BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX  I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX  stating the dispute was completed. I called Equifax and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or XXXX  to verify their false claim. XXXX  is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with Equifax and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX am on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX  with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with XXXX  to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with Transunion when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.

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 2019-08-15
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a complete financial package on XX/XX/19. Approx. 30 days later we reached out due to another request for a paystub and were told that the original submission is acceptable and that we would receive and answer in 30 days. On XX/XX/19 another letter was mailed asking for paystub info. Called and was informed that paystubs were not legible. Mortgage now almost 90 dpd. Request in their hands since XX/XX/19. I am filing a complaint with the State Attorney General’s Office as well. XXXX XXXX/PHH are negligent in their handling of this account/modification process and need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I spent {$110.00} at XXXX on XX/XX/2023 on my Cash App card. Money was in the account and I had gotten a direct deposit from my job as well. I had been using the card all through the month. I took a Cash App advance in XXXX. I did not get to use most of it because Cash App took the money. I inquired as to why and was told that they did not pay XXXX from the XX/XX/XXXX transaction. I was not notified of any discrepancy and per my records that transaction had been paid. I called XXXX they had not put forth any extra transaction and stated that XX/XX/XXXX transaction for the amount {$110.00} only. I sent Cash App a service request and was told that the transaction had not been paid so they took it from my balance. This is untrue. They are charging me for the balance and {$1.00} each week in interest which is usury as Texas has a 10 % limit per annum. I paid {$45.00} on the balance today but I do nog owe them the money. I need assistance with them being held accountable for deception. The statement for XXXX doesnt show the Amounts spent for each transaction so included a screen shot of a text notification from Cash App that I receive per each transaction. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from Transunion, XXXX, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,

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 2023-09-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had about {$280.00} in my TD Convenience Checking Account, which I had opened since XXXX. I have not used it since but kept the minimum to leave the account open and received monthly notifications of account statements. However, on XX/XX/XXXX, it looks like I have stopped receiving statements. I went to log into my account and saw that they had closed my account without notifying me nor getting in touch with me on how I can receive the money I still had in my account. 

I called Customer Support and they have been no help in providing me information. They just say that I'm not a customer there and are clueless on what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXXl XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX fails to provide evidence and verification of debt they are attempting to collect. 

XXXX XXXX PIN XXXX Amount {$1700.00} for XXXX XXXX XXXX Account # XXXX Date of Service : XX/XX/XXXX Asked for evidence of debt ( copy of bill, doctor name, etc ) on XX/XX/XXXX and again on XX/XX/XXXX. 

They continue to report on all three credit bureaus that I am delinquent. 

Consumer 's Desired Resolution : Proof of Debt, copy of billing or invoice for service on XX/XX/XXXX, doctor 's name, patient name. I need evidence that this is legitimate 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 2023-11-24
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX XXXX just sold my loan to Mr. Cooper. I wasn't able to even ACCESS anything online for a long time because they had a data breach. I had paid {$1400.00}, and my credit union showed that Mr. Cooper had cashed the check, but when I called, the representative said I had not yet paid. I told them I HAD and they cited the system breach and said hopefully my funds would show up. According to Mr Cooper online, I would FINALLY have an online statement after the XXXX, so I checked after then but there is only a statement from the XXXX that says I owe them money. Their system shows I paid now, but the funds are unapplied. I've tried several times to find out what my current mortgage balance is, and the estimate after paying {$1400.00}, is having {$800.00} taken off what I currently owe. It has been nearly a DAILY struggle to get ANY information from them, and all I've gotten is excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My account with American Express is XXXX for XXXX, and the first payment due date is XX/XX/2023 for {$720.00}. 

On XX/XX/2023, I paid {$800.00} from my XXXX bank account. Please see the attachment ( It shows the amount of {$800.00}, payment sent to account XXXX, expected date delivery XX/XX/2023, biller name, payee name, payee account number, payment amount, File transaction date, payment effective date, trace number, and transaction ID ). 

On XX/XX/2023, American Express contacted me regarding needing to receive my payment on the due date. I then provided the above information thrice from my XXXX bank account ( XXXX ). 

I talked to the American Express customer service supervisor ( XXXX ) on the phone four ( 4 ) times and uploaded the above copy to the American Express account each time ( CI XXXX & CI XXXX ). 

As of today, XX/XX/2023, American Express still needs to provide me with an answer about what happened to the {$800.00} payment that I made on XX/XX/2023. 

I am concerned about the ability of the investigation department from the American Express Loan Department. I need an answer from American Express to let me know where my payment of {$800.00} is and why it was not credited to my loan account. 

If there is no response from American Express, I will move forward to submit it to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX I received a letter from Barclays Bank saying that my XXXXXXXX XXXX XXXX XXXXXXXX XXXX  was approved. I never applied for that card. I called their Customer Service and was told that there was no account with them under my name. I never received a credit card from them. XX/XX/XXXX I received a bill that the credit card for which they had no record and I never received was over due. NO initial bill, just a bill that it was over due. I contacted their fraud team twice. I disputed it with all three credit bureaus twice. I filed a police report. They closed the account but continued to send letters saying that I charged the card. I hired an attorney who sent them a letter in my behalf. In the middle of this I received an alert from one of the credit bureaus that they had filed a judgement. I spent 3 hours on the phone calling multiple court houses trying to get the details. I filed a complaint with your organization. On XX/XX/XXXX I received a letter from them saying that they have investigated and I or someone to whom I gave authorization charged that credit card. My family lives XXXX miles away. My friends have their own credit cards and don't use mine. I only live with pets to whom I have never given authorization to use my credit cards besides not being able to use a computer, get a ride to a store and don't have thumbs. On XX/XX/XXXX I received a letter saying that they will stop contacting me but may send " required correspondence or information concerning my XXXXXXXX XXXX XXXX XXXX XXXX ''. I don't have the account according to their own Customer Service Department and even if I did, they closed it several months ago. I have been fighting this for 8 months. I want no more correspondence from them about anything. If I receive any further contact from them, I will immediately forward it to my attorney and file yet another complaint for the Consumer Financial Consumer Protection Bureau

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 2023-11-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I called a my loan that was sold to Westlake financial. I was told they didnt have my contact bug I owe XXXX on a XXXX XXXX been paying {$480.00} since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: MS
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT ( S ).

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 2020-10-31
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notice that I owed XXXX XXXX, a debt collections agency, {$350.00} for a bill I never paid with XXXX XXXX. I received a phone from said collections agency call a few days later saying that it is a disconnection fee I never paid to XXXX. I don't recall getting such bill in 2018 because we never had cable from XXXX. This is the third time XXXX XXXX has sent my bill to a collections agency in the last two years. I have disputed the collections to XXXX  each of the other two times, but they keep billing me and sending it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent capital services is reporting inaccurate balance also inaccurate name because my name is XXXX XXXX XXXX on my credit bureau ( XXXX ) please look at the supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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:
Disputing XXXXXXXX XXXX XXXX. Did not receive any mail notifying of any account. Tried contacting company by phone only get recording. Not My 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 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have credit issues and have made pmts on it and there useing third partys to keep the money I already payed by not receiving it back yet .at some point I signed these statements and didnt know this was the way it was .including XXXX XXXX , XXXX XXXX  XXXX  XXXX college XXXX and capital one credit card services 10 yrs now ongoing and there are a bunch of new things dont know who or what they are .Flagler police dot .and XXXX county fines and court cost driver lisence bureau .XXXX  XXXX  and driver lisence in XXXX  over 10 years XXXX XXXX XXXX county XXXX XXXX XXXX old charges .XXXX count police dot old fines and tickets and pictures on XXXX where I was robbed my Mugg shots on there and refuse to remove them .took them down and put them right back XXXX XXXX XXXX county stolen atm card they used and have charges for .XXXX ATM XXXX XXXX for XXXX hospital and XXXX  hospital XXXX XXXX XXXX XXXX XXXX division emergency services when I had insurance XXXX  court house XXXX XXXX charges for money and no services from any of them even when I got the charges .XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: CA
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:
Complaint : XXXX In XX/XX/2022, I filed a complaint with CFPB. As I previously indicated, I subsequently received credit report from XXXX and XXXX. On XX/XX/XXXX, I submitted feedback indicating I never received a credit report from Experian. CFPB later closed the complaint regardless of the fact that it was never successfully resolved. Is it the policy of CFPB to close complaints regardless of whether they're resolved?

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 2018-04-07
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
since XX/XX/XXXX I have been trying to resolve an account on my credit report from National credit systems. they claim I owe XXXX XXXX XXXX. {$200.00} no clue what this is even for?? I never received any notice from anyone. I asked for explanation.but was never given a reason. just sent another bill. I want proof of how and why XXXX  is owed anything. I moved from there in XX/XX/XXXX but it shows XX/XX/XXXX. called XXXX but was informed to talk to the collection agency. National Credit has verified this account on all three credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. I sent two letters requesting info and still nothing. I receive tons of phone calls daily with recorded message like a robot saying to call them back personal business matter. I feel this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I began disputing these items with the Credit Bureaus, and more specifically XXXX XXXX and Experian on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with 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