BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I reported to American Express Bluebird card services that XXXX had kept charging me erroneously for an Audible book club membership which I did not want, nor had requested but XXXX kept charging ANY card I had registered in my Prime account. After reporting this to XXXX, instead of assisting me, they cancelled my XXXX card, closed my account, and have since barred me from ever having another prepaid card with them! I do not think this is fair to me since I did not even realize XXXX was charging me for Audible until I reviewed my account with a financial planner and they asked me about the charges. I told XXXX the charges were never authorized and that I never requested an Audible account. I have called American Express twice on this matter, the last time today, when the account representative transferred me to an account recovery representative and she refused to let me speak to her supervisor, she just kept repeating over and over that a supervisor would not help me and the block will not be removed. She finally agreed to transfer me after I kept asking and asking but then all she transferred me to was hold music and no supervisor ever came to the phone. I was holding for over XXXX minutes when I finally hung up! I am shocked because American Express has never treated me with this kind of disrespect and would not even hear my side of the story. I am appalled!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: WI
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 went to XXXX and I was able to successfully view a copy of my report with both XXXX and XXXX. I was able to do this online, as well as save a copy to PDF for printing. However, when I tried to look at my Equifax report on the same website, the web page said, " We are not able to deliver your free Equifax Annual Credit Report online ''. 
I was told I could request by mail my Equifax report by filling out a form and mailing in proof of social security number and address. 

MY QUESTION IS : Why is Equifax forcing me to spend hours of my time to gather data and weeks of wait to view a report that the other bureaus allowed me to view instantly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage had threatened foreclosure. XXXX XXXX XXXX  was hired and XXXX XXXX Bankruptcy was filed. I was advised by my lawyer at XXXX XXXX XXXX to avoid foreclosure and work with loss mitigation sign a Deed in Lieu of Foreclosure. 
Carrington Mortgage loss mitigation was contacted, Deed in Lieu documents were provided, completed and sent via XXXX  back to Carrington in the beginning of XX/XX/2020. 
Recently when we were trying to buy a home, we discovered the lawyers for Carrington 'sold our home as a foreclosure ' even though the Deed in Lieu was signed. 
Not only does our credit show a foreclosure, but with the foreclosure, the second mortgage was not paid off. The Deed in Lieu would have cleared the 2nd mortgage as the mortgage insurance would have cleared any and all liens on the property. 
I have made multiple attempts with Carrington to alleviate this situation to no avail. 
We are unable to purchase a home and are having an extremely difficult time even trying to find a place to rent. Our lease expires in one month and we will be XXXX  at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late TransUnion LLC Consumer Dispute Center- This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX  XX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late XXXX XXXX XXXX they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX  XXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3XXXX  XXXX I was never late 4. XXXX I was never late

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 2022-01-16
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: Investigation took more than 30 days

Complaint:
I am in dispute with Experian, XXXX and XXXX over a collections account. I sent a letter in on XXXX/XXXX/2021 and it has now been over 30 days so this item should be removed immediately. Please refer to the attach letter that was mailed to Experian and 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 2017-09-11
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
CitiMortgage did a loan modification of our 1st and 2nd mortgages in XX/XX/XXXX. We are selling our home and when the title company called for a payoff the second mortgage did not exist. Yet, two days later Citimortgage sent a letter to the title company stating we are to voluntarily give them over {$34000.00} of our closing costs to them for the amount of the second mortgage. When we called XXXX they stated they had not received the Dodd- Frank documentation. We have proof they received and scanned in the Dodd-Frank document filled completely document on XX/XX/XXXX via XXXX. 

When we spoke with XXXX in the Recovery department she stated they had the home equity loan and another department had our original first loan and she needed to reach out to them and get back to us in regards to the loan modification. 

We were supposed to close on our house XX/XX/XXXX but moved it to the end of the month to attempt to get this 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 2017-09-11
Company: EQUIFAX, INC.
State: MA
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:
Equifax did not follow appropriate security protocol to protect my information. They have repeatedly failed to protect my information as a consumer. As a result of their poor security protocols my financial information is compromised which can lead to indentity theft, inability to secure loans in the future, loss of money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get numerous calls a day in regards to a debt that I do not owe or even know about. I keep telling them to stop calling its not my debt. I asked them to furnish proof that this is me and they insist I give them my social security number. I refuse and they hang up and try again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}. 
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-08-22
Company: Experian Information Solutions Inc.
State: WV
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 have contacted XXXX and XXXX as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.

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 2020-12-17
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: Information belongs to someone else

Complaint:
This account has been previously disputed for " Fraud '' in XXXX XXXX and was REMOVED after providing : FTC Report, Notarized Letter from me and Police Report by EXPERIAN and the other bureau 's because it was a " Fraudulent Account '' open in my name. This account has since been sold by " XXXX XXXX 's '' to " XXXX XXXX, XXXX '' after it was closed due to being opened fraudulently. On, XXXX XXXX, XXXX this account has been re-reported by " Experian '' and " XXXX XXXX '' on my credit reports, with the same account number. 
_____________________________________________________________________ ACCOUNT RESULTS ON XXXX _____________________________________________________________________ Experian Results for Fraud Dispute : Deleted Date Generated : XX/XX/XXXX Report Number : XXXX Account Number W/ " XXXX  XXXX  '' : XXXX XXXX ACCOUNT # LISTED ON EXPERIAN : 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 2018-11-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
I made a complaint below to chase bank credit card services to dispute charges from XXXX and to my dismay I got a call from a chase outsourced facility and a XXXX lady had a heavy accent and not sure if she understand my complaint at all. Chase card is boasting Sapphire customers dont have to worry about unnecessary charges during travel and this is indeed a service charge due to system malfunctioning. 
I made a reservation through XXXX web site from XXXX XXXX to XXXX XXXX XXXX. Once I received confirmation email as per attached doc everything looks correct including my last name in the email body. 
But I was asked to pay extra {$50.00} e since XXXX web site is malfunctioning. To prove my point I reserved seat XXXX from their web site away from toilet and I got a seat close to toilet due to system malfunctioning. I was trying to sit far away from toilet and due to this system malfunction I was sitting close to toilet and had headaches throughout flight since I am allergic to smell and also couldnt sleep well at all during XXXX hour flight and got caught up with flu and had to see doctors. Their flight crew is extremely unfriendly and didnt provide me a seat away from toilet despite fact their system cancelled my original seat reservation due to malfunctioning. XXXX  were not responding to XXXX complaints at all and their XXXX ratings were F

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
MY NAME IS XXXX XXXX AND I HAVE BEEN A XXXX CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY FICO SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX  AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO XXXX AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT XXXX XXXX  IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.

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 2022-01-16
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Toward the end of XX/XX/2022 I noticed my perfect XXXX credit score of XXXX went down by almost XXXX points to XXXX i have worked hard to build my credit and never missed any type of payments in my whole life!. When i conducted my research i found a collection account that i never heard of from ( Southwest Recovery Services ) for {$660.00} MedicaXXXX bill dated back to XXXX. it did not make sense to me as i have always paid my medical bills from my HSA account when i actually get sent a bill but this appearing all of the sudden and after more than 4 years as a collection account that ruined my credit i am pretty upset and it's not fair to me. after doing my research i found that in the state of Texas under Title 6 of the CIVIL PRACTICE AND REMEDIES CODE chapter 146 sections 002 ( TIMELY BILLING REQUIRED ) and 003 ( CERTAIN CLAIMS BARRED ) make this uncollectable in addition state of Texas statue of limitation on medical debt is 4 years which surpass the date of the bill as well as if i am right third party collection agencies are barred from putting a negative entry from a medical debt! but what is making me upset is the fact that every year i have {$2700.00} in my HSA account which i could have used to pay this {$660.00} if i knew about it in a timely manner before the expiration of my HSA funds which is in the month of XXXX of the following year. I need help and i need this collection agency to answer be be punished for damaging my perfect credit and this to be removed immediately from all of my 3 credit reports ( as of now i see it only on my experian ) which i contacted but they did not do anything even when i disputed the debit. i am at the mercy of CFPB to help me and put an end for these companies and their lawyers from using the law unlawfully of taken advantage of people who are unaware of the law which in this case Southwest Recovery should have known the law and not only not put a negative entry on my credit report but this should have been purged by just knowing Texas and Federal law

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 Account XXXX XXXX XXXX # XXXX, XXXX XXXX  and XXXX XXXX  XXXX XX/XX/, 2021 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 2017-09-11
Company: EQUIFAX, INC.
State: NJ
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:
There was a data breach at Equifax INC in which all of my personal financial information may have been stolen. This will cause ongoing issues with my financial stability. They showed blatant disregard for my vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: LA
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:
Equifax compromised my information, and the information of millions of Americans and then failed to disclose their security breach, but did n't failt to disclose it to their share holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TX
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:
Accordance with the fair credit reporting act XXXX  account # XXXX, 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 AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX , Account # XXXX has violated my rights. 

15 US 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 an 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 explanation