BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IN
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:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2017-08-31
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a FHA loan, Midfirst Bank is servicing the loan ... I asked for a downward modification because I lost some income, ( second job ) ..Midfirst Bank refused XXXX I made partial payments ... I explained to Midfirst Bank my payments needs adjusting according to my income. the next things I know was Midfirst Bank filed a foreclosure action against me. My mortgage agreement has FHA/ HUD guidelines pursuant to 12 USC subsection 1717f and 42 U.S.C 3535 ( d ) Title 24CFR Part 203 Subpart C- Servicing Responsibilities, including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 a ) Duty to mitigate. Before four full monthly installments due on the mortgage have become unpaid, the mortgagee shall evaluate on a monthly basis all of the loss mitigation techniques provided at 203.501 to determine which is appropriate. Midfirst Bank, never attempted to contact, XXXX XXXX to attempt to arrange a face-to-face meeting with her to discuss her options, and certainly not within 30 days prior to filing this foreclosure action, as required by HUD guidelines.

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 2017-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America is charging customers foreign transaction fees when they are not converting currency. 

I purchased items from a company XXXX and used XXXX service to complete the transaction. When I received my Bank of America Statement, there were foreign transaction fees attached to the charges. The first set of transactions took place on XXXX/XXXX/XXXX for {$85.00} ( foreign transaction fee of {$2.00} assessed ) ; XXXX/XXXX/XXXX for {$53.00} ( foreign transaction fee of {$1.00} assessed ) ; and then XXXX/XXXX/XXXX for {$38.00} ( foreign transaction fee assesed {$1.00} ). 

After this first incident, I was told by Bank of America that currency must have been converted ( even though they were unable to see any conversion happen ) and they said that is why I was charged the fees. I reached out to the original vendor ( XXXX  ) and they were confused because they were payed the exact amount in USD.  XXXX assured me this was an error and apologized and gave me a store credit for the amount I was charged by Bank of America. 

I placed another order with XXXX on XXXX/XXXX/XXXX for {$34.00} and was assessed a foreign transaction fee of {$1.00}. This time I contacted XXXX and XXXX again. 

I am told by both XXXX and XXXX that there is no conversion of funds occuring and money is not being sent outside of the US so there should be no foreign transaction fees assessed. I am also told by XXXX that the customer " XXXX '' has a XXXX address and this could be why Bank of America is charging these fees. I have also been told by XXXX that they do have issues with a few American Banks that charge their customers foreign transaction fees even though the money is being transferred in the US because of their XXXX address. I have not discussed this directly with Bank of America since the first incident. 

So, it also seems that XXXX should have this information prominently displayed on their website at checkout that they are NOT located in the US and charges could result in foreign transaction fees ( even though the address on their website is XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX ) or XXXX should be notifying the buyer of this potential fee since they are basically the middle-man/money manager here and know the address information for the vendor. 

But in closing, Bank of America should NOT be charging these fees just because the address of the owner of the XXXX account is in XXXX. I know this is not a lot of money I am out here but it 's the principal of the practise. I am certain there are many people out there that do not read their cc statement and probably do n't even realize this is an issue.

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 2022-01-19
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to PDQ Services INC on XX/XX/2021 asking to validate the {$1500.00} owed. The company vailed to validate the debt, instead the sent a list of my medical records which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions 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:
my complaint is with XXXX XXXX XXXX  company I made a loan one time and encountered an abuse.It was XX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to XXXX up the score.Then on XXXX XXXX XXXX I wrote them a letter how we can solve the situation and never received an answer.

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 2017-04-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I am applying for  XXXX   XXXX  service ... they need a credit check but was not able to com  plete one because of a credit security freeze.
I tracked the freeze down to Equifax, the reported a security freeze was on my account. I stated I never requested a freeze on my equifax report. They will not lift unless I pay the fee. I again stated I should not have to pay for something I never requested. The Equifax rep said they do n't keep records of the payment needed at the time the security freeze was requested, which could lead to who done it! I have checked all my records paper and electronic and have never received a notice that Equifax put a security freeze on my report.
The fee is small but I should not have to pay this, it is a mistake! These credit agencies all take hours of waiting on hold and transfers to finally get talking to a real person. They would not allow me to submit a claim or anything that would resolve this correctly without me paying their " Fee ''.
I hope govern  ment regulation will reform these agencies and their operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im writing to Dispute a Billing Error in the full statement balance of {$4400.00} which includes payments posted XX/XX/2022 Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My private loans are serviced through AES. I lost my job in  XXXX  and have been struggling to make my payments. I was finally able to file for a loan modification. After spending {$45.00} to overnight the information ( which wa s 50+ pages ), I was to ld that not everything was turned in correctly and that they needed more information. I called  FOUR different times, talking to FOUR different representatives that all told me something different on what other information I needed to send in. I was assured that the information I sent in the last time was correct. While still waiting to find out a decision I called tonight and was told once again that I did n't have the correct information, which now it is past the 10 day period to turn in additional information and I 'm being told I would have to start all over. While in this state of trying to get my payments lowered, they have since increased my payments again. I have no idea how I am expected to pay almost {$600.00} a month when I am not working and only have my husbands income. It is so frustrating to do everything you are told to do and still they find another excuse on something that was not turned in. For example, my grandfather is my cosigner and I had to send in all the student loans he is on. The only loans are through AES and I have printed statements for both my sister and myself and I 'm now being told since they do n't have his name on them it 's not good enough. When the loans are serviced BY AES and tha t 's who I 'm trying to get the modification though!! I 'm guessing the only thing I can do at this point is stop paying them a nd hope that when I default they will accept a reasonable amount of money each month instead of almost 2 weeks of pay. And I really hope for all the other poor people trying to get help that they train their employees to be all on the same page and not  give someone a different answer every single time they call in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: EQUIFAX, 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 status incorrect

Complaint:
i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

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

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 2019-08-04
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I completed the terms for the sign up bonus on my American Express Delta Skymiles gold card on XX/XX/2019. I still haven't receive my sign-up bonus yet. Every time I contact customer service, they tell me that it's under investigation and tell me to wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID , Proof of address  and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Augusta Collection Agency, 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 was involved in an XXXX XXXX with my XXXX in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX XXXX now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department XXXX the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Their investigation did not fix an error on your report

Complaint:
I was involved in an auto accident with my son in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department ( the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
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 status incorrect

Complaint:
i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. 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 2020-08-20
Company: Experian Information Solutions Inc.
State: PA
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:
My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.

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 2022-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX.Acct # XXXX, has violated my rights.

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

Company response to consumer: Closed with explanation