BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied a credit card with American Express on XX/XX/XXXX ref #  XXXX I was denied due to an acct opened in XX/XX/XXXX and cancelled in XX/XX/XXXX for bankruptcy. That was 17 years ago. American Express says it will issue me a new card if I repay the XXXX XXXX dollars relieved through XXXX XXXX bankruptcy court. I believe this is both illegal and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Riverwalk Financial CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
the name of the company id like to complain about is riverwalk financial.I received several misleading phone calls regarding my federal student loans. XXXX is currently the holder of my student loans and they are currrent and in forbearance. I spoke with one creditor who was very crafty with his words and he sent me some documents that i really didn't understand and i sent them back. He told me it was a program for school loan consolidation and i told him i am current and in forbearance. This company is now calling me all hours of the day and demanding payment when i told the person on the other end of the line that i was in forbearance and unable to make payments at this time. Considering my loans are already in forbearance I thought nothing of it and continued on with my life as usual. Since XXXX XXXX i have been receiving harrasing phone calls demanding payment. when i explained that i am in forbearance and do not have to make payments to a XXXX party the gentleman said that he didn't care, if i do not make payments that it will get sent to collections and go against my credit report. i told him what he was doing was not fair and he basically told me there was nothing i could do about it even if my loans were in forbearance i still owe riverwalk financial institution their payment. i received a message on my banking app that my credit score drop from a XXXX to a XXXX overnight. i feel like this is a scam and are trying to make me pay them instead of my loans and i'm not sure where the money is actually going because my federal student loans are current and in forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-14
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: Account status incorrect

Complaint:
m disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from 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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are incorrect and should of been removed from my credit file long ago. The accounts are fraudulent due to the theft of my identity and one presumably became me. These accounts has already been identified as fraud but still reporting on my credit report. Please remove the following accounts. [ 1 ] XXXX XXXX XXXX   {$4400.00}, [ 2 ] 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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Instituted credit freeze at Transunion 2 years ago. Bought a new car from a manufacturer that used Transunion and was unable to unlock report. Transunion unhelpful in getting report unlocked. Almost like I was being punished for locking 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 2020-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with XXXX XXXX on XX/XX/2020. It was immediately sold to Select Portfolio Servicing, Inc. ( SPS ). For the first 4 statements from XX/XX/2020 thru XX/XX/2020 it states no prepayment penalty. All of a sudden on my XXXX statement it says YES. I called on XX/XX/2020 their customer service dept, spoke with supervisor XXXX who said he would have the payoff/cashiering dept/research dept. call me the next day. No all on XX/XX/2020. I called back this morning and he said I should have a call today, but no guarantees. I feel XXXX is just putting me off, and there is no fix insight. I will attach my closing docs and my statements for your review

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 around noon, I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went black midstream. It would not return my ATM card or checks. I immediately reported the incident inside the branch. My ATM card was retrieved but my checks totaling {$890.00} were not returned or credited to my account. 
The ATM was not investigated or taken offline. Instead XXXX XXXX, branch manager, said the ATM was " recycling '' and my checks might be processed. If not, she said the branch could not help me in getting my 2 checks back or in having them credited to my account. She told me to call WFC to report the incident. I asked that a banker do this as its ATM had eaten my checks. She reluctantly told a banker named XXXX to call the telephone # on the back of my ATM card. He did in between helping other customers. Dissatisfied, at XXXX XXXX I told him I was recording the incident on my phone. About 20+ minutes later XXXX XXXX an Online Banking CSR said her department could not help as ATM claims should have been called. I complained to XXXX XXXX. She said the bank wouldn't help me to get my 2 checks back or to have them credited to my account. She threatened to have me arrested for recording the incident. I agreed to her calling the " authorities ''. She refused and insisted that I leave the branch.

I have emailed Wells Fargo to relay the above and to request that the 2 checks I deposited promptly be credited to my account. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

WFC records consumer calls. Can't a consumer openly record conversations with WFC bank branch personnel?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, 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 2020-11-12
Company: Exeter Finance Corp.
State: VA
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:
On XX/XX/2020 I received a payoff quote from Exeter for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. 

On XX/XX/XXXX I contacted Exeter because the payment from Ally looked like it had still not been processed by Exeter & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. 

Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from Exeter and on XX/XX/XXXX I called Exeter again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. 

The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by Exeter. I called Exeter on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from Ally by XX/XX/XXXX and they received payment from Ally on XX/XX/XXXX. Exeter opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. 

This is absolutely egregious. Exeter is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. 

Exeter 's phone number is XXXX. I have attached our XXXX cell phone records that reflect the calls I made to exeter on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at Exeter properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
State: CA
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:
When i first signed up for the XXXX  Credit Card the Customer service rep. messed up and input the wrong social.Which i had problems to make a payments. I called the company and they fixed the social security issue but not the late payments issue which still appear in my report and is negativly impacting my score. After this i had submit a dispute to the creditor thru XXXX XXXX but didnt recive a feed back.

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 2018-06-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Law off of Mitchell D Bluhm XXXX XXXX XXXX XXXX, XXXX TX XXXX called and stated I owed a medical debt and tried to obtain my personal information. They stated it was for a stay at XXXX XXXX Hospital, though I never had a stay at XXXX XXXX Hospital. I asked that they Validate the Debt and send something in the mail regarding the debt. They did not do that. I sent a certified letter requesting the debt validation, which I have not received at this time. However, They posted a negative debt collection on my credit report. Several attempt to call the company and I have gotten only a voice mail and not return calls. They claimed the debt is from 4 years ago. I have never once gotten a call about this debt until I got the call from this XXXX Law office. When I looked them up on the maps they are in a a warehouse. Upon calling the police department there they said there are no law office there. Just transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my account is restricted Because of potential risk exposure, we've permanently limited your account. You'll no longer be able to use the account for any transactions. but I have not done any thing and my money is stuck in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez financial has applied an escrow account that I have not applied for or authorized. I have tried to call the company multiple times to have it removed. Each time they advised they will remove the additional charges and they have not. My mortgage is still {$150.00} more per month than what we originally agreed to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: BAM Management US Holdings Inc.
State: CA
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 have been trying to reach BinanceUS ( cryptocurrency exchange ) for over 4 months because I have XXXX on my account there but it wont let me withdraw or take any action because my account is pending verification. I have attempted to reach out to their support email only to be told it is pending and may take longer than expected because there is high volume. Well, I created my account with them in XX/XX/2021 and have been told the same response back then. I just want my XXXX withdrawn and not to deal with this company any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Invalid Debt was reported to 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 2021-04-07
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 information incorrect

Complaint:
My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that XXXX XXXX credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.

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 2021-04-07
Company: EQUIFAX, 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 information incorrect

Complaint:
My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that XXXX XXXX credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls stating I owe a debt. When ask to whom and for how much they ask me for my social security number. According to CA law I requested a written original copy of debt and have never received ... ..they have been calling for over a month, several times a day and refuse to identify themselves or any other information unless I give them my social security number. Their identification on my phone shows up as " Credence ''. This has got to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.

Company response to consumer: Closed with explanation