and damaged items were provided during the " investigation period. '' The credit card company violated federal law by recharging me for these defective good repeatedly and claiming that the " return period had ended '' and therefore there was no remedy available. I have shared all of this information with the House of Representatives Government  Oversight Committee which is apparently investigating why CFPB is no longer doing its duty under the law. 

The defective and damaged merchandise still remains available for the merchant to come and get or inspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I lost my job and receive unemployment insurance. I am also part of the Keep your home California program. My loan care the mortgage service company told me that I was enrolled into a new program without my knowledge and as part of this program I would NOT be notified if my mortgage payment was late. I received a credit notification that my credit score went down significantly and when I inquired as to the reason I found out that My loan care placed a 30 day late on my mortgage. I was never once notified about my mortgage being late. My loan care stated that as part of this new program that I was enrolled in ( with out my knowledge ) that i would no longer receive notices if my loan was late. They would only ding your credit and not tell you about it at all. I asked to speak to a manager and still have not received a phone call back. As soon as I found out that my loan was late I promptly paid the payment but cant get them to remove the 30 day late notice from my credit 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 explanation
Consumer complaint received 2018-04-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We received a form XXXX from Ocwen for the debt cancellation of {$150000.00} for 2017 Tax year. Debt was cancelled as of XX/XX/2017 per form XXXX. Per the loan modification agreement and letter from Ocwen 's Office of the Consumer Ombudsman, the principal reduction of {$150000.00} would occur over a 3 year period. The deferred principal reduction was to be reduced by {$50000.00} over a 3 year period. The XX/XX/2017 mortgage account statement shows the deferred principal balance has been reduced from {$150000.00} to {$120000.00}, difference between the two amounts is the agreement principal reduction amount of {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: GA
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:
I filed a complaint with XXXX XXXX AND EQUIFAX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX XXXX ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And XXXX AND EQUIFAX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX I placed an online order with the company XXXX XXXX XXXX XXXX using my American Express Credit Card. This order was " supposedly '' delivered to me by merchant. When contacted XXXX to dispute transaction they never respond. Only once was I contacted about this on an email that stated the situation was being escalated, never heard from them again. My credit card company received the dispute on the charge directly by me, and after a month they now decided to side with this merchant and their excuse stating the goods were delivered to me even though, me nor anyone in my household ever sign and acknowledged the arrival or delivery of purchase. There is a man office located at the main entrance of my apartment complex, my apartment complex is also a gated community. If the delivery driver saw the opportunity to skip the main office were this packages should be delivered to, and thought was easier to just enter with no code or authorization to my property was the wrong call. Left a package stranded on some random door, cant even confirm it was my apartment and now don't want to refund my money or at least offer to send merchandise I paid for. I already provided the main office contact info to both the credit company and the merchant to confirm procedure for package deliveries and to prove neither I or management received this goods still no resolution. I don't have my money, no one seems to care about it, at the end of the day is just {$200.00} for them ... pocket change for these corporations run by billionaires whom don't care about us the nave population.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-04-02
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1st telephone contact concerning my not owing this debtXXXX XXXX CCC USA ( Credit Collection Services ) acknowledged my response and ceased.

Noticed XX/XX/2021 this paid debt turned up on my XXXX credit report. I disputed the information, it was investigated and removed. XX/XX/2021, the same paid debt was now placed on my XXXX Credit report and I received a letter from CCC USA AND PHONE CALLS BEGAN OFFERING THAT I WAS BEING OFFERED A 50 % DISCOUNT OPPORTUNITY TO RESOLVE THE ACCOUNT. 
Needless to say I was and am still livid. 
Contacted a very nice representative Ms XXXX. I asked who and when did they buy this false information and was told that they are the same company that had the account originally and it was they who had removed the debt from my TransUnion Credit Report and they then put the debt on my Experian. I said that moving a known paid debt to another reporting company was illegal. She asked if I had proof of payment and I told her I had just had XXXX XXXXXXXX and would need a little while before I could get upstairs or get my daughter who works from home to find the papers for me. She gave me two days and a website. 
I agreed to try and get the papers. 
On Thursday, XX/XX/XXXX, today ; I tried to enter the forms to send my proof. 
Surprise! nothing listed on the site works properly EXCEPT TO ADD YOUR CREDIT INFORMATION TO PAY!! You can even scan the credit card but the system will not allow you to enter the date you claim you made your payment, photos of documents will not upload in any form. Everything is rejected as having a virus. 
This is scumming the bottom at its best! 
I made photos of every step trying to upload documentation and I recorded my screen. They know there are disabled people and all of us dont have copiers and fax machines in the house and if we did we would have to get to the mailbox just to prove for the upteenth time what they already know THE BILL WAS PAID. 
STOP THE HARASSMENT!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had originally disputed this debt on XX/XX/2018 directly with XXXX after sending two disputes to the credit bureaus. I went on the CFPB 's website and found a sample letter to dispute this account and request what was needed to dispute & validate the debt. 

I received a very vague response on XX/XX/2018 that did not address or validate everything that I requested. 

Even on the FTC website it states the following : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless  the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This was clearly ignored and could be argued that it is a violation of the FCRA.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
When I took a payoll advance with this company, they arranged the payment date as part of the agreement. They deducted a payment from my checking account on the wrong date ( outside the agreement ) which caused me to incur overdraft/returned item fees. I contacted the company and they asked that I send proof of my bank statement showing the debit they made, and the overdraft and NSF fees. I faxed a copy of my statement as agreed. They reviewed my info admitted the withdrawl was made from my account on the wrong date due to an error on their part but they were not willing to cover my overdraft/return item fees. They specifically said it was going to be a " wash '' which I understood as satisfying the payment. I was charged fees from my crediters for bouncing checks in additional to my bank fees. 

This loan originated over 7 years ago from a bank account that I had to close per my bank 's request to ensure they would n't attempt to debit my account in the future. 2 days ago I was notified about my credit report for a collection that was added to my credit report. I called the company but all they can tell me is that they took over the collection and I must pay them half. I tried to explain my bank will not issue a proof/statement after 7 years. They destroy all checks and statements. But they still insisited in proving my case or they would not remove it from my credit 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 explanation